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/

 

[SubhamS2611]

I haven't received it..also getting error to redeem the reward points.

 

[rutgersbach]

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

Are you sure that Millenia DC will get CB when using Airtel app to pay CC bills? Is there a specific procedure for the same? I guess it's the same 1% or is it 2.5%?

 

[rutgersbach]

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

lol, if you think banks are keeping your 10-100k payments for "their" use, you are highly mistaken. It's not even a drop in the ocean for them. Their AUMs are >1000 cr

 

[SahilKr24]

Does anyone know after BBPS confirms that they have received the confirmation of refund, how long does it take for the amount to be credited back to bank? Thanks in advance.

[Canara Setu - HDFC DC]

 

[sam1803]

Guys are you receiving points on HDFC platinum debit card. I tried with smaller txns on Unipay, Jio and Canara but did not receive points yet. Tried 3 days ago. These are the final txn settlement merchant names.

THE CANARA BANK LIMITE
SBIUNIPAYDBCard
REL*RELIANCE PAYMENT S

 

[rufus]

Guys are you receiving points on HDFC platinum debit card. I tried with smaller txns on Unipay, Jio and Canara but did not receive points yet. Tried 3 days ago. These are the final txn settlement merchant names.

THE CANARA BANK LIMITE
SBIUNIPAYDBCard
REL*RELIANCE PAYMENT S

Same here i done my payment on Monday but till now I didn't receive any RP...

 

[6ix9ine]

Damn, this is getting intense. I've redeemed my cashback points, and it's taking some time as well.

Please stop panicking and have some patience. This isn't happening for the first time. New people probably haven't noticed the month-end delays in cashback redemption and points, but this is completely normal behavior for HDFC.

Most likely, as soon as I receive my cashback, everyone else's points will be reflected as well.

 

[VISHESH_BANSAL]

Damn, this is getting intense. I've redeemed my cashback points, and it's taking some time as well.

Please stop panicking and have some patience. This isn't happening for the first time. New people probably haven't noticed the month-end delays in cashback redemption and points, but this is completely normal behavior for HDFC.

Most likely, as soon as I receive my cashback, everyone else's points will be reflected as well.

I am just hoping these guys do not have to face millennia DC ever🤣.

Nhi toh depression mai chale jayege if they moved to millennia 🤣

 

[IKFLRT]

I am just hoping these guys do not have to face millennia DC ever🤣.

Nhi toh depression mai chale jayege if they moved to millennia 🤣

are ye escalate karne na lag jaye ki humne canara, jio or Unipay per transaction ki thi and points nahi mile. utne m Abhishek unko or lalkaar dega twitter per.

isi chutiyape ki wajah se HDFC Billpay barbaad hua tha last month end.

 

[6ix9ine]

I am just hoping these guys do not have to face millennia DC ever🤣.

Nhi toh depression mai chale jayege if they moved to millennia 🤣

khatam ho jayega bhai sab, full panic mode hoga 🤣
Din ke 10-10 thread banenge

 

[6ix9ine]

are ye escalate karne na lag jaye ki humne canara, jio or Unipay per transaction ki thi and points nahi mile. utne m Abhishek unko or lalkaar dega twitter per.

isi chutiyape ki wajah se HDFC Billpay barbaad hua tha last month end.

isi ka darr hai bhai, isiliye mai post kardiya pehle mai ignore kiya 4-5 comments 🤣 phir dekha ki yeh toh pagal ho rhe toh likhna pada comment warna call kardete 🤣🤣

 

[KLB@96]

guys , pls confirm if we getting points for idfc dc + jio fin ?

 

[350modena]

Guys are you receiving points on HDFC platinum debit card. I tried with smaller txns on Unipay, Jio and Canara but did not receive points yet. Tried 3 days ago. These are the final txn settlement merchant names.

THE CANARA BANK LIMITE
SBIUNIPAYDBCard
REL*RELIANCE PAYMENT S

Too early. It's the month end. It can take upto 10 days. So please wait !

 

[350modena]

I am just hoping these guys do not have to face millennia DC ever🤣.

Nhi toh depression mai chale jayege if they moved to millennia 🤣

Haha .. just applied for a millenia for one of my family accounts. Dreading how I will keep track of a 90 day cashback cycle. Any tips ?

 

[Jhon Anand]

Guys are you receiving points on HDFC platinum debit card. I tried with smaller txns on Unipay, Jio and Canara but did not receive points yet. Tried 3 days ago. These are the final txn settlement merchant names.

THE CANARA BANK LIMITE
SBIUNIPAYDBCard
REL*RELIANCE PAYMENT S

I also didn't receive it. Did on 26th aug

 

[telescope]

Haha .. just applied for a millenia for one of my family accounts. Dreading how I will keep track of a 90 day cashback cycle. Any tips ?

no need to keep track HDFC is very honest with points. They'll give it.

 

[qwert]

Hello, I have to pay sbi credit card bill which is around 1lac. I have paid bills for few cards but haven't received any points/cashback yet using HDFC Platinum DC. Is DC reward point is still working?I haven't seen anything mentioned in main post.

Will SBI UNIPAY is available for paying sbi credit card bill(using hdfc dc)? will I get point/cashback?

Also can anyone confirm when I opening SBI unipay portal from my sbi account, it aren't showing any DC option for paying cc bill? only account is available for paying, pls confirm?

 

[telescope]

ye baby neos and buzzing bees marwayega. pakka.

 

[6ix9ine]

ye baby neos and buzzing bees marwayega. pakka.

 

[6ix9ine]

Hello, I have to pay sbi credit card bill which is around 1lac. I have paid bills for few cards but haven't received any points/cashback yet using HDFC Platinum DC. Is DC reward point is still working?I haven't seen anything mentioned in main post.

When did you paid the bill? If recently, please refer to this: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-773165

Will SBI UNIPAY is available for paying sbi credit card bill(using hdfc dc)? will I get point/cashback?

Yes

Also can anyone confirm when I opening SBI unipay portal from my sbi account, it aren't showing any DC option for paying cc bill? only account is available for paying, pls confirm?

You don't need to go through that way. You will face payment failures, instead use this direct link: https://customer.sbiunipay.sbi/CustomerPortal/quickPay