As we know, HDFC doesn’t allow you to pay more than your last statement's outstanding balance via BBPS. While you can pay using NetBanking, it typically doesn't offer cashback.
For those who want to pay in advance and keep their outstanding balance minimal while earning cashback on their Debit Card, here’s a trick:
3️⃣ Enter your desired payment amount (within the allowed limit) in multiple tabs. Eg: If bill amount is 100 you can Tab1=100 Tab2=90 Tab3=100
4️⃣ Click the "Pay" button on each tab to initiate the transactions.
5️⃣ Enter OTPs simultaneously for all the tabs.
For those who want to pay in advance and keep their outstanding balance minimal while earning cashback on their Debit Card, here’s a trick:
Steps to Pay in Advance via SBI Unipay Portal:
1️⃣ Open SBI Unipay portal on a different browsers or devices.- Important: Using the same browser with different tab may not work. Use a separate browser or another device.
3️⃣ Enter your desired payment amount (within the allowed limit) in multiple tabs. Eg: If bill amount is 100 you can Tab1=100 Tab2=90 Tab3=100
4️⃣ Click the "Pay" button on each tab to initiate the transactions.
5️⃣ Enter OTPs simultaneously for all the tabs.
- A small time difference (3,4 second) won’t cause an issue.
Advantages:
- You can reduce your credit card outstanding balance to keep finances in check.
- Earn cashback on your Debit Card payments.
Note:
- This workaround is particularly useful for HDFC CC users who want to bypass the BBPS limitation.
