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/

 

[dealminer]

Quick qus, can anyone confirm:

What's the max rp for future first DC?
And sweet spot (amount to spend) to reach max rp for a month?

Thanks.

 

[Abhishek012]

Got this in email from stanchart. So they will be migrating soon to BBPS it seems.

As you are aware there are multiple methods to make a payment towards your outstanding credit card balance.

One of these methods is through the use of third-party apps like (but not limited to) PhonePe, Google Pay, CRED, Amazon Pay, Paytm and more.

To comply with the recent guidelines issued by Bharat Bill Pay System (BBPS), the Bank is in the process of enabling payments through third-party apps.
In the interim, we would like to inform you that your Standard Chartered Bank credit card payment through such platforms may no longer be supported.

Sab banks BBPS me aayega.

Standard Chartered Bank toh share holder bhi hai BBPS ka aur BBPS ab ek For-profit company hai. SCB ko dividend bhi milta hai BBPS se aur kal ko SCB apna shares bech dega toh acha khasa faida hoga toh BBPS ka market share badhane me Standard Chartered Bank ko help karna chahiye.

 

[NAB]

Sab banks BBPS me aayega.

Standard Chartered Bank toh share holder bhi hai BBPS ka aur BBPS ab ek For-profit company hai. SCB ko dividend bhi milta hai BBPS se aur kal ko SCB apna shares bech dega toh acha khasa faida hoga toh BBPS ka market share badhane me Standard Chartered Bank ko help karna chahiye.

Anyways they are upgrading their CC backend and doing major revamp.
Uss reason se abhi tak nahi kiya move shayad.

 

[SonyTom]

Sab banks BBPS me aayega.

Standard Chartered Bank toh share holder bhi hai BBPS ka aur BBPS ab ek For-profit company hai. SCB ko dividend bhi milta hai BBPS se aur kal ko SCB apna shares bech dega toh acha khasa faida hoga toh BBPS ka market share badhane me Standard Chartered Bank ko help karna chahiye.

Thats new info. So StanChart is definitely going bbps.

How about amex? Are they also share holders in bbps?

 

[NAB]

Thats new info. So StanChart is definitely going bbps.

How about amex? Are they also share holders in bbps?

Whether they are member or not, they will have to comply with the RBI if they want to survive here 😉

 

[deep@vie]

Sab banks BBPS me aayega.

Standard Chartered Bank toh share holder bhi hai BBPS ka aur BBPS ab ek For-profit company hai. SCB ko dividend bhi milta hai BBPS se aur kal ko SCB apna shares bech dega toh acha khasa faida hoga toh BBPS ka market share badhane me Standard Chartered Bank ko help karna chahiye.

Might come on bbps in next few days

 

[Pravin1156]

Might come on bbps in next few days

Any idea about RBL Bank credit cards will comes under BBPS soon, Any news regarding that?

 

[NAB]

Any idea about RBL Bank credit cards will comes under BBPS soon, Any news regarding that?

Each and every bank will come under BBPS, It's just a matter of time.
It's not that easy as it looks like. It takes time.

 

[pranaym]

Currently what's the working platforms to pay RBL cc bills to get 1% platinum dc cashback?

 

[sridharkett]

Need to pay 1 L amex credit card bill and 50K SC credit card bill, Having RBL signature plus and hdfc platinum debit card. Need to know from which platform will I get the benefit some one please guide me.

 

[6ix9ine]

Need to pay 1 L amex credit card bill and 50K SC credit card bill, Having RBL signature plus and hdfc platinum debit card. Need to know from which platform will I get the benefit some one please guide me.

None at this moment

 

[dhruvks]

When paying my credit card bill using Canara Setu, the only payment option I see is UPI (QR); no other options are available. Is there something I'm doing wrong?

 

[Pravin1156]

When paying my credit card bill using Canara Setu, the only payment option I see is UPI (QR); no other options are available. Is there something I'm doing wrong?

I am able to see Debit option. It is there, please clear cache and try again

 

[theflash]

Amt failed twice on canara refund will be automatic?

 

[6ix9ine]

Amt failed twice on canara refund will be automatic?

@PKMKB batao bhai kya kya kiya tha aapne 😂

 

[dhruvks]

I am able to see Debit option. It is there, please clear cache and try again

I tried to make a payment using billpay.setu.co, but it only offers the UPI option.
However, billpe.setu.co works fine , gives all payment options.

I have another doubt, I have a credit card bill of 1.5L. I want to use IDFC debit card for the payment. Should I make a full payment of 1.5L or break it into smaller parts?

 

[telescope]

I tried to make a payment using billpay.setu.co, but it only offers the UPI option.
However, billpe.setu.co works fine , gives all payment options.

I have another doubt, I have a credit card bill of 1.5L. I want to use IDFC debit card for the payment. Should I make a full payment of 1.5L or break it into smaller parts?

it is better to break it into smaller parts

 

[Abhishek012]

When paying my credit card bill using Canara Setu, the only payment option I see is UPI (QR); no other options are available. Is there something I'm doing wrong?

Because you are using Axis bank setu website.

Canara bank setu website here - https://billpe.setu.co/1428576343393568731/billers/Credit-Card

 

[Pravin1156]

I tried to make a payment using billpay.setu.co, but it only offers the UPI option.
However, billpe.setu.co works fine , gives all payment options.

I have another doubt, I have a credit card bill of 1.5L. I want to use IDFC debit card for the payment. Should I make a full payment of 1.5L or break it into smaller parts?

I made single payment of 2.14L through Canara setu in single transaction using IDFC Select debit card. But I am not responsible if your card and account is blocked

 

[IKFLRT]

@PKMKB batao bhai kya kya kiya tha aapne 😂

Linkedin per BBPS support se chat initiate karo or BBPS transaction ID do. Wo log udhar 1 ghante m reply de dete h or 3-5 Working days m issue resolve kar denge.

Canara bank ka koi direct contact information nahi h PG Setu ke liye. Unke grievance redressal mechanism ko follow karna padega or kisi random bade bank per non customer complaint karni padegi or udhar apni dukh, dard or peeda likhni padegi.

Waha se fir wo log complaint ko samjhenge or assist karenge. Refund automatically bhi aa jata h 7 days m. Yaha kisi ka hua tha fail or 3 working days m auto refund ho gaya tha.