Latest working methods to pay credit card bill from debit cards

[sm9811911]

Valid as on 17th Sep 2024. I will keep on updating here and on https://x.com/sm98119

1a) RBL signature + dc: Pay using sbi unipay. 1% cashback for cc bill payment upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L or more in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.

1b) RBL Enterprise dc: Pay using sbi unipay. 5% cb on paying cc bills upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher.

2) HDFC PLATINUM debit card: Pay using sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories).

3) HDFC Millennia debit card: Pay using sbi unipay to get 2.5% cashback or load wallet (Amazon(full kyc req) or mobikwik) and then pay cc bill using wallet balance to get 1% cashback. Total combined cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Bill desk QR code to pay cc bill from amazon wallet.

4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 2 main cards : visa signature and Mastercard World. Both can be held together and free of charge with select or exclusive accounts. Use paytm or SBI Unipay for visa. Sbi unipay or Payzapp for mastercard variant. Do note, these dc have incremental rewards, so if spend is 10k only <0.5% rewards.
For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise.
*Visa Platinum card has been devalued w.e.f November, so removed from above.

5) FI money ( infinity or salary variant): Pay using sbi unipay or using cred through FI Upi. Pay 1.5k multiple times. Get 2% cashback. Max cashback of Rs30 per tranx. Rs.100 per day, 500 per month.

6) IDFC Debit cards: Pay using sbi unipay.
Reward rate and dc fees depends on account type:
For wealth account: 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly. So, around Rs.5.36L transaction can be done.
For Select account: 0.5% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.7.5k rewards max monthly. So, around Rs.3.4L transactions can be done.
For basic account: 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.2k rewards max monthly. So, around Rs.1.6L transactions can be done.

7) Axis Liberty dc: Pay using sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus tip: spend 10k on gift edge/Amazon (incl gift voucher)/ FK during weekend and get 500Rs reward pm. Dc fees apply.

8) Other dc: Sbi physical dc 0.25% on all except account to wallet/account to account. Jupiter (1% upto Rs150 on sbi unipay; 2% using upi for select accounts). Union bank signature 1% unlimited. Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.

Alternative to SBI unipay: ‘Airtel’ (2 merchant names, both work), Canara bbps/setu website (https://billpe.setu.co/1449602066912642206) , Navi app. They only support bbps cc bill payment. These give 4900 (utility) mcc.

Ongoing issues
(1) For Non-BBPS CC billers (like Amex or SC), you cannot use SBI Unipay and most other apps. You can load Amazon wallet or payzapp wallet using debit cards which give points on Wallet load (like HDFC Millenia) and pay using the bill desk website. Alternatively, you can use cc issuer NEFT/UPI details as well.
Amex: https://www.americanexpress.com/in/...-statements-and-balance/making-a-payment.html
SC: https://www.sc.com/in/credit-cards/payment-option/

(2) HDFC Billpay service has changed it's MCC, so avoid using that. Use Unipay instead.
(3) Indus dc points are not regular, so will have to wait and still no guarantee that you will get the points or correct number of points.
(4): Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.
(5) SBI Unipay does not allow to pay SBI CC bill when you are logged in for some users. So, dont login and you will be able to pay SBI CC bill.


Estimated timelines for rewards : https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-777326

SBI dc rewards update from 1st May. Details here
https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-643329

AU bank and standard chartered bank dc: see here https://www.technofino.in/community/threads/best-debit-card-for-credit-card-bill-payment-2024.26178/

 

[garvit99]

Whats latest for hdfc platinum dc

HDFC Billpay - no cashback
Unipay - ?
Airtel - ?
Jio -?

 

[leeflo05]

I did a payment for my IndusInd Pinnacle thru HDFC Bill Pay (platinum DC) on 21st July and i got reward points in 2 to 3 days.. I did another payment of 50k again on 23rd but i haven't got any rewards points yet.. is the HDFC Bill Pay not giving rewards point anymore?

 

[harshgupta940]

HDFC Billpay - no cashback

When did this happen?
HDFCBILLPAY & BBPSBILLPAY gives cashback only RENTALBBPSNO doesn't

 

[sm9811911]

I did a payment for my IndusInd Pinnacle thru HDFC Bill Pay (platinum DC) on 21st July and i got reward points in 2 to 3 days.. I did another payment of 50k again on 23rd but i haven't got any rewards points yet.. is the HDFC Bill Pay not giving rewards point anymore?

Hdfc bill pay giving BBPSRental merchant name for cc bill payment for some users, so may not get cashback.

For time being use alternatives(unipay, jio, airtel).

 

[harshit_agrawal]

Not received points for 21st July txns using IDFC wealth debit card, anyone else facing same issue?

 

[leeflo05]

Hdfc bill pay giving BBPSRental merchant name for cc bill payment for some users, so may not get cashback.

For time being use alternatives(unipay, jio, airtel).

Strange i did the payment on July 21st using the same HDFC Bill Pay, once i saw the RP posted i went ahead with a bigger amount 🙁 .. i have raised a complaint with HDFC let me see what they say and post back here once i hear back

 

[CardGame]

Strange i did the payment on July 21st using the same HDFC Bill Pay, once i saw the RP posted i went ahead with a bigger amount 🙁 .. i have raised a complaint with HDFC let me see what they say and post back here once i hear back

In search of golden eggs, we are about to lose our only goose that lays them 😑

 

[telescope]

Those who are having federal bank dc, it is giving points for unipay. Though the reward is very less, 1 point for ₹200. Which is like 0.125%

Celesta dc gives 1 point per 100

 

[AlphaPrimusX]

I did payment of SBI And HDFC Card via Jio Finance on 13th and 14th July. I had received 1% cb (HDFC Platinum DC) using Jio Finance app, within 2 days.

Now i did payment of Another HDFC Card and an Axis Card post 24th July, didn't receive any CB Points. Statement shows same Reliance Pay as the first two (done on 13th and 14th).

Don't know why. Anyone faced similar issue. Is this like after this date, something they changed

 

[Arkapal Sen]

I did payment of SBI And HDFC Card via Jio Finance on 13th and 14th July. I had received 1% cb (HDFC Platinum DC) using Jio Finance app, within 2 days.

Now i did payment of Another HDFC Card and an Axis Card post 24th July, didn't receive any CB Points. Statement shows same Reliance Pay as the first two (done on 13th and 14th).

Don't know why. Anyone faced similar issue. Is this like after this date, something they changed

confirm that jio will not give the 1%

 

[leeflo05]

In search of golden eggs, we are about to lose our only goose that lays them 😑

with the comments out here & the date mentioned across multiple platforms of 23rd July..i think its already killed or its a Glitch that needs to be fixed after BBPS implementation. Hope for the later

 

[Wealth is my birth right!]

with the comments out here & the date mentioned across multiple platforms of 23rd July..i think its already killed or its a Glitch that needs to be fixed after BBPS implementation. Hope for the later

it happens.....lot of evolutions we've seen....its all in the game lets wait and see

 

[leeflo05]

it happens.....lot of evolutions we've seen....its all in the game lets wait and see

I came upon this DC trick for CC payments only last month & this is the second month i have tried it.. Its too soon for me 🙁 .. I had paid out additional fees on Tax payments calculating this 1% with Pinnacle..Hopefully there will be another one that i can latch on to during the start of it in future 🙂

 

[Wealth is my birth right!]

I came upon this DC trick for CC payments only last month & this is the second month i have tried it.. Its too soon for me 🙁 .. I had paid out additional fees on Tax payments calculating this 1% with Pinnacle..Hopefully there will be another one that i can latch on to during the start of it in future 🙂

yes u've to board soon before the train starts...no worries

 

[Arkapal Sen]

Sbi dc update: Exclusion of wallet load trx from reward points from 1st May.

Points limit :Rs250 (or 1000 points) per trx and Rs 2500 per month.

Virtual cards will give rewards only on e-commerce.

Physical dc will give on all except account to wallet and account to account.

2x points on birthday month. But limit remains same.

No change in Reward rate: 0.25% (or 1% points x 0.25paise per point)

Details: https://rewardz.sbi/content/overview

Ps: Some are still getting points on wallet load in May

if i pay cc bills via unipay using sbi dc.will i get reward points?note..its the birthday month of the dc i have

 

[sm9811911]

if i pay cc bills via unipay using sbi dc.will i get reward points?note..its the birthday month of the dc i have

Yea - It’s mentioned in the main post. I am not aware of any change.

 

[IKFLRT]

IDFC Wealth 50K rewards capping, welcome points worth 8K part of this or are they exclusive?

 

[Arkapal Sen]

9) sbi physical debit card on sbi unipay

how much points is given here or rewards points?

@sm9811911

 

[_na_cheese]

RP Chhodo payment hi nhi mila
Paid HDFC bill Using Unipay on 24th 10 pm.
Yet to receive it in card.
Transaction was successful though.

Update.
Refund received.
No RPs.

Any confirm way to pay HDFC bill Using HDFC ESP DC?

 

[Hemang]

Update.
Refund received.
No RPs.

Any confirm way to pay HDFC bill Using HDFC ESP DC?

Refund kyu aaya bhai. Unipay pe hdfc debit card use kiya tha bhai ?