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Is it possible to pay credit card bill with credit card? If yes, how?

steiner03

TF Select
Is there any workaround or trick using which we can pay credit card bills with credit card (Same or different)?
If it's possible, how?
Preferably with zero additional charges so as to utilise credit card benefits by using them to pay other credit card bills.
 
Last edited:
Use SBI CASHBACK card to load the money into the Paytm wallet. Service charge will be 2.35% but you will get the 5% cashback upto 5000 Rs. You can use the wallet money to pay the credit card bills.

Please check the merchant name in the otp message before completing the payment. Only complete the payment if the merchant name in the otp is 'Paytm' or 'PAY*Paytm'.

I didn't get the cashback for the below merchant names
1. PAYTM
2. PAYTM WALL

I didn't tested for the below merchant names
1. One97 Comm
2. Paytm Paytm
 

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Use SBI CASHBACK card to load the money into the Paytm wallet. Service charge will be 2.35% but you will get the 5% cashback upto 5000 Rs. You can use the wallet money to pay the credit card bills.

Please check the merchant name in the otp message before completing the payment. Only complete the payment if the merchant name in the otp is 'Paytm' or 'PAY*Paytm'.

I didn't get the cashback for the below merchant names
1. PAYTM
2. PAYTM WALL

I didn't tested for the below merchant names
1. One97 Comm
2. Paytm Paytm
OmniCard wallet offer 2.17% charge and free transfer to bank, you will get 5% Cashback on SBI Cashback credit card. Details here -

 
Anyway I paid this in advance to get my utilization on that card down. My statement will be generated on 15th
Does this mean, if we pay the outstanding balance 2-3 days before bill generation, the utilisation is not counted?
If this is followed on all cards I own, all statements will be zero billed and my utilisation will be 0%?
 
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I noticed one thing today on payzapp.
I was just checking credit card repayment (for sbi card) In payment methods it is showing credit cards also. But I didn't proceed with the payment yet, my sbi card's bill is yet to be generated. Amount shown in payzapp is because of Bharat bill pay integration of SBI card (fetching last statement's outstanding automatically) plus I was unable to edit the amount.
Has anyone done repayment using credit card for paying sbi card in payzapp?
 

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  • Screenshot_20231015-080711_PayZapp.jpg
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I noticed one thing today on payzapp.
I was just checking credit card repayment (for sbi card) In payment methods it is showing credit cards also. But I didn't proceed with the payment yet, my sbi card's bill is yet to be generated. Amount shown in payzapp is because of Bharat bill pay integration of SBI card (fetching last statement's outstanding automatically) plus I was unable to edit the amount.
Has anyone done repayment using credit card for paying sbi card in payzapp?
Tried but everytime transaction is getting failed. It used to work 2-3 months ago but not now.
 
Does this mean, if we pay the outstanding balance 2-3 days before bill generation, the utilisation is not counted?
If this is followed on all cards I own, all statements will be zero billed and my utilisation will be 0%?
Very simple.
All credit providers send the datas to credit bureaus on specific dates like most sends on the 1st of the beginning month and few sends on the statement generation date and some sends on last date of the month.
So as per the card issuers if you will pay your dues before sending of data to bureaus then obviously your credit utilisation will be reported as zero...
 
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