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/

 

[ManojGowda]

I want to pay my HSBC CC bill and i don't have an account with them.
So currently, is NEFT the only option left?

 

[ManojGowda]

So all the credit cards(icici, idfc, amex, axis) are removed from the hdfc billers list in the portal. Is it the end of HDFC Bill pay cashback or I have to add the cards again to pay the bills?

You should be able to add ICICI, IDFC and Axis cards as they are on bbps and payment should go through too but not Amex.

 

[6ix9ine]

So all the credit cards(icici, idfc, amex, axis) are removed from the hdfc billers list in the portal. Is it the end of HDFC Bill pay cashback or I have to add the cards again to pay the bills?

When did your axis got removed? ICICI and Axis are on BBPS. For me, it's still there and I'm getting points.

Amex is not in BBPS, hence removed.

 

[Pavankotte]

Already mentioned earlier that Indus Select Visa is not giving RP on JioFinance and Canara.
For Select Visa - Use Paytm and Unipay only.
For Select MC - Use Unipay, JioFinance, Canara and Airtel.

I didn't get RP for select visa on paytm
Txn date 1 Aug

 

[Sriim]

Was able to pay amex bill via Mobikwik. No DC rewards though. Cred should also work i think.

Payment to non BBPS Billers (like Amex, HSBC, etc) are failing on Hdfc bill pay, SBI Unipay, cred and other apps since 5th August. This is likely due to RBI instructions for all cc billers to come onboard the BBPS system.

Almost all cc companies have enabled bbps. Few exceptions currently include Amex, HSBC. Until they enable BBPS, you can pay their cc bills using their upi id or neft. See the thread below for details. Please try with minimum amount first.

See here for payment details:
Thread 'All Bank Credit Card Payment option details'
https://www.technofino.in/community/threads/all-bank-credit-card-payment-option-details.5091/

 

[telescope]

I want to pay my HSBC CC bill and i don't have an account with them.
So currently, is NEFT the only option left?

Yes pay by NEFT

 

[Ccgeek11]

Cred is working fine for non bbps billers. Paid 50k on cred to amex cc using Indusind select visa dc. Amount was successfully credited. Will update if I receive RP.

 

[Pravin1156]

@sm9811911 Bro, When RBL & Standard Charted Bank Credit card will go live on BBPS. Any news regarding that?

 

[qf037x42v]

@sm9811911 Bro, When RBL & Standard Charted Bank Credit card will go live on BBPS. Any news regarding that?

SC has scheduled a major upgrade of its CC systems End of this month. They haven't mentioned anything explicit but they may

 

[ChurningNoob]

Are you getting Citi DC transaction points? I blocked my Citi dc and received Axis burgundy dc and have not received any points yet

 

[Anil_Singh]

@VISHESH_BANSAL @Anil_Singh @Tejo can you confirm?

Select Visa did not gave on unipay too. Txn date was 31st July.

 

[Rockz08]

If I pay BBPS CC bills using RBL Signature DC & HDFC easyshop Platinum DC in SBIunipay or Jiofinanace App will i get 1 Percent Reward ?

 

[telescope]

Select Visa did not gave on unipay too. Txn date was 31st July.

Indus reward points are hit or miss. Sometimes someone gets point on some website. Someone else may not get points spending on the same website same day with same dc. That's all.

 

[Shin-Chan]

Indus reward points are hit or miss. Sometimes someone gets point on some website. Someone else may not get points spending on the same website same day with same dc. That's all.

Very True !!

I will prefer a DC with 0.5% assured reward against uncertail 0.93% Indus Rewards

 

[Sriim]

Select Visa did not gave on unipay too. Txn date was 31st July.

I got for select visa+ unipay on August 3&4

And jio on Aug 1

And airtel on July 31

 

[Sriim]

Indus reward points are hit or miss. Sometimes someone gets point on some website. Someone else may not get points spending on the same website same day with same dc. That's all.

I've got consistently last 3-4 months. They don't have consistency in calculation of points, particularly if you pay in bits and pieces but once i found the right platforms I've always received RPs even if for a lesser amount

 

[peepultree]

Are you getting Citi DC transaction points? I blocked my Citi dc and received Axis burgundy dc and have not received any points yet

Don't know about burgundy, but getting edge rewards on Liberty DC on prestige salary accounts for UniPay CC bill payments.

 

[Anil_Singh]

I got for select visa+ unipay on August 3&4

And jio on Aug 1

And airtel on July 31

You are lucky.

 

[Anil_Singh]

I've got consistently last 3-4 months. They don't have consistency in calculation of points, particularly if you pay in bits and pieces but once i found the right platforms I've always received RPs even if for a lesser amount

I got no points for a single 60k txn.

 

[Ravana_88]

Let us know when you receive RP