Credit card billpayment options using Rupay CC linked with UPI or wallets

[rockking1994]

Hi i am trying to find a thread where in all the methods of paying CC bill vai Rupay linked UPI or other methods are mentioned
didn't find any if its already there please refer me to that will be very help full
I currently know only for 3 Banks
Bank of baroda , Kotak and Axis credit cards
For BoB and Kotak i currently use PayZapp wallet loads works with any card not just rupay or upi if there are more ways which are complete free would like to know from you guys
For Axis i can stright up use the Axis app and use my bob rupay linked upi for payment
I would like to know if any one has ways for HDFC, SBI, Amex, ICICI i tried a few apps but the transaction fails atleast for my bob rupay linked upi id

edit
I do not recommend people to do CC to CC payments it can put you in financial crisis
just want know in case if there is ever a short term money problem
or may be just short of some milestone

 

[Tejo]

Hi i am trying to find a thread where in all the methods of paying CC bill vai Rupay linked UPI or other methods are mentioned
didn't find any if its already there please refer me to that will be very help full
I currently know only for 3 Banks
Bank of baroda , Kotak and Axis credit cards
For BoB and Kotak i currently use PayZapp wallet loads works with any card not just rupay or upi if there are more ways which are complete free would like to know from you guys
For Axis i can stright up use the Axis app and use my bob rupay linked upi for payment
I would like to know if any one has ways for HDFC, SBI, Amex, ICICI i tried a few apps but the transaction fails atleast for my bob rupay linked upi id

edit
I do not recommend people to do CC to CC payments it can put you in financial crisis
just want know in case if there is ever a short term money problem
or may be just short of some milestone

You should not use rupay credit card upi feature for other cc bill payments.

It could effect in coming feature ...

If you have that much money problem try using merchant upi id's, creating bharatpe, paytm merchant is not difficult *

 

[rockking1994]

You should not use rupay credit card upi feature for other cc bill payments.

It could effect in coming feature ...

If you have that much money problem try using merchant upi id's, creating bharatpe, paytm merchant is not difficult *

No i am not having money problem its just for my info
Its always nice to know all the methods
Creating merchant id wouldn’t attract mdr for transactions more than 2k? Also it will go to my bank ac first

 

[varkey]

@rockking1994 Could you please elaborate more on how you pay BoB and Kotak using PayZapp wallet?

I can confirm that Axis payment works with my HDFC Rupay CC.

 

[Deathsnatcher]

edit
I do not recommend people to do CC to CC payments it can put you in financial crisis

how it will put you in financial crisis
will you explain

 

[varkey]

@Deathsnatcher If you are using this just to rotate your dues from one card to other, then yeah it can put you in a bad state.

Month 1 Dues - 10k rolled over to next month using CC payment
Month 2 Dues - 10k + additional expenses

Slowly it adds up and then might reach a stage where you cannot repay.

Personally, I am just looking for ways to maximise my returns. I pay in full 100% of the time.

 

[Deathsnatcher]

@Deathsnatcher If you are using this just to rotate your dues from one card to other, then yeah it can put you in a bad state.

Month 1 Dues - 10k rolled over to next month using CC payment
Month 2 Dues - 10k + additional expenses

Slowly it adds up and then might reach a stage where you cannot repay.

Personally, I am just looking for ways to maximise my returns. I pay in full 100% of the time.

Ohh you mean by that way in terms of funds
gotcha then its fine i have funds all the time
i thought you meant to pay cc bill by another cc is illegal or will bring something which i should be aware of

 

[varkey]

Yep! I wouldn't say its illegal, but its can be considered as mis-use by the card issuing bank and can potentially be violating some T&C. I haven't reviewed them, but just feeling like it is a grey area 😅

 

[rockking1994]

@rockking1994 Could you please elaborate more on how you pay BoB and Kotak using PayZapp wallet?

I can confirm that Axis payment works with my HDFC Rupay CC.

Just load they payzapp wallet with any credit card preferably one that gives rewards on wallet load like milenia gives 1% on wallet loads or one that can count towards milestone like sbi vistara cards
To pay the actual bill just go to cc bill payment section select bob or kotak enter card details it will give you the bill amount you can pay that amount via wallet balance
Few notes bill amount will be updated 3-4 days after bill generation so wait a few days before looking in the amount as it might show you the previous month due

 

[rockking1994]

Ohh you mean by that way in terms of funds
gotcha then its fine i have funds all the time
i thought you meant to pay cc bill by another cc is illegal or will bring something which i should be aware of

Its not illegal its just that banks don’t like it at all

 

[varkey]

@rockking1994 Thanks, and this option of paying CC dues by Payzapp Wallet balance works only for Kotak and BoB cards?

 

[rockking1994]

@rockking1994 Thanks, and this option of paying CC dues by Payzapp Wallet balance works only for Kotak and BoB cards?

Yes enjoy till it lasts

 

[Tejo]

Yep! I wouldn't say its illegal, but its can be considered as mis-use by the card issuing bank and can potentially be violating some T&C. I haven't reviewed them, but just feeling like it is a grey area 😅

axis started blocking cards for using bhararnxt

 

[Deathsnatcher]

axis started blocking cards for using bhararnxt

Switch to aeron pay !

 

[Tejo]

Switch to aeron pay !

you r doc, you can pay.

we cant man

 

[Abhishek012]

Switch to aeron pay !

Use Snapay for Axis user.

 

[Tejo]

Use Snapay for Axis user.

So axis like snapay as convenience fee is high.

Bharatnxt, the convenience fee can be recovered.

 

[Abhishek012]

So axis like snapay as convenience fee is high.

Bharatnxt, the convenience fee can be recovered.

Jab card he nahi bachega BharatNXT me use kar k phir convenience fee bacha k achar daaloge. 😜😜

Snapay 1.18% charges still best.

 

[Deathsnatcher]

So axis like snapay as convenience fee is high.

Bharatnxt, the convenience fee can be recovered.

How can bharatnxt fee recovered?

 

[Tejo]

How can bharatnxt fee recovered?

Reward points + cb while paying credit card bill.


Snapay too but on ( T+4) transactions.