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.

 

[alok416]

I have not paid CC bills via HDFC Bill Pay using MILLENIA DC.

But I think if Platinum is getting 1% them MILLENNIA will also get 2.5%(99.99%) rest 0.01% your luck.

Since gateway is same and Millennia DC gives 2.5% for online spends

Lets see bro...

 

[VISHESH_BANSAL]

Ohh 😐 and what about MobiKwik bro... will i get anything bro for paying credit card bills through millenia Debit card ?

2.5% upto 400 for CC Bill Payment using Mobikwik via Millennia DC.
This is verified by me

 

[alok416]

2.5% upto 400 for CC Bill Payment using Mobikwik via Millennia DC.
This is verified by me

Ohh then good 😁.. thnx bro

 

[arko]

want to open indusind account for paying cc bill. Already use hdfc for 75k.my bills are approx 1.2l -1.5 l per month.Is opening saving account beneficial.
will this account do https://www.indusind.com/in/en/personal/accounts/saving-account/indus-select.html

 

[4uziaul]

want to open indusind account for paying cc bill. Already use hdfc for 75k.my bills are approx 1.2l -1.5 l per month.Is opening saving account beneficial.
will this account do https://www.indusind.com/in/en/personal/accounts/saving-account/indus-select.html

Yes, this account will work and you get up to 3 debit cards. Plus if you hold legend credit card it becomes zero mab.

 

[creditcardkakida]

Refer to this table for monthly spends on Indus Card (These are total monthly spends, not individual), taking into account all the incremental rewards. I have simplified in Rupees.
Spend 5k - 0.35% - Rs 17
Spend 10k - 0.43% - Rs 43
Spend 20k - 0.56% - Rs 112
Spend 30k - 0.67% - Rs 201
Spend 40k - 0.72% - Rs 288
Spend 50k - 0.78% - Rs 390
Spend 60k - 0.83% - Rs 500
Spend 80k - 0.88% - Rs 704
Spend 100k - 0.92% - Rs 920
Spend 112.5k (Max) - 0.93% - Rs 1050

What if we make payment on cheq app using indusind exclusive debit card..

 

[4uziaul]

What if we make payment on cheq app using indusind exclusive debit card..

Make sure to use the Master Card variant.

 

[Copycat]

want to open indusind account for paying cc bill. Already use hdfc for 75k.my bills are approx 1.2l -1.5 l per month.Is opening saving account beneficial.
will this account do https://www.indusind.com/in/en/personal/accounts/saving-account/indus-select.html

You can also get a 2nd HDFC Platinum card by opening a 2nd Savings Max account. So an extra 75K/month can be paid

 

[arko]

You can also get a 2nd HDFC Platinum card by opening a 2nd Savings Max account. So an extra 75K/month can be paid

but the indusind debit card also has bigbasket offer. I buy grocery vegetables etc from bb.so it may be helpful there also. I will close idfc and icici bank savings account as I dont use both having 25k balance x2 =50k

 

[4uziaul]

but the indusind debit card also has bigbasket offer. I buy grocery vegetables etc from bb.so it may be helpful there also. I will close idfc and icici bank savings account as I dont use both having 25k balance

🙏 Please don't make IndusInd your primary account or else you will join our gang 😜

 

[arko]

🙏 Please don't make IndusInd your primary account or else you will join our gang 😜

no my primary account is in bandhan bank, also have accounts in sbi ,axis burgundy etc
Any problem with indusind bank?

 

[4uziaul]

no my primary account is in bandhan bank, also have accounts in sbi ,axis burgundy etc
Any problem with indusind bank?

Debit Freeze 🥶

A quick search about Debit Freeze and you will get your answer 🤣

 

[helloworld]

no my primary account is in bandhan bank, also have accounts in sbi ,axis burgundy etc
Any problem with indusind bank?

netbanking can automatically log out in between fund transfer.

Annoying logout music.

Non-responsive mobile and netbanking after 10pm.

Support mails never get response (atleast I never get response for reply, till now).

Including nodal officer, your mails maynot delivered and marked as spam.

Loan conversion, dial an EMI etc. spam mails.

most interesting part is, if they send fd mail saying "we're offering so and so.." and by mistake if you see that mail, next day you'll get two mails
1. usually fd mail saying "we're offering.."
2. you saw our fd and didn't complete.

(they send mails with tracker in it)

and worst case

 

[hks789]

netbanking can automatically log out in between fund transfer.

Annoying logout music.

Non-responsive mobile and netbanking after 10pm.

Support mails never get response (atleast I never get response for reply, till now).

Including nodal officer, your mails maynot delivered and marked as spam.

Loan conversion, dial an EMI etc. spam mails.

most interesting part is, if they send fd mail saying "we're offering so and so.." and by mistake if you see that mail, next day you'll get two mails
1. usually fd mail saying "we're offering.."
2. you saw our fd and didn't complete.

(they send mails with tracker in it)

Support mail is far better with exclusive account.
exclusive@indusind.com responds within 24 hrs.

Rest of all are true. Mobile and Netbanking sometimes becomes unresponsive even during daytime. ☹️

 

[Rahul Gupta]

netbanking can automatically log out in between fund transfer.

Annoying logout music.

Non-responsive mobile and netbanking after 10pm.

Support mails never get response (atleast I never get response for reply, till now).

Including nodal officer, your mails maynot delivered and marked as spam.

Loan conversion, dial an EMI etc. spam mails.

most interesting part is, if they send fd mail saying "we're offering so and so.." and by mistake if you see that mail, next day you'll get two mails
1. usually fd mail saying "we're offering.."
2. you saw our fd and didn't complete.

(they send mails with tracker in it)

Bro i agree with the cons but here are some pros.

High fd interest rates. Currently 7.75% for non-senior citizen.

You can take three debit cards for free with select/exclusive accounts. which will offer buy1 get1 bms offer 9 times per quarter and many other benefits including lounge access and bigbasket.

Accounts becomes zero mab if you attach right cc to it.

I have never been charged in past 6-7 months for anything, literally anything. On the other hand kotak charges me for changing net banking pin (I get it reversed and they always apologize for it).

You can unsubscribe from their emails and ask their customer service to blacklist your number from all communications from indusind except important things.

 

[logu]

Any rupay credit card that supports UPI. Just use UPI and zero charges.

May I know which platform you use?

 

[VijayflyRaven]

May I know which platform you use?

BHIM + PayZapp. Gets no reward points for axis card though.

 

[logu]

BHIM + PayZapp. Gets no reward points for axis card though.

Thank you

 

[VISHESH_BANSAL]

netbanking can automatically log out in between fund transfer.

Annoying logout music.

Non-responsive mobile and netbanking after 10pm.

Support mails never get response (atleast I never get response for reply, till now).

Including nodal officer, your mails maynot delivered and marked as spam.

Loan conversion, dial an EMI etc. spam mails.

most interesting part is, if they send fd mail saying "we're offering so and so.." and by mistake if you see that mail, next day you'll get two mails
1. usually fd mail saying "we're offering.."
2. you saw our fd and didn't complete.

(they send mails with tracker in it)

Itna bhi sach nhi bolna thha

 

[hks789]

Problem is:

I send mail to 'exclusive@indusind.com' and receive response who sometimes didn't read whole mail before pasting that template response.

Now, If I reply to that mail (sometimes it revert as undelivered and marked as suspected spam) after all struggle not even once get response to that mail.

Is Indus responds only once?

I even sent complaint mail (after follow-up proper timeline), to NO not even once they replied even 1st

One suggestion is to create a new mail and attach service request number of previous request. You can see the SR in the app > service requests.