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/

 

[the_collector]

I paid 70k worth of CC bills yesterday using hdfc ESP DC through SBI unipay and 5k through jio
I got the 750 points today. Which means both work

 

[VISION]

bro Is RBL Signature + DC giving points for Airtel thanks app CC bill payments?

yes airtel gives points

 

[VISION]

dont login. Then you will be able to pay sbicc bill

thankyou for the info.. have been trying sinces 3 day

 

[Sriim]

Yes the amount is getting fetched and after that it fails even before entering OTP irrespective of the amount entered. I tried to pay my SBI card, I did test txn of ₹100 on 30th July, it worked fine at that time.

I paid my SBI card yesterday on jio finance

 

[gamersgzb]

yes airtel gives points

I paid a kotak bill using HDFC DC via Airtel app and money is deducted but don't see the txn any where in Airtel app and it did not reflect on kotak side also..
Does this happens regularly?

 

[R!ppEr]

is idfc select dc still giving points on unipay?

 

[VISION]

I paid a kotak bill using HDFC DC via Airtel app and money is deducted but don't see the txn any where in Airtel app and it did not reflect on kotak side also..
Does this happens regularly?

yes i did face this issue last month of icici payment but money got refunded to account after 3 days.. i didn't face this issue before that.. may because of resent BBPS updates.
and Airtel customer service the worst for the payments

 

[AllThatStuff]

If ICICI CC bill paid using indus MC DC on Airtel App, will it give CB?

Yes you will get points…just don’t pay more than 25k in one txn. !!

 

[DarkShadow]

Yesterday I tried and paid a portion of my CC bill (Yes Bank's) through couple of mediums using Indus Pioneer MasterCard:
1) Paid on Payzapp. Went through successfully and was almost instantly settled to the card account. Merchant name was PZCREDITCARD. Not sure if points will be credited.
2) Unipay - Tried couple of times a small transaction. Entered OTP, post which got the error message stating "Failure". Merchant name was SBIUNIPAYDBCARD. The failed transactions are not visible in "Transaction History"
3) Canara Setu - Same thing as Unipay. Tried couple of times a small transaction. Entered OTP, post which got the error message stating "Failure". Merchant name was CCAVENUE.COM Utility. The failed transactions are visible in "Transaction History".
4) Cred - On paying with Debit Card, merchant name is "CREDCCBILLPAYMENT". Pretty sure points will not be credited. Looking for inputs here. PS: I didnt proceed with the transaction.
5) Today morning, I gave a shot to Unipay again (with a small test transaction). This time transaction went through and for a while the page showed status as "success" with a ref. number and before I could take a screenshot, it tried to redirect to another page. However, it was stuck on "Please be patient while we are processing your payment. Do not close the window or press refresh or browser back button. Bank was debited with the amount.
Moreover, this transaction is not even visible under "Transaction History", nor did I get any email or SMS confirmation from Unipay of the transaction status. Further, the payment was not settled in my card account! I have emailed them, and from what I have read, reply should not be accepted.
I have also called SBI's Wealth customer support team and they too dont have contact details of Unipay's customer support team nor they can access any of those transaction. She asked me to send an email to them. DUH! Then she asked me to call Indus' customer support team and when I emphasised saying that clearly the error is on their end since Indus account has already been debited she said if the transaction fails, it would be refunded in T+1 day (which I fail to believe) and if its not refunded I would need to call again and ticket would be raised.

Questions:
1) Is it usual for Unipay to not record transaction in their "transaction history" section?
2) What is the settlement time for Unipay?
3) Would reward points be given for transaction done on Cred with merchant as "CREDCCBILLPAYMENT"?

Conclusion:
I usually am very sceptic of using services that do not give our customer care number. This time I however let emotion get over logic and it back fired. Though a small amount, but lost the time value.
I have used Cred regularly in past, though it is not the perfect product, it however gets the job done. What I have experienced over a million in payment on Cred is that any high value transaction (dont know the exact number, but for me whenever it is in 5 digits) they payment is NEVER settled immediately and I always need to raise a ticket. It shows it would be credited in 3 working days and on further raising the ticket, I usually get an option for a call back. Here, with Cred atleast there is an option to speak to a human if one can navigate through their stupid help bot! Further, the person on the other end is at least trained enough to listen, understand, comprehend and speak. Further, they say Cred will take the responsibility of any charges, monetary penalties - ofcourse not of affect on credit score; provided it is done on or before the due date. However, in couple of hours, this transaction does go though on raising the ticket. Maybe they highlight so that their team can manually look into it and process urgently 🤔

 

[theflash]

I have used around 4.8L last month with my mom's IDFC Wealth DC should I proceed with her account again for this month or should I use my account? I mean I don't want any issues with rewards being blocked and all so...

PS: I used my account in June for around same amount...

 

[opbamldg]

which bank cc bill u paid on unipay and using hdfc platinum dc?

Standard Chartered credit card

 

[theflash]

IDFC still working on Unipay right?

 

[Arkapal Sen]

Standard Chartered credit card

u wil get..

 

[telescope]

IDFC still working on Unipay right?

Y e s

 

[sam1803]

Did anyone receive points on IDFC Wealth Debit for txn done on 29th July and later on unipay or jio?

 

[Indrajeet100]

Did anyone receive points on IDFC Wealth Debit for txn done on 29th July and later on unipay or jio?

Not even for 25th July transaction

 

[Ram1]

I got for 1 aug, not for july 31

Did anyone receive points on IDFC Wealth Debit for txn done on 29th July and later on unipay or jio?

 

[IKFLRT]

Guys, anyone knows how long Canara Setu takes to refund for a failed transaction?

 

[skvignesh]

Now I am getting "BBPSBILLPAY" for sbicard payments via HDFC billpay👍


try with small amount & see...

 

[PRASHANTTHAKUR]

Anyone getting proper indus reward points for their select visa, mastercard debit card and platinum visa debit cards?