Latest working methods to pay credit card bill from debit cards

[sm9811911]

Valid as on 16th Dec 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) Axis Burgundy DC: Pay using Canara BBPS ("Retail CC" merchant name) for 1% Edge Rewards which is equal to 20paise for gift voucher redemption. Double rewards in the birthday month.

9) Other dc: Sbi physical dc 0.25% and SBI Virtual dc 0.50% 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) , Navi app. They only support bbps cc bill payment. Airtel gives 4900 (utility) mcc, same as SBI Unipay.

Canara bbps/setu website (https://billpe.setu.co/1449602066912642206) has 5311 MCC ("Retail CC" merchant name) for paying cc bills.

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/

 

[BeingIncog]

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

it is being finicky lately

 

[ragz]

it is being finicky lately

Got it, I have done a 200 rs test transaction for sbi cb cc bill payment.. let's see if after 2 days I get the points or not

 

[BeingIncog]

Got it, I have done a 200 rs test transaction for sbi cb cc bill payment.. let's see if after 2 days I get the points or not

what trxn description you got?

 

[Anil_Singh]

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.

Looks like 31st July is the culprit..

 

[Avatar Aang]

Any way to pay Amex bill using IDFC or HDFC DC?

 

[Daunt]

Any way to pay Amex bill using IDFC or HDFC DC?

Cred, cheq should work for 50k+ txn. No RPs though.

 

[Rahul_diwan]

Cred, cheq should work for 50k+ txn. No RPs though.

No way to get points for amex, hsbc?

Cred + indus / idfc?

Any other working solution?

 

[Daunt]

No way to get points for amex, hsbc?

Cred + indus / idfc?

Any other working solution?

You can try Mobikwik/Cred + SBI DC for 0.25%
Other than that, no other options for RPs as of now.

 

[EnthuCC]

Can anyone confirm if IDFC debit cards on SBI Unipay are still working or not to get reward points by paying credit card bills?

It's been 10+ days and I haven't received any rewards.

 

[Krishna Kumar]

Can anyone confirm if IDFC debit cards on SBI Unipay are still working or not to get reward points by paying credit card bills?

It's been 10+ days and I haven't received any rewards.

Yes working. I got rewards till 6th Aug. Somedays in between are missing though.

 

[papimann]

Airtel app is also applicable for DC rewards i believe.

 

[RohitSah]

Guys I need a suggestion for late cc bill payment.
My Au bill of around 15k was due on 5th Aug and I did the payment on same day through SbiUnipay, it showed the bill payment was successful. My fault was that I didn’t check if the amount got credited or not and completely forgot about it.
Today on 9th I received a refund from SbiUnipay for the same and got to know the payment was not successful. I immediately did a payment through cred and it got credited.

Now is there any thing I can do to avoid huge charges? Please help.

 

[VISHESH_BANSAL]

Guys I need a suggestion for late cc bill payment.
My Au bill of around 15k was due on 5th Aug and I did the payment on same day through SbiUnipay, it showed the bill payment was successful. My fault was that I didn’t check if the amount got credited or not and completely forgot about it.
Today on 9th I received a refund from SbiUnipay for the same and got to know the payment was not successful. I immediately did a payment through cred and it got credited.

Now is there any thing I can do to avoid huge charges? Please help.

Now Just Request AU Politely to reverse the charges if any.

Also if Minimum Due was Paid already then no effect on CIBIL, otherwise CIBIL will take a negative hit.

On Unipay there is double successfull Screen, First One is Payment successfull and after that it redirects to second one that is for Bill Payment successfull/Failed status

Did you left the website at first screen only ?

 

[desiviru]

HDFC Updated on website that CC payments through Debit card won't fetch rewards anymore with immidiate effect. Added to almost all DCs web pages

Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same.

I hope it is currently for HDFC Billpay portal only. Those id**ts who were calling/emailing CC after not receiving cashback have killed the golden goose. That's why people don't share anything from long. You share it, they close the door. 🤣

Next on cards is SBI cashback and Millennia where some will call/email for buying GC and not receiving CB and stup** will approach them when cashback gets delayed due to technical reason. I have never approached bank for non-genuine things. God save us from these i**ot souls.

 

[telescope]

HDFC Updated on website that CC payments through Debit card won't fetch rewards anymore with immidiate effect. Added to almost all DCs web pages

Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same.

I hope it is currently for HDFC Billpay portal only. Those id**ts who were calling/emailing CC after not receiving cashback have killed the golden goose. That's why people don't share anything from long. You share it, they close the door. 🤣

Next on cards is SBI cashback and Millennia where some will call/email for buying GC and not receiving CB and stup** will approach them when cashback gets delayed due to technical reason. I have never approached bank for non-genuine things. God save us from these i**ot souls.

The way baby neos and bees are buzzing these days on some specific threads, all dc will get devalued soon.

@TechnoFino should think about some restriction for newbies about which threads they can access.

 

[desiviru]

The way baby neos and bees are buzzing these days on some specific threads, all dc will get devalued soon.

@TechnoFino should think about some restriction for newbies about which threads they can access.

I tried my hard when renamed Can*** Setu to Atal Setu. Asked everybody to codename. But now Code Black implemented by HDFC when RENTALBBPSNO started and now it blasted. Now its time for Secret Bank of India i.e SBI to come to recue and send their software engineers on long holiday so that no modification of MCC happens.

 

[bigbyte]

HDFC Updated on website that CC payments through Debit card won't fetch rewards anymore with immidiate effect. Added to almost all DCs web pages

Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same.

I hope it is currently for HDFC Billpay portal only. Those id**ts who were calling/emailing CC after not receiving cashback have killed the golden goose.

@Abhishek012 aaj tau party hogi. Gaana bajana hoga. Ghar mei sewaiyan bhi banegi. Kabool hai ka kabool hai Higa.

Eee Humka kabool nahin hai. 😂

 

[6ix9ine]

@Abhishek012 aaj tau party hogi. Gaana bajana hoga. Ghar mei sewaiyan bhi banegi. Kabool hai ka kabool hai Higa.

Eee Humka kabool nahin hai. 😂

Abhi commander business trip par gaye hai, Monday ko aayenge tab aana ☺️

 

[6ix9ine]

I hope it is currently for HDFC Billpay portal only. Those id**ts who were calling/emailing CC after not receiving cashback have killed the golden goose. That's why people don't share anything from long. You share it, they close the door. 🤣

This ^^, khair honi ko kon hi rok sakta hai...time to get millennia DC now. Friendship ended with platinum DC.

Bug fixed karne ke chakkar mai unhone CCBBPSNO karke new mcc hi bana diya

Naa rahegi baans, naa bajegi bansuri

 

[IKFLRT]

@VISHESH_BANSAL ye sirf bol rahe h ya ab actual m ho gaya h?