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/

 

[6ix9ine]

Hi did anyone try Setu+millennia debit card and what is the reward rate

I am not sure where Millennia debit card provides 2.5% and where it gives 1%

Any help would be appreciated, Thanks

Same goes for setu as well, pretty much the same answer as above.

- HDFC Millennia DC reward rate -> 2.5% upto 400
- HDFC Platinum DC reward rate -> 1% upto 750

 

[ARJUN5]

Same goes for setu as well, pretty much the same answer as above.

- HDFC Millennia DC reward rate -> 2.5% upto 400
- HDFC Platinum DC reward rate -> 1% upto 700

Thanks for the quick reply

 

[deep@vie]

Same goes for setu as well, pretty much the same answer as above.

- HDFC Millennia DC reward rate -> 2.5% upto 400
- HDFC Platinum DC reward rate -> 1% upto 700

750 came down to 700??

 

[6ix9ine]

750 came down to 700??

My bad, corrected that to 750 xD thanks

 

[dapatale]

Does indusind grande mastercard debit card gives 1% cashback
If yes on which platform

 

[Sahil_07]

Hi did anyone try Setu+millennia debit card and what is the reward rate

I am not sure where Millennia debit card provides 2.5% and where it gives 1%

Any help would be appreciated, Thanks

I don't know why people are so worried about Milenia debit card.
Its simple man,just add 40k in Amazon wallet and transfer them back to bank.
It takes 10 secs.
And pay cc bill with UPI if you don't have other rewarding debit cards.
What is benefit of trying these weird combos

 

[IKFLRT]

I don't know why people are so worried about Milenia debit card.
Its simple man,just add 40k in Amazon wallet and transfer them back to bank.
It takes 10 secs.
And pay cc bill with UPI if you don't have other rewarding debit cards.
What is benefit of trying these weird combos

Complicate karna h logo ne Millennia ko bass 😂😂😂

 

[sambitpatro]

Nope, but I did saw a thread where someone mentioned about how to approach sbi unipay, I'll try to find it and drop it here.

I had also mailed them for refund but didn't receive any reply.... However my refund got credited within a week

 

[CardSeeker]

Any Card Working On CRED Like Indusind MC?

PLS Confirm

 

[jeevanreddy58]

I am trying to pay HSBC cc bill payment via Cheq but it is shoeing debit card option if min is 90k bill.. but my sbi dc per day limit is 75k only....
Any alternative to pay via sbi dc for HSBC card ???

 

[sambitpatro]

Does sbi platinum debit card give RP on SC credit card bill payments? If so which site?

 

[IKFLRT]

Does sbi platinum debit card give RP on SC credit card bill payments? If so which site?

FYI, SCB sent me this

Dear Client, We regret to inform you that, your credit card payments made via third party platforms may no longer be supported. You may use online banking, NEFT, NACH, cheque or cash to make your monthly payments. To know more click here https://nc6.in/hNqHuc - StanChart

 

[desiviru]

FYI, SCB sent me this

Dear Client, We regret to inform you that, your credit card payments made via third party platforms may no longer be supported. You may use online banking, NEFT, NACH, cheque or cash to make your monthly payments. To know more click here https://nc6.in/hNqHuc - StanChart

Yeah, they are right. Till they completely move to BBPS, you won't be able to use Third Party Sites/Apps. One by one everyone will move but it will take time. ICICI took a year. SBI and PNB were the fastest to integrate BBPS. HDFC is naughty child of class which lives on Teacher (RBI's mercy) and when RBI gave bamboo cure, they finally moved and HDFC will hope that no new payment ways comes in future. 🤣 Inko toh apna netbanking portal update karney mein 10 saal lagey woh bhi RBI ne jaan le li toh aur abhi bhi beta phase mein hai.

 

[SonyTom]

Yeah, they are right. Till they completely move to BBPS, you won't be able to use Third Party Sites/Apps. One by one everyone will move but it will take time. ICICI took a year. SBI and PNB were the fastest to integrate BBPS. HDFC is naughty child of class which lives on Teacher (RBI's mercy) and when RBI gave bamboo cure, they finally moved and HDFC will hope that no new payment ways comes in future. 🤣 Inko toh apna netbanking portal update karney mein 10 saal lagey woh bhi RBI ne jaan le li toh aur abhi bhi beta phase mein hai.

I think StanChart and Amex dont intend to move to BBPS. Unless a specific order comes that all bill payments in India should be through bbps. But such an order will probably not hold in court of law

 

[deep@vie]

FYI, SCB sent me this

Dear Client, We regret to inform you that, your credit card payments made via third party platforms may no longer be supported. You may use online banking, NEFT, NACH, cheque or cash to make your monthly payments. To know more click here https://nc6.in/hNqHuc - StanChart

Yes, to every SCB card holder

 

[jeevanreddy58]

I think StanChart and Amex dont intend to move to BBPS. Unless a specific order comes that all bill payments in India should be through bbps. But such an order will probably not hold in court of law

HSBC as well

 

[harshit_agrawal]

Any way to pay Amex bill using IDFC DC and get reward points? Cheq, cred, mobikwik or any other platform?

 

[Piyush_Jaiswal]

Does indusind grande mastercard debit card gives 1% cashback
If yes on which platform

No. Grande has a completely different reward structure. Doesn't offer anything on utilities.

 

[shado7333]

today i payed 20k bill of Indus Legend CC using Indus world DC on SBI Unipay. lets see if i get any rewards.

although the debit card page says no indus reward point on cc bill payments.

 

[S.B.N.B]

Yes bank aaya kya bbps par.. mere cc list me rbl and yes rah gaya hai