Cc bill payement query

[cardgenie]

I'm new to credit card world and most of the cards I own are cashback cards...swiggy hdfc...sbi cash back... live+ ...I'm confused with bill payment ...

Say if my statement shows Rs 1000 as due..but assume, after 2 days 200 Rs is credited as cashback..

Do I need to pay entire 1000 Rs as bill amount or 800 Rs after deducting the cash back amount needs to be paid ?

 

[ramtanu]

Rs. 800 only

 

[cardgenie]

Thanks mate..logically it makes sense but just wanted to ensure since it may impact the score

 

[Lalsingh22]

I'm new to credit card world and most of the cards I own are cashback cards...swiggy hdfc...sbi cash back... live+ ...I'm confused with bill payment ...

Say if my statement shows Rs 1000 as due..but assume, after 2 days 200 Rs is credited as cashback..

Do I need to pay entire 1000 Rs as bill amount or 800 Rs after deducting the cash back amount needs to be paid ?

I think if the statement is generated you have to pay ₹1000. And ₹200 you get will adjust in next Statement.

 

[Jai Shri Ram]

Say if my statement shows Rs 1000 as due..but assume, after 2 days 200 Rs is credited as cashback

In some cases, the cashback is credited just before the generation of next statement and after the current due date is passed.

Usually, the cashback amount is much less than the actual due. So, I'd pay in full to stay peaceful.

 

[VSC]

I'm new to credit card world and most of the cards I own are cashback cards...swiggy hdfc...sbi cash back... live+ ...I'm confused with bill payment ...

Say if my statement shows Rs 1000 as due..but assume, after 2 days 200 Rs is credited as cashback..

Do I need to pay entire 1000 Rs as bill amount or 800 Rs after deducting the cash back amount needs to be paid ?

I got my fees reversal for hdfc infinity after bill generation. But when contacted the customer care, was told to pay complete bill amount and the fees reversal would be adjusted in the next statement.

 

[hitirfan]

In case of HDFC Swiggy, I'm sure you ahve to only pay ₹800.

 

[Hihihi]

You have to pay whatever is billed, which typically shows as "Total Amount Due" in your bill. If the cashback is credited before the bill genration it will be adjusted and if not, then it will get adjusted in next statement or you can ask your bank to credit it in your account (if you're not going to have any spend in the next statement). This is the case with every credit card.