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]

This is the old MCC code that used to get before HDFC put the axe

This doesn't work anymore. HDFC has changed the all the banks merchant to CCBBPSNO, which is not a utility merchant. Therefore, you will not get points on CC bills paid through HDFC billpay.

@sm9811911 bro, scrap that HDFC billpay portal whenever you update the first post. The information is wrong and could led to blame game in future.

 

[shivamk]

Portal	MCC code	HDFC PDC	HDFC Millenia DC	IInd Select ViSa Sign	IDFC DC
HDFC Billpay
	RENTALBBPSNO	NO	NO
	CCBBPSNO	NO	NO
	HDFCBILLPAY	YES	YES
SBI unipay
	SBIUNIPAYDBCard	YES	YES		YES
Paytm				YES
Mkwik
Cred
Cheq
Canara Setu		YES	YES	YES	YES
JIO Finance
	REL*RELIANCE PAYMENT	YES	YES		YES
Airtel		YES	YES	YES	YES

Indusind ke liye sab mei chance hai na RPs miss hone ka? Mere pichle month ke 900 RPs nhi aaye

 

[silly_putty]

Indus reward points are hit or miss. Sometimes someone gets point on some website. Someone else may not get points spending on the same website same day with same dc. That's all.

do you pay all the bill at once or bit by bit? my bill is roughly 2L and wanted to know if I get rewards for full payment

 

[telescope]

do you pay all the bill at once or bit by bit? my bill is roughly 2L

bit by bit

wanted to know if I get rewards for full payment

nothing is guaranteed with indus valley bank.

 

[OptiCard]

Hey guys,

AS HSBC is not on BBPS --> how to pay HSBC credit card bill to get cashback ??

Anyone found any solution ???

 

[telescope]

Hey guys,

AS HSBC is not on BBPS --> how to pay HSBC credit card bill to get cashback ??

Anyone found any solution ???

Wait until it comes to bbps

 

[skip_tyler]

Unable to use my IDFC Visa DC on any Billpay portal. tried on SBI unipay, Canara setu, JIO finance.. everywhere post fetching the bill and entering the DC card details, it doesnt move to OTP page and transaction fails.. happening only with IDFC DC, works with other DC.

Any one facing similar issue , any known resolution ?

 

[6ix9ine]

Unable to use my IDFC Visa DC on any Billpay portal. tried on SBI unipay, Canara setu, JIO finance.. everywhere post fetching the bill and entering the DC card details, it doesnt move to OTP page and transaction fails.. happening only with IDFC DC, works with other DC.

Any one facing similar issue , any known resolution ?

Seems like a issue on IDFC's end. Similar case ↓

A

Thread 'Transaction failure on SBI Unipay, JIO and PAYTM when using IDFC Platinum Plus DC'

Aug 26, 2024

Hello people,

I have an issue which I cannot find mentioned anywhere in any thread here...

I opened a IDFC Salary account & received a Platinum Plus DC 3 days back hoping that I will get RP's on CC bill payment.

So, I tried to pay my IndusInd bank's CC bill using it on SBI Unipay, JIO and PAYTM but everywhere it is failing. The OTP page never gets open and I get only FAILURE message.

I then went to MANAGE the Online transaction amount for this DC in app and tried all apps again to pay CC bill, still FAILED.

So, I tried on Swiggy and payment was successful. So, DC is working fine, but...

• alpha2betaa
• idfc jio paytm sbi unipay
• Replies: 53
• Forum: Credit Card Bill Payment

 

[sam1803]

Anybody able to see SC credit card in mobile app. I tried but no cards showing. Even the maintenance is over still not able to check the credit card inside app.

 

[Pravin1156]

Anybody able to see SC credit card in mobile app. I tried but no cards showing. Even the maintenance is over still not able to check the credit card inside app.

SC Upgrading thier CC Systems till today. I have same issue. Hope it will get resolved tomorrow

 

[Ak2222]

Can any one share latest update on - Which payment sites earn rewards for indus select visa DC & MC DC (other than Paytm) please?

 

[OptiCard]

@VISHESH_BANSAL

Bhai hasne se kaam nahi chalega kuch zogad bhitaoo

 

[AllThatStuff]

Where can we pay Onecard bill using DC to earn points??

 

[Pavankotte]

Can any one share latest update on - Which payment sites earn rewards for indus select visa DC & MC DC (other than Paytm) please?

Paytm is not working. U can pay thru sbi unioay, jio finance and canara setu

 

[rkg]

SBI Unipay is working for me. Money gets credited to respective CC account instantly.
Paid HDFC CC Bills with HDFC Platinum DC last week and got the cash back

 

[Sriim]

Paytm is not working. U can pay thru sbi unioay, jio finance and canara setu

Who said Paytm is not working?

 

[Sudip]

I'm unable to pay SBI card bill in SBI unipay, its not even to fetch the bill and given an error : unable to process request.

Canara setu failed as well after entering debit card details for payment.

 

[OptiCard]

Bhai use Canara Setu. --> working awesome.

 

[im-raghav]

HSBC is not available anywhere now ? Any solution for that ?

 

[BhaiyaJi]

I'm unable to pay SBI card bill in SBI unipay, its not even to fetch the bill and given an error : unable to process request.

Canara setu failed as well after entering debit card details for payment.

Try on SBI without login.