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 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm or SBI Unipay for visa variants. 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.
For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.

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 (also called Canara Setu) website, 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/

 

[Hemang]

View attachment 62939


dikh to raha h?

ha bhai, galti se visited this site

Pay bills — Setu Bill Payments

 

[Bhanu Agarwal]

i m pretty sure..u will get that in otp page as merchant name is written there..

Checked over otp page too but seeing transactionTypeCode as 9003 --> I am not seeing it's valid MCC anywhere. So 9003 is not MCC but represents something else.

BTW as per Citi bank 9000 - 9999 codes belongs to govt transactions.

 

[Arkapal Sen]

Checked over otp page too but seeing transactionTypeCode as 9003 --> I am not seeing it's valid MCC anywhere. So 9003 is not MCC but represents something else.

BTW as per Citi bank 9000 - 9999 codes belongs to govt transactions.
View attachment 62955

this is for sbi unipay right?

 

[Sriim]

Looking at all the comments regarding payment with HDFC platinum DC.

After July 23, there's been universal delay in points on CC payment irrespective of platform and MCC (HDFC billpay, Jio, Unipay etc)

There could only be 2 reasons
1. They've completely plugged the loophole (don't think it's that easy, particularly with other platforms)
2. Some technical issues are the cause of the delay

I feel it's the latter and all will start getting their points sooner rather than later, at least jio and unipay transactions as I've previously read in different threads about delay in Platinum DC cashback, particularly at beginning of calendar month I think

Thoughts @SSV @sm9811911 @Wealth is my birth right!

 

[350modena]

Looking at all the comments regarding payment with HDFC platinum DC.

After July 23, there's been universal delay in points on CC payment irrespective of platform and MCC (HDFC billpay, Jio, Unipay etc)

There could only be 2 reasons
1. They've completely plugged the loophole (don't think it's that easy, particularly with other platforms)
2. Some technical issues are the cause of the delay

I feel it's the latter and all will start getting their points sooner rather than later, at least jio and unipay transactions as I've previously read in different threads about delay in Platinum DC cashback, particularly at beginning of calendar month I think

Thoughts @SSV @sm9811911 @Wealth is my birth right!

I agree. I think some tech issues are causing delays. I also remember reading that RPs are delayed in first one week of the month - we've seen a couple of updates in Hdfcs systems and it could just be a result of that.

 

[Manav24]

I agree. I think some tech issues are causing delays. I also remember reading that RPs are delayed in first one week of the month - we've seen a couple of updates in Hdfcs systems and it could just be a result of that.

It may be due to recent tech update done by HDFC.

 

[350modena]

It may be due to recent tech update done by HDFC.

Yes i think it's due to that.

 

[_na_cheese]

Looking at all the comments regarding payment with HDFC platinum DC.

After July 23, there's been universal delay in points on CC payment irrespective of platform and MCC (HDFC billpay, Jio, Unipay etc)

There could only be 2 reasons
1. They've completely plugged the loophole (don't think it's that easy, particularly with other platforms)
2. Some technical issues are the cause of the delay

I feel it's the latter and all will start getting their points sooner rather than later, at least jio and unipay transactions as I've previously read in different threads about delay in Platinum DC cashback, particularly at beginning of calendar month I think

Thoughts @SSV @sm9811911 @Wealth is my birth right!

Add : Delay of RP isn't new.

The cause of panic is

1.the "Rental" Mcc code for HDFC bill pay interface

2. The "DC" mcc code for Unipay. (This came after Unipay removed and re added DC payments.)

3. The mandatory BBPS implementation by RBI.

There are more points concerning the Jiofinance and Canara Setu but I've no experience of that untill today so can't really comment on that.

It would be nice if someone decides to lead and create something like "Last confirmed RPs on various with the name of DC and Platform and merchant name."

 

[theflash]

Is there any way to prepay new HDFC cc without bill generated using IDFC DC the card.

 

[Bhanu Agarwal]

Add : Delay of RP isn't new.

The cause of panic is

1.the "Rental" Mcc code for HDFC bill pay interface

2. The "DC" mcc code for Unipay. (This came after Unipay removed and re added DC payments.)

3. The mandatory BBPS implementation by RBI.

There are more points concerning the Jiofinance and Canara Setu but I've no experience of that untill today so can't really comment on that.

It would be nice if someone decides to lead and create something like "Last confirmed RPs on various with the name of DC and Platform and merchant name."

Just want to add few points:

If someone get the points then please clearly describe it as:
1. What platform you used - jioFinance, Airtel
2. What debit card you used - please don't use terms as DC, MC,.... Well define it as debit card, master card or visa card variant. Example- HDFC visa platinum debit card, HDFC millennia mastercard debit card
3. When you received it - the timeframe of when you did the transaction & when you received.

 

[PKMKB]

m kal Unipay se HSBC CC ki payment karunga IDFC Wealth debit card ke through.

last payment 21st ko ki thi and uspr koi rewards nahi mile h abhi tak or wo bhi Sunday tha.

Kal, purso, narso 3no din 100-100 rs ki payment karunga, if in case IDFC kisi ek din ke rewards dena bhul jaye.

 

[theflash]

m kal Unipay se HSBC CC ki payment karunga IDFC Wealth debit card ke through.

last payment 21st ko ki thi and uspr koi rewards nahi mile h abhi tak or wo bhi Sunday tha.

Kal, purso, narso 3no din 100-100 rs ki payment karunga, if in case IDFC kisi ek din ke rewards dena bhul jaye.

Agar points credit nai hua toh manually karwa sakte after 14 working days form Txn date.

 

[rockyBalboa]

I received points for using HDFC Plat DC on Jio, Canara and Unipay. All transactions done on 23rd July.

 

[Sriim]

I received points for using HDFC Plat DC on Jio, Canara and Unipay. All transactions done on 23rd July.

I feel it's the latter and all will start getting their points sooner rather than later, at least jio and unipay transactions

And it begins

 

[cardy]

And it begins

Historical event

 

[shivamk]

I received points for using HDFC Plat DC on Jio, Canara and Unipay. All transactions done on 23rd July.

Finally first medal points

 

[leeflo05]

I received points for using HDFC Plat DC on Jio, Canara and Unipay. All transactions done on 23rd July.

Around what time did you do the transaction?

 

[rockyBalboa]

Around what time did you do the transaction?

Did transactions around 11 am on 23rd July.

 

[leeflo05]

Did transactions around 11 am on 23rd July.

I did the transaction around 8:17 PM & I haven't received the rewards points..Lets wait for few more days to see

 

[Bhanu Agarwal]

Guys let's wait for 2-3 days more.

Thanks @Rocky Balboa for confirming the things