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/

 

[Sudip]

Try on SBI without login

it worked like a charm, thanks.

 

[Ak2222]

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

Indus select visa DC or MC DC - which earns rewards in above 3 portals? What about airtel app - does it earn indusind bank DC rewards for Visa/MC?

 

[Trust Me]

Try on SBI without login.

You are talking about Unipay login, right? (as opposed to accessing Unipay through SBI netbanking).

I never tried Unipay Quick Pay (i.e. without logging into Unipay) because logging in works just fine for me, and has the added advantage of saving the history of all payments made.
.

 

[BhaiyaJi]

You are talking about Unipay login, right? (as opposed to accessing Unipay through SBI netbanking).

I never tried Unipay Quick Pay (i.e. without logging into Unipay) because logging in works just fine for me, and has the added advantage of saving the history of all payments made.
.

Yes talking about Unipay login. For some SBI card payment works without login.

 

[OptiCard]

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

We need to wait till BBPS implements by HSBC.

Till then rely on direct payment or cred or cheq...

 

[sarcasm99]

How to pay standard chartered CC bill to earn rewards/cb ... I have rbl signature+ dc and indusind signature debit cards .... It's still not showing on SBI unipay

 

[6ix9ine]

It's still not showing on SBI unipay

Because it's not on BBPS, it will take some time (we don't know how much)

 

[Thunder766]

Canara Setu login OTP not coming, trying since morning, anyone else facing the same? Have Indusind Select Visa DC.

 

[sarcasm99]

Because it's not on BBPS, it will take some time (we don't know how much)

So any other option for cb ? Last time I paid through mobikwik

 

[telescope]

So any other option for cb ? Last time I paid through mobikwik

N o .

 

[theflash]

Not sure. You can raise a grievance using "customer" option. As you did not use your Net Banking/Canara DC for this payment, don't think they'll be able to help.

Problem is nobody knows that there's something called Setu Billpe by Canara Bank. Even if they know, they wouldn't know the right contacts to escalate your matter.

I might file an RTI to chase after Setu's dedicated team support contact/DL.

Recvd 1 refund second is not yet received the Txn were done same day but at some time difference should wait for 2nd one?

 

[telescope]

Recvd 1 refund second is not yet received the Txn were done same day but at some time difference should wait for 2nd one?

Wait for few days you'll get

 

[rufus]

I paid my axis cc bill through jio finance by hdfc platinum debit card on Monday but till now I didn't receive any reward points for that transaction... i checkd merchant name all r fine...

 

[telescope]

I paid my axis cc bill through jio finance by hdfc platinum debit card on Monday but till now I didn't receive any reward points for that transaction... i checkd merchant name all r fine...

same here. sometimes it take time. so wait.

 

[6ix9ine]

I paid my axis cc bill through jio finance by hdfc platinum debit card on Monday but till now I didn't receive any reward points for that transaction... i checkd merchant name all r fine...

We are at month end, banks get busy. I redeemed my cashback, which is getting delayed as well.

 

[knight]

I paid 20k icici bill in jio finance with hdfc platinum and it went through. Also received credit message from icici.

did you receive cb..in case it was from HDFC platinum card

 

[knight]

sa

I paid my axis cc bill through jio finance by hdfc platinum debit card on Monday but till now I didn't receive any reward points for that transaction... i checkd merchant name all r fine...

me. waiting since saturday

 

[abhiram3443]

I paid my axis cc bill through jio finance by hdfc platinum debit card on Monday but till now I didn't receive any reward points for that transaction... i checkd merchant name all r fine...

For ICICI credit card payment through Jio Finance, I received reward points next day only.

 

[SahilKr24]

Recvd 1 refund second is not yet received the Txn were done same day but at some time difference should wait for 2nd one?

My tnx failed on 18th Aug, canara setu via hdfc dc, today bbps support on linkedin and twitter replied this after chasing for 5 days.

This is to inform you that we have successfully received the confirmation for your refund.

Not yet got the money in the bank, their refund system is broken af, not sure how they decide when to process what date of failed tnxs

 

[deep@vie]

My tnx failed on 18th Aug, canara setu via hdfc dc, today bbps support on linkedin and twitter replied this after chasing for 5 days.

Not yet got the money in the bank, their refund system is broken af, not sure how they decide when to process what date of failed tnxs

I guess these portals are made to exploit this loophole to get money for free for weeks.