Latest Working Methods to Pay Credit Card Bill from Debit Cards

[harshgupta940]

Delete your comment.

Nothing like that. It will create chaos only🤣

Already HDFC Bill Pay se kaafi log tension mai hai🤣

Lo kardia Change

 

[MrKant]

What is unipay mcc

Tried just now (SBI) and it settled within seconds. I hope you are paying within billed amount not outstanding. 🙂 If problem persists use other options.

Please Elaborate this

 

[desiviru]

What is unipay mcc

Please Elaborate this

4900. Before elaboration could you tell bill generation date and amount left to pay?

 

[alpha2betaa]

None of the ways you mentioned work for amex currently. Use cred/Mobikwik. No points for Indus DCs

Thanks
But will CRED or MQ fetch RP on any of the 3 DC’s

What is CRED’s MCC for CC bill payment ?

 

[OptiCard]

Kuch dhakkano ki wajah se poore community ko bhugat na padta hai...

Aur karo mail HDFC ko

 

[IKFLRT]

Ghar m 3 platinum debit cards they, sabko Millennia m convert karwa diya. Bhad m jaye ye sir dard.

 

[Sriim]

Thanks
But will CRED or MQ fetch RP on any of the 3 DC’s

What is CRED’s MCC for CC bill payment ?

No points for Indus/HDFC/IDFC DCs on cred/Mobikwik

 

[desiviru]

Ghar m 3 platinum debit cards they, sabko Millennia m convert karwa diya. Bhad m jaye ye sir dard.

Here 4 Millennia. Never had Platinum. Thing is I rarely used HDFC Billpay and it was only for ICICI Bill. Lets hope other keep working or it will be end of cb era via DC. But yet Millennia DC is good for Sbuy.

 

[IKFLRT]

Here 4 Millennia. Never had Platinum. Thing is I rarely used HDFC Billpay and it was only for ICICI Bill. Lets hope other keep working or it will be end of cb era via DC. But yet Millennia DC is good for Sbuy.

Earlier, it was easy to earn ₹750 on platinum DC. Simply pay ₹75000 to your SBI Card through HDFC Billpay, and the transaction will fail if the total outstanding is <75K.

The good thing was that the debited money used to be reversed in 2 working days, and they awarded rewards points even for a failed transaction.

Now that they have patched Billpay, failing transactions on Unipay/Setu is a gamble, as I had to chase Canara Bank/BBPS support for 10 days straight and received no help from them. There's no dedicated team for Canara Setu, and if your transaction fails, the bank won't help as you don't have a bank account with them. Chargeback through the source bank can take a sweet amount of time, and BBPS support is shitty as well. I had to raise a complaint with Canara Bank Headquarters and then get my refund in 2 working days.

As long as IDFC is giving points on DCs, Millennia is fine for me.

 

[CHOCOPANDA]

Delete your comment.

Nothing like that. It will create chaos only🤣

Already HDFC Bill Pay se kaafi log tension mai hai🤣

Sir hdfc millenia debit card se kya ab cashback nhi mil rha hai?
Pls confirm

 

[desiviru]

Sir hdfc millenia debit card se kya ab cashback nhi mil rha hai?
Pls confirm

No one can confirm it as Millennia DC take 90-120 days after txn to process cashback. ut keep using it on Unipay/Jio/Setu. cashback aaye naa aaye bas DC usage rehni chahiye for 5 Lakh personal accidental insurance which will remain active.

P.S: I will claim accidental insurance tomorrow from HDFC for bringing such terms. Many people have lose their hopes and hearts in this accident.
🤣

 

[jeevanreddy58]

Any one got points for indus platinum or singnature dc cards done in August in unipay portal ?

 

[bigbyte]

you can still earn 1% Cashback on SBI Unipay, Jio finance app for credit card bill payment.

Haan Mujhe X ( formerly Twitter) se pata laga ye.

 

[VISHESH_BANSAL]

Sir hdfc millenia debit card se kya ab cashback nhi mil rha hai?
Pls confirm

Millennia is not for Direct CC Bills. It is for Wallet Loads🤣

Load Amazon or Payzapp and Pay CC Bills via Wallet UPI🤣

Millennia users are not affected even if 4900 is excluded in future🤣

 

[shivamk]

Millennia is not for Direct CC Bills. It is for Wallet Loads🤣

Load Amazon or Payzapp and Pay CC Bills via Wallet UPI🤣

Millennia users are not affected even if 4900 is excluded in future🤣

The only difference will be 1% via wallet vs 2.5% via 4900

 

[VISHESH_BANSAL]

The only difference will be 1% via wallet vs 2.5% via 4900

Yaha logo ke pass Bills Jada hote hai Cards kam pad jate hai🤣

1% ya 2.5% does not matter🤣

 

[shivamk]

Yaha logo ke pass Bills Jada hote hai Cards kam pad jate hai🤣

1% ya 2.5% does not matter🤣

Kuch log hai jinka 16k mei circuit chal rha hoga

 

[qwert]

Valid as on 9th May 2024. I will keep on updating here and also on https://twitter.com/sm98119/status/178243226540....

1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L 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: 5% cb on paying cc bills using sbi unipay 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: can be used on hdfc bill pay and 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: can be used to load Amazon(full kyc req), mobikwik or slice wallet and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay or sbi unipay to get 2.5%. 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 and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay, Payzapp for mastercard variant. Incremental rewards so if spend is for example 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.

6) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi. Get 2% cashback. Max cashback of 500 per month. Max cashback limit : Rs30 per tranx. Rs.100 per day.

7) IDFC Debit cards: Pay cc bill 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.

8) Axis Liberty dc : Use upi to pay through any app or use dc through sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies.

9) Other dc: Jupiter (1% upto Rs150 on sbi unipay; 2% using upi for select accounts), Citi Priority world debit card 1.3% on sbi unipay. Sbi physical dc 0.25% on all except account to wallet/account to account. Union bank signature 1% unlimited. Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.

Alternative to SBI unipay: ‘Airtel’ (only bbps cc), ‘jio finance’ app (only bbps cc)

Imp note: SBI Unipay is working now for most of people, still try with small amount first. Paytm MCC can be different in some trx but mostly working for indus.

If you can, help me add/modify details. Trying to make it easier for people to find info.

can you explain 8th point again "8) Axis Liberty dc : Use upi to pay through any app or use dc through sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies."

what do you mean upi? and does it provide cashback through unipay like HDFC dc?

 

[roygarg]

can you explain 8th point again "8) Axis Liberty dc : Use upi to pay through any app or use dc through sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies."

what do you mean upi? and does it provide cashback through unipay like HDFC dc?

If you have an axis liberty account, you get 750 voucher for spends of 60k in 3 months. All p2m transactions count. In the case of cc bills, if you pay cc bills using your axis bank upi, say from amazon, they are p2m transactions that count for the 750 voucher.

 

[RohitSah]

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 ?

Both screens showed successful, thats why I didn’t bothered.