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 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) 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/setu website (https://billpe.setu.co/1449602066912642206) , 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/

 

[NShah]

@jack333 there is no mention about cashback on debit card spends.

2% cashback on Upi Spend . . .

 

[Strange]

2% cashback on Upi Spend . . .

What are the eligible merchants for cashback?

 

[NShah]

What are the eligible merchants for cashback?

Fi UPI jaisa hai 2% cashback
Wallet rent etc exclude hai

 

[Strange]

Fi UPI jaisa hai 2% cashback
Wallet rent etc exclude hai

Jupiter ka 1% cashback me to select merchants hai like Zomato, Swiggy, Amazon, Flipkart.

Fir isme bhi same hi merchants ya other?

 

[Abhishek012]

Dhani Pay kyc complete but when I am trying to pay using RBC sig plus it says "credit card cannot be used for credit card payment" can anyone let me know what needs to be done

Dhani wallet loading working ?

 

[Strange]

Dhani wallet loading working ?

Old rotation se Debit and Credit ka MDR abtak pay kar rahe wo log tabhi ye option disable kar rakha hai. 🤣🤣

 

[NShah]

Jupiter ka 1% cashback me to select merchants hai like Zomato, Swiggy, Amazon, Flipkart.

Fir isme bhi same hi merchants ya other?

All P2M transactions

 

[Strange]

All P2M transactions

Are you sure?

 

[sm9811911]

Dhani wallet loading working ?

Ask others in your groups if anyone is able to do cc bill payment from dc via dhanipay? Else will remove from the list.

 

[kshitij_0]

36k/month salary aana band ab 🕵🏻‍♂️

Kaise bhai? DM me batao.

 

[jack333]

There is no mention about select account on jupiter website or app. Can you share link or SOC pdf?

Here it is

 

[jack333]

@jack333 there is no mention about cashback on debit card spends.

I think dc cashback is same as jupiter pro account. I haven't tested that after upgrading to select from pro. 2% for select only on upi

 

[kumars_001]

Dhani wallet loading working ?

No i didn't try. As I thought money might get blocked

 

[Abhishek012]

No i didn't try. As I thought money might get blocked

Dhani also have Wallet UPI for full kyc users, if you have full kyc and then can free transfer to bank.

 

[kumars_001]

Dhani also have Wallet UPI for full kyc users, if you have full kyc and then can free transfer to bank.

Actually I need to pay my credit card bills. So you suggest adding money to wallet and then paying?

If so can we use rbl sigplus and get 2%

 

[kumars_001]

Valid as on 7th 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 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), sbi dc 0.25%, union bank signature 1%, Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.

Alternative to SBI unipay: ‘Airtel’ (only bbps cc), ‘Sriram one’ app (only bbps cc) and 'Dhani Pay' (almost all cc; KYC required; not verified myself)

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.

Hi,
Can you confirm on how to get multiple rbl accounts and signature plus on one pan?
Can we use same mobile number or different required?

 

[sm9811911]

Hi,
Can you confirm on how to get multiple rbl accounts and signature plus on one pan?
Can we use same mobile number or different required?

I am not sure about mobile number. But yes a senior member had multiple accounts on one pan @4uziaul.
Call customer care or rm and check. Rm will be happy to make it easier for you.

 

[sm9811911]

Hi,
Can you confirm on how to get multiple rbl accounts and signature plus on one pan?
Can we use same mobile number or different required?

See here.
Thread 'Holding multiple RBL debit card'
https://www.technofino.in/community/threads/holding-multiple-rbl-debit-card.16018/

 

[AllThatStuff]

For Fi Infinite/Salary account - CRED using upi works only on Android.
Alternatively one can use SBI Unipay to generate QR code & then pay using Fi upi.
Also, Fi DC can also be used.

Please incorporate these too in your post.

P.S.: Please mention if any trick regarding cashback using Jupiter account !!

Update: As of today morning (08.05.24), SBI Unipay has removed UPI from there CC bill payment options…so Fi users using iOS platform have to find a new method.

Also, a major scare….guys plz check that is there any MCC change for bill payment through DC!!!
@VISHESH_BANSAL

 

[lhgeek]

Most of you know the debit cards which are useful, but it’s difficult to keep track of which platforms to use, how to use because of devaluations/ limits.
I had written down current working methods for my personal use but thought of sharing with the community. Will appreciate any feedback. So here goes:

1) RBL signature plus dc: sbi unipay
1b) RBL Enterprise dc: sbi unipay
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay
3)HDFC Millennia debit card: can be used to load Amazon/Mobikwik wallets for 1%. Can use hdfc bill pay or sbi unipay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq(not working for most) for mastercard variant.
5) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi.
6) IDFC Debit cards: Pay cc bill using sbi unipay.
7) Axis Liberty dc : pay cc through sbi unipay for qtly voucher. Can use upi as well anywhere; no exclusions using upi. Bonus tip: Use axis gyftr portal / amazon to buy amazon gv from Liberty dc for weekend cashback.

SBI Unipay is working for most, some are reporting failures. Try with small amount first.

Update: Alternative to SBI unipay: ‘Airtel’ and ‘Sriram one’ app (but they only have bbps cc)

Update 2: P B R G and thomasjackson mentioned even Dhani Pay has utility MCC (so an alternative to SBI Unipay). Non-BBPS cc can be paid. But KYC required. (havent tried myself)

Update 3: Full details with calculations on rewards added here: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-634404

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/

Citi priority debit card is also giving 1.33% cashback on sbi unipay