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/

 

[freedealexpert]

I have paid through airtel app via indus visa signature a d merchant name was bharti airtel, didn't get any points. Paid on 22nd and now used indus visa signature on 31st july at sbi unipay but didnt get points till now.

Update on 8th aug
Didn't get any points for 31st july on sbi unipay
Didn't get any points for paytm
Used induslnd visa signature
In both the case, i made the payment on 31st july and through paytm 1am around on 1st August.
Totally no idea when will they give or ignore.

 

[ChurningNoob]

Now that non-BBPS cards are removed from Unipay, what options are left?

 

[Sriim]

Now that non-BBPS cards are removed from Unipay, what options are left?

NEFT/Mobikwik

Cred should technically work but someone reported failure

 

[Rahul_diwan]

NEFT/Mobikwik

Cred should technically work but someone reported failure

I have indus exclusive visa and master dc, idfc dc as well

Have hsbc 2L+ due, any possibility to get some rewards anywhere?

 

[Sriim]

I have indus exclusive visa and master dc, idfc dc as well

Have hsbc 2L+ due, any possibility to get some rewards anywhere?

Nope x x

 

[sm9811911]

I have indus exclusive visa and master dc, idfc dc as well

Have hsbc 2L+ due, any possibility to get some rewards anywhere?

Indus visa used to work on cred (Dreamplug Paytech merchant) before. Not sure about recent status. But if no option, use that.

 

[Rahul_diwan]

Nope x x

Indus visa used to work on cred (Dreamplug Paytech merchant) before. Not sure about recent status. But if no option, use that.

I can wait as statement yet to be generated.

Do we know how long it’s gonna take for Amex, SC and HSBC?

 

[desiviru]

Finally, got my IDFC First Select bank account welcome kit with card after 14 days of opening account. As a welcome offer I will get 4000 Bonus Points on first txn of Rs. 1000 as mentioned on their website. There should have been cash redemption but instead will have to go for evouchers. I liked their packing box. Now have kept balance of 10.5L on Aug 2 and will keep it for 3 months and look for wealth upgrade.

P.S: Do IDFC First offer LTF credit card based on bank account relationship? Any IDFC acc. holder here having relationship from long time with them can reply.

 

[rishavraj10]

I used Canara Setu 2 days back but not yet received.
I guess I will get it but need to wait for this week atleast to check if getting or not.

I can see it tagged to utilities but not sure on MCC.
View attachment 62931

I am just curious to know that how did you got this HTML code?

 

[rishavraj10]

I am not getting much info on SBI Unipay
View attachment 62943

Even no where seeing transaction marking as utilities.

Bro, Can you please tell me How did you get this info? Like Steps...

 

[Bhanu Agarwal]

Bro, Can you please tell me How did you get this info? Like Steps...

It might be difficult for you to debug & get this.

Do one thing --> use fiddler & perform global search in that

 

[desiviru]

Bro, Can you please tell me How did you get this info? Like Steps...

Bhai in chrome/other browser just press ctrl+shift+I and it will open developer mode. There you can check easily. I means Inspection.

 

[Bhanu Agarwal]

Bhai in chrome/other browser just press ctrl+shift+I and it will open developer mode. There you can check easily. I means Inspection.

If you want to read the api then use fiddler kind of tool.

Reason is upon subsequent requests chrome removes the response. The above html code was response of 1 of the api & that might not be present over DOM.

If you want to see the DOM then dev tool is good

 

[desiviru]

If you want to read the api then use fiddler kind of tool.

Reason is upon subsequent requests chrome removes the response. The above html code was response of 1 of the api & that might not be present over DOM.

If you want to see the DOM then dev tool is good

yeah, fiddler does the job too. But just use ninja technique we follow. Do a txn and if cb don't come, leave it. haha or as @Abhishek012 said, call CC and ask.

 

[desiviru]

I used Canara Setu 2 days back but not yet received.
I guess I will get it but need to wait for this week atleast to check if getting or not.

I can see it tagged to utilities but not sure on MCC.

For me I used Setu with SBI DC and points were credited in 3 days. You didn't mentioned which dc you used.

 

[Bhanu Agarwal]

For me I used Setu with SBI DC and points were credited in 3 days. You didn't mentioned which dc you used.

Buddy, read the subsequent comments. I mentioned where, how & for which I did transaction & when I received the cashback.

BTW,
I paid HDFC, BOB, PNB, AU & more .... --> includes all dinners club, Rupay, Visa & Mastercard --> all payment done via HDFC Platinum Visa card over Canara Setu.

Only HSBC paid via HDFC billpay --> for that also got the cashback as points

 

[ragz]

Sorry folks, it's really hard to read 120+ pages to get my answer.. so asking again.. is hdfc bill pay not giving points any more for using hdfc platinum dc for supported bbps cc bill payment?

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

is hdfc bill pay not giving points any more for using hdfc platinum dc for supported bbps cc bill payment?

use sbi unipay or jio finance app.

 

[Bhanu Agarwal]

use sbi unipay or jio finance app.

I am not sure if I am the lucky one but I always get payment failure with Jio Finance.

But with Canara Setu never saw issue. --> only thing is you need to re-enter the card details everytime for payment.
If you save the card over google or know coding then no issue.

I personally won't prefer saving card over google so hitting script to fill it

 

[ragz]

use sbi unipay or jio finance app.

Yes I am using sbi unipay, but wanted to know if hdfc bill pay has stopped working? or is it still working?