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/

 

[iamdhamo]

Called Customer care.

I did re-kyc via app n it was removed

 

[S.B.N.B]

Idfc rewrd portal otp not coming when i am trying redeem for apay gv.. working for anyone

 

[navdeep22]

hi, i paid via hdfc debit card on 31st july and 1st august to get cashback for 2 different months, i got cash back of 31st july transaction on 1st august but for 1st aug transction i did not get cashback, do u guys know when is cashback cedit for platinum debit card is it end of month?

 

[6ix9ine]

hi, i paid via hdfc debit card on 31st july and 1st august to get cashback for 2 different months, i got cash back of 31st july transaction on 1st august but for 1st aug transction i did not get cashback, do u guys know when is cashback cedit for platinum debit card is it end of month?

Which bank CC bill you paid on 1st august?

 

[Abhishek012]

hi, i paid via hdfc debit card on 31st july and 1st august to get cashback for 2 different months, i got cash back of 31st july transaction on 1st august but for 1st aug transction i did not get cashback, do u guys know when is cashback cedit for platinum debit card is it end of month?

Dnt do any transaction on last dates 30th or 31th.

Your 31st july trxn settled on 1st Aug and count for Aug month cashback and high chance you already utilized your Aug month cashback. Now no cashback for your 1st Aug trxn.

 

[shivamk]

Dnt do any transaction on last dates 30th or 31th.

Your 31st july trxn settled on 1st Aug and count for Aug month cashback and high chance you already utilized your Aug month cashback. Now no cashback for your 1st Aug trxn.

AFAIK bill payment date will be considered rather than settled date, statement would also show 30th/31st?

 

[abhiram3443]

Thanks bro. Does Indusind provide transaction wise breakup of RPs anywhere?

No,they don’t provide…..I called customer care regarding this and they confirmed the same.

 

[abhiram3443]

indusind mc pe toh rp mile hi nhi
bhot din ho gaye
payzapp pe kiya
sbiunipay pe bhi
I guess mujhe complain karni hogi

Indus MC is giving reward points on Jio finance…..It’s confirmed and points will be credited within 2 days

 

[navdeep22]

@Abhishek012 @shivamk
I paid via debit hdfc debit card on sbi unipay, I think debit card payments are settled immediately as I received message that payment has been received by sms and limit also released

And secondly I did not use whole 750 cashback during 31st July payment , hence should have received cashback for sure

 

[navdeep22]

Which bank CC bill you paid on 1st august?

Federal bank scapia

 

[zaid_2913]

Federal bank scapia

On which platform you paid scapia bill?

 

[navdeep22]

On which platform you paid scapia bill?

Sbi unipay .

 

[nickee007]

Does JioFinance give cash back for Axis cards ?

I am unable to do payment using HDFC Billpay or SBI Unipay.

 

[harshgupta940]

ALERT

ICICI Bank CC payment using HDFC Billpay is showing new merchant name "CCBBPSNO" so 1% is not confimed for this. As of now only ICICI is confirmed but other banks CC may also get this so try with INR 1 and then do full payment.

Use SBI Unipay or JioPay for ICICI for now

 

[bigbyte]

ALERT

ICICI Bank CC payment using HDFC Billpay is showing new merchant name "CCBBPSNO" so 1% is not confimed for this. As of now only ICICI is confirmed but other banks CC may also get this so try with INR 1 and then do full payment.

Use SBI Unipay or JioPay for ICICI for now

Thanks for information

 

[moong]

Guys, i have one 2.6L CC bill this month and another 2.6L next cycle.
Currently have HDFC platinum, which i can use upto 75k per month, any debit cards i should try to get for bill payment? This is sort of one time thing for now, but wanted to know if its beneficial to get another debit cc. My primary debit card is from ICICI(salary account) which is useless.

 

[NShah]

Guys, i have one 2.6L CC bill this month and another 2.6L next cycle.
Currently have HDFC platinum, which i can use upto 75k per month, any debit cards i should try to get for bill payment? This is sort of one time thing for now, but wanted to know if its beneficial to get another debit cc. My primary debit card is from ICICI(salary account) which is useless.

Read first post of this thread

 

[Arnal07]

ALERT

ICICI Bank CC payment using HDFC Billpay is showing new merchant name "CCBBPSNO" so 1% is not confimed for this. As of now only ICICI is confirmed but other banks CC may also get this so try with INR 1 and then do full payment.

Use SBI Unipay or JioPay for ICICI for now

'CCBBPSNO' means 'NO' cashback on cc bill payment.
pay using jiofinance instead.

 

[navdeep22]

Paid 71k bob credit card bill on sbi unipay merchant was SBIUNIPAYDBcard and got 1% cashback on hdfc debit card

Paid 95k scapia federal Bank credit card and got no Cashback as customer care says no cashback on credit card bill payment merchant was SBIUNIPAYDB

 

[navdeep22]

Did not get rewards for paying scapia in unipay