Best Way to pay Credit Card Bill

[kushal]

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments.

 

[hakunamatata]

I added money from millenia dc to paytm wallet. But in transaction it shown paytm payment service instead of paytm wallet.



m i eligible for 1% cashback on wallet load ?

Yes

 

[harshar]

Is the 1.12 lkh limit for indusind per calendar month?
I have an upcoming axis bank cc payment of around 2.8lkh, that can be paid across Jan/Feb. I can pay this via cred - indusind exclusive signature DC.
Should I pay ~1.2 in Jan end and ~1.2 in early Feb to get 6000 indus points?

 

[hakunamatata]

Is the 1.12 lkh limit for indusind per calendar month?
I have an upcoming axis bank cc payment of around 2.8lkh, that can be paid across Jan/Feb. I can pay this via cred - indusind exclusive signature DC.
Should I pay ~1.2 in Jan end and ~1.2 in early Feb to get 6000 indus points?

Do 1.12 Lakh before 26th and remaining after 1st

 

[kshitij_0]

Is the 1.12 lkh limit for indusind per calendar month?
I have an upcoming axis bank cc payment of around 2.8lkh, that can be paid across Jan/Feb. I can pay this via cred - indusind exclusive signature DC.
Should I pay ~1.2 in Jan end and ~1.2 in early Feb to get 6000 indus points?

Cred payments through DC doesn't give CB. At least that's what happens in case of HDFC DC. Mobikwik payments are eligible for CB, tried and tested but you can pay max 1 lakh per month that too if you have Full KYC Account.

 

[harshar]

I'll try both cred and mobikwik and verify, it probably works for indusind -

Best Way to pay Credit Card Bill

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments.

www.technofino.in

 

[Ankur dhanda]

i have IndusInd pioneer debit card and visa exclusive signature debit card.
After exhausting the 750 cashback limit of hdfc debit card for payment upto 75000, I use the visa exclusive signature debit for upto 1.12 L. I have used mobikwik with IndusInd debit card and received points within 3 days of making payment.

 

[kshitij_0]

i have IndusInd pioneer debit card and visa exclusive signature debit card.
After exhausting the 750 cashback limit of hdfc debit card for payment upto 75000, I use the visa exclusive signature debit for upto 1.12 L. I have used mobikwik with IndusInd debit card and received points within 3 days of making payment.

Which modes do you prefer? Because in Mobikwik you can only do upto 1 L per month?

 

[jack333]

i have IndusInd pioneer debit card and visa exclusive signature debit card.
After exhausting the 750 cashback limit of hdfc debit card for payment upto 75000, I use the visa exclusive signature debit for upto 1.12 L. I have used mobikwik with IndusInd debit card and received points within 3 days of making payment.

With pioneer account also can we have 3 debit cards pioneer visa infinite, Pioneer mastercard world and visa exclusive? @Ankur dhanda

 

[Ankur dhanda]

Which modes do you prefer? Because in Mobikwik you can only do upto 1 L per month?

I do not have full kyc yet I paid with my IndusInd debit card in multiples of 20k for payment total more than 1 lakh. I can share the screenshots if you like. I don’t know why you weren’t able to complete it

 

[Ankur dhanda]

Is the 1.12 lkh limit for indusind per calendar month?
I have an upcoming axis bank cc payment of around 2.8lkh, that can be paid across Jan/Feb. I can pay this via cred - indusind exclusive signature DC.
Should I pay ~1.2 in Jan end and ~1.2 in early Feb to get 6000 indus points?

Yes it’s calendar month. Split it btw jan and Feb, you should be good then. With mobikwik I have received the reward points on exclusive signature DC.

 

[doomlord]

Yes

I read somewhere that millennia dc also gives 1% directly via mobikwik , can you or anyone confirm?

 

[hakunamatata]

I read somewhere that millennia dc also gives 1% directly via mobikwik , can you or anyone confirm?

It gives 1% everywhere, just has a cap of Rs. 400 per month.

 

[Deleted member 5552]

Cred payments through DC doesn't give CB. At least that's what happens in case of HDFC DC. Mobikwik payments are eligible for CB, tried and tested but you can pay max 1 lakh per month that too if you have Full KYC Account.

I paid Rs 14700 without any kyc. Mobikwik doesn't give any cashback as my account is not kyc compliant

 

[kshitij_0]

I do not have full kyc yet I paid with my IndusInd debit card in multiples of 20k for payment total more than 1 lakh. I can share the screenshots if you like. I don’t know why you weren’t able to complete it

Probably you can do more than 20k without KYC not sure about more than 1 lakh. Actually I think there is a limit of 20k per card per 24 hours. At least in HDFC Platinum DC, this happens. I have tried multiple times and failed. That's what forced me to think that KYC is needed and I did KYC immediately.
Definitely there is one more limitation other than just 20k per transaction for sure.

 

[kshitij_0]

I paid Rs 14700 without any kyc. Mobikwik doesn't give any cashback as my account is not kyc compliant

You will get it. I received within 48 hours. My Account was mid way between No KYC to Full KYC. I just didn't do VKYC.
I received my 1% cashback for the trn done through half KYC account

 

[Deleted member 5552]

You will get it. I received within 48 hours. My Account was mid way between No KYC to Full KYC. I just didn't do VKYC.
I received my 1% cashback for the trn done through half KYC account

Already 2 weeks passed. My account is not mini kyc. It is running without kyc

 

[kshitij_0]

Already 2 weeks passed. My account is not mini kyc. It is running without kyc

Oh...that might be the case with mini KYC account. Thanks for letting us know this info well in advance. Actually I was going to try it today only through my other Mini KYC account. I will try with a small amount and update it here.

 

[Ankur dhanda]

Probably you can do more than 20k without KYC not sure about more than 1 lakh. Actually I think there is a limit of 20k per card per 24 hours. At least in HDFC Platinum DC, this happens. I have tried multiple times and failed. That's what forced me to think that KYC is needed and I did KYC immediately.
Definitely there is one more limitation other than just 20k per transaction for sure.

I haven’t completed the video kyc. What I found was 20k per transaction limit but not 20k per card per 24hrs. I did multiple transactions of 20k and the remaining 18-19k amount same day with the same debit card.

 

[Deleted member 5552]

I haven’t completed the video kyc. What I found was 20k per transaction limit but not 20k per card per 24hrs. I did multiple transactions of 20k and the remaining 18-19k amount same day with the same debit card.

Millennia card supports more than 20k in a single transaction. Restriction is only for Platinum card. I checked and confirmed it.

 

[kshitij_0]

Millennia card supports more than 20k in a single transaction. Restriction is only for Platinum card. I checked and confirmed it.

I don't know how they really know which card is this. Totally 3 Different behaviours with 3 different cards HDFC Platinum and Millennia and Indusind