Discussion | Rewards on paying Credit Card Bills

[avi_devdhar]

Starting this thread to share and learn ways to repay credit card bill and get little rewards in the process.

Most of the apps give very minimal rewards.
One good way to get rewards is to use debit card to pay CC bill.
HDFC platinum and millenia give 1% cashback,
SBI debit cards give 0.25% cashback
please add if any other debit card gives cashback.

then on mobikwik and paytm, can pay via debit card without any charges. (Note mastercard debit cards won't work though)

1) if bill is beyond 12500, pay 12500 via mobikwik using debit card option. you ll get 50rs cashback on mobikwik and debit card reward points.

2) pay via mobkwik, debit card option and get 2% supercash as rewards, supercash is not that useful though.

3) Paytm using debit card, pay in 1k, 10k, 15k, 20k etc, you get paytm points and debit card points. paytm points are also worth very less

4) Cred, pay 1k every 3 days, play the jackpot, if you have too much time to kill.

5) If one wants zero headache, pay in full in one shot via NEFT, or set up auto pay etc.

 

[Arosaurabh]

Debit cards can be used to pay CC on cred above Rs.50000. And Mastercard debit cards work on Cred. No charges also.

Thanks this was helpful, didn't knew you can pay through Cred with debit card as well but strangely it does not accepts partial amounts, you can only make full payments.While trying to make payment on Paytm with a Master card Debit card it was not accepting it.

 

[Infiniti]

Do we need to open BNPL or something for this?

Yes by the looks of it. Also asks for 10 "references". Deleted app.

 

[bugmenot]

Can you confirm which method has worked for you and how exactly you did?

Not tried, don't have that much bills. HDFC DC is enough for me.

 

[Arosaurabh]

Starting this thread to share and learn ways to repay credit card bill and get little rewards in the process.

Most of the apps give very minimal rewards.
One good way to get rewards is to use debit card to pay CC bill.
HDFC platinum and millenia give 1% cashback,
SBI debit cards give 0.25% cashback
please add if any other debit card gives cashback.

then on mobikwik and paytm, can pay via debit card without any charges. (Note mastercard debit cards won't work though)

1) if bill is beyond 12500, pay 12500 via mobikwik using debit card option. you ll get 50rs cashback on mobikwik and debit card reward points.

2) pay via mobkwik, debit card option and get 2% supercash as rewards, supercash is not that useful though.

3) Paytm using debit card, pay in 1k, 10k, 15k, 20k etc, you get paytm points and debit card points. paytm points are also worth very less

4) Cred, pay 1k every 3 days, play the jackpot, if you have too much time to kill.

5) If one wants zero headache, pay in full in one shot via NEFT, or set up auto pay etc.

Very helpful perhaps this completely covers all possible options on debit card (and 4th one is the best)

 

[Infiniti]

Thanks this was helpful, didn't knew you can pay through Cred with debit card as well but strangely it does not accepts partial amounts, you can only make full payments.While trying to make payment on Paytm with a Master card Debit card it was not accepting it.

I can see the option to pay via DC for 50k, partial bill amount.

 

[Arosaurabh]

I can see the option to pay via DC for 50k, partial bill amount.

I tried first with Rs 1000 and then with Rs 5000, and then with total payment which was more than Rs 50000 (it accepted the last option for me). Didn't try with Rs 50000. Will try next time thank for the update.

 

[Crusader4Credit]

As far as the platforms go, I've noticed that Cred has the lowest rewards but the fastest credits. Paytm has measly rewards and a cap of Rs. 20,000. MobiKwik is comparable to Paytm but didn't face any capping.

In terms of Payment options, HDFC Easyshop platinum is great for Rs.75000, and IndusInd Exclusive for Rs. 112000. Axis Burgundy Debit cards give 1% edge reward points without a cap. If you hold a Magnus/Reserve CC then these can be converted to ITC Green Points at 5:4. PostPe would be next in this order with 0.4% instant cashback.

 

[Oscar]

Do we need to open BNPL or something for this?

Just download PostPe app and signup, you will find credit card bill payments option. You can avoid BNPL.

 

[WhoU]

Just download PostPe app and signup, you will find credit card bill payments option. You can avoid BNPL.

But we won’t get cashback via this right?

 

[Oscar]

But we won’t get cashback via this right?

The cashback I've earned by paying credit card bills 👇 through PostPe. I spent the cashback at merchant stores which supports BharatPe QR or will transfer to my bank account(charges applicable)

 

[avi_devdhar]

Installed paytm in my father's phone.
there is an offer going on,
100% cashback points on payment on CC bill pay upto 2L, once a month.

i paid 15k and got 15k cashback points, worth 130-140rs,
paytm cashback points are worth ~0.9%.
so using debit card on top of it, giving good rewards,

though i don't see this offer on my paytm.

 

[Sunil R]

You can earn RP with IndusInd DC and RBL Signature DC also for CC bill payments. There are seperate threads on these two. Also Jupiter UPI and DC can be used to earn 1% cb upto 100 & 150 pm respectively.

Have u paid via cheq app with RBL card and got 1+1 % ? Plz reply @TheMentalist

 

[TheMentalist]

Have u paid via cheq app with RBL card and got 1+1 % ? Plz reply @TheMentalist

Must Have Cashback/Rewards Debit Cards For CC Bill Payers

1) RBL Signature+ Debit Card Works In Every Website Max 1000 Per Month As Coupon Even Wallet Reload Is Eligible 2) Indusind Any Signature Debit Card Or Platinum Card Works Only In Paytm, Mobikwik, Aeronpay Signature - Max 1050 Per Month As Cash Platinum - Max 700 Per Month As Cash...

www.technofino.in

 

[kpravinramesh]

Use post pe for ur bill payments .
It gives 0.4 % cashback upto rs 1000 .
Use UPI net banking or debit card .
But only 5 transactions per month are eligible and per month 1000 rs cashback .

 

[Arosaurabh]

i have a sbi classic rupay debit card. it gives like 100 points for a transaction of 10k, its value is 25 rupee, so its 0.25%. 100 points is max cap per transaction and 1000 points per month, so can be used to pay credit card bills upto 1L pm.

I tried making payment through SBI Visa paywave debit card on Paytm, I didn't get any points and on calling the SBI call centre was told/shared terms and condition that mentioned no points are credited for debit card being used for credit card payments. Are you still getting points? or this feature specific to Rupay debit cards.

 

[Abhishek012]

I tried making payment through SBI Visa paywave debit card on Paytm, I didn't get any points and on calling the SBI call centre was told/shared terms and condition that mentioned no points are credited for debit card being used for credit card payments. Are you still getting points? or this feature specific to Rupay debit cards.

SBI Indianoil RuPay Platinum debit card spend on paytm cc bill repayment, already got points + every month amazon add money 100 discount offer.

No idea about SBI Visa card.

by the way better to use cheQ app and get flat 1% Unlimited Cashback.

 

[Akash Topder]

SBI Indianoil RuPay Platinum debit card spend on paytm cc bill repayment, already got points + every month amazon add money 100 discount offer.

No idea about SBI Visa card.

by the way better to use cheQ app and get flat 1% Unlimited Cashback.

Can you share the link from where I can download this app

 

[Abhishek012]

Can you share the link from where I can download this app

CheQ app currently available for beta users on Play store.

you can also pay through debit cards.

Already many technofino community members using it.

Flat Unlimited 1% cashback, redeem on amazon gv + your debit card rewards.

you can use cheQ app apk file - https://drive.google.com/drive/u/0/folders/1QE7ynOZBgGmknd3vbvxGp9tlpe9qtWoY

 

[Akash Topder]

CheQ app currently available for beta users on Play store.

you can also pay through debit cards.

Already many technofino community members using it.

Flat Unlimited 1% cashback, redeem on amazon gv + your debit card rewards.

you can use cheQ app apk file - https://drive.google.com/drive/u/0/folders/1QE7ynOZBgGmknd3vbvxGp9tlpe9qtWoY

Thank you!

 

[Arosaurabh]

CheQ app currently available for beta users on Play store.

you can also pay through debit cards.

Already many technofino community members using it.

Flat Unlimited 1% cashback, redeem on amazon gv + your debit card rewards.

you can use cheQ app apk file - https://drive.google.com/drive/u/0/folders/1QE7ynOZBgGmknd3vbvxGp9tlpe9qtWoY

I don't think they are taking any more request, had filled the form more than a week ago, but didn't got any response from them. And yes i think i its only SBI Rupay platinum Debit cards which are getting points.