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]

As per a post in Reddit which was last updated on Auh 12th, there are no cashback points for paying CC bills using HDFC platinum DC. Even in Aug first week, I did not get any cashback points for paying the Axis ACE bill using HDFC DC.

Because HDFC billpay stopped working that week. It seems like Redditors are still on HDFC Billpay, and perhaps still waiting for the cashback

 

[exo]

Read this nice post by @6ix9ine

Post in thread 'Anyone used HDFC Platinum DC on SBI Unipay after Aug 05th for CC payment'

Aug 31, 2024

leave the screenshot bro
i didnt get properly " i paid sbi axis and hdfc in the same order as ss "

r u saying you paid sbi, axis, hdfc cc bills using hdfc dc recently after aug 25th and received all cb
or any other meaning which I am missing kindly correct me?

Let me answer all of your queries along with your old posts.

If you have HDFC Platinum DC, then you can use it to pay CC bills of any banks except those which are not on BBPS.

Where to pay?
Answer: Platforms: SBI Unipay, Airtel thanks app & Atal setu (canara bank)

How to pay?
Answer: Just use any of the...

• 6ix9ine

• 
• 
• 

Thank you so much. Somehow this post did not pop up in my search.

Edit: Just paid the Axis Ace bill using SBI Unipay with HDFC platinum DC.

 

[exo]

With BBPS, arn't bill payments supposed to reflect immediately in CC?

 

[nayra]

Thank you so much. Somehow this post did not pop up in my search.

Edit: Just paid the Axis Ace bill using SBI Unipay with HDFC bill pay.

with HDFC DC?

 

[6ix9ine]

With BBPS, arn't bill payments supposed to reflect immediately in CC?

They will reflect instantly

 

[exo]

yeah, apologies. I was expecting a sms from AXIS. Just checked the AXIS app and the payment is reflected there.

 

[rashedmyt]

yeah, apologies. I was expecting a sms from AXIS. Just checked the AXIS app and the payment is reflected there.

yeah, SMS seems to be slow sometimes I think.. Recently, I paid for HDFC CC on SBI Unipay and I received the SMS after a day or two

 

[6ix9ine]

yeah, apologies. I was expecting a sms from AXIS. Just checked the AXIS app and the payment is reflected there.

Same goes for HDFC as well. One of my friends paid a bill at 2:00 PM, but the confirmation message came at 12:00 AM.

BBPS integration has helped with instant settlement of amounts, but banks couldn't fixed their instant message delivery.

SBI is great in this regard, as they have always been on BBPS and consistently send messages instantly.

 

[exo]

Because HDFC billpay stopped working that week. It seems like Redditors are still on HDFC Billpay, and perhaps still waiting for the cashback

Yeah, I started using Reddit a few months back and majorly use it to get credit-card related updates. For major things, I come to TechoFinno. 🙂

Faced lots of issue in Aug first week with HDFC Bill pay. Got too many errors while adding cards. Once a few were added, got too many errors while making bill payments for those cards. 3 payments were successful and then 2 of them, got failed after 2 days.

So I had a very bad experience with HDFC bill pay.

 

[exo]

with HDFC DC?

yes, with HDFC platinum DC.

 

[6ix9ine]

Yeah, I started using Reddit a few months back and majorly use it to get credit-card related updates. For major things, I come to TechoFinno. 🙂

Faced lots of issue in Aug first week with HDFC Bill pay. Got too many errors while adding cards. Once a few were added, got too many errors while making bill payments for those cards. 3 payments were successful and then 2 of them, got failed after 2 days.

So I had a very bad experience with HDFC bill pay.

HDFC billpay is still reliable platform among the other platforms, but not for rewards anymore. So, eventually you had to came back to TechnoFino

 

[exo]

HDFC billpay is still reliable platform among the other platforms, but not for rewards anymore. So, eventually you had to came back to TechnoFino

I was a longtime CRED user for tracking CC statements and paying CC bills. It has always been reliable for me in terms of CC bill payments. After CRED's fake promotion saga happened on Reddit in July/Aug, I revoked my email permissions and tried to move to HDFC bill pay. then ultimately had to use CRED only.

 

[frezcoop]

With BBPS, arn't bill payments supposed to reflect immediately in CC?

Yes, that's one of the best parts. I have paid my HSBC bill through Mobikwik and I can only cross fingers that it reaches them before due date.

 

[exo]

I am yet to pay ICICI and Apay ICICI bills. My Apay ICICI and Coral Rupay CC have the same last 4 digits. BBPS does not fetch any bill for Apay ICICI CC. Probably will use CRED for it but has 85k bill.

 

[6ix9ine]

I am yet to pay ICICI and Apay ICICI bills. My Apay ICICI and Coral Rupay CC have the same last 4 digits. BBPS does not fetch any bill for Apay ICICI CC. Probably will use CRED for it but has 85k bill.

Someone is facing the same issue as you, you can read about it in the thread and get it changed, so you can avail the cashback on both of your cards as well. Thread link - https://www.technofino.in/community/threads/not-able-to-pay-icici-bill.31245/

 

[arvinder]

I am yet to pay ICICI and Apay ICICI bills. My Apay ICICI and Coral Rupay CC have the same last 4 digits. BBPS does not fetch any bill for Apay ICICI CC. Probably will use CRED for it but has 85k bill.

Call the customer care team.. tell them to block and reissue any one of the card. I did the same and it worked fine after that. Just tell them last 4 digits are causing the issue to fetch the bill.

 

[Rohith-2009]

Call the customer care team.. tell them to block and reissue any one of the card. I did the same and it worked fine after that. Just tell them last 4 digits are causing the issue to fetch the bill.

So, it solved your problem in both cards?

 

[arvinder]

So, it solved your problem in both cards?

Yes... It solved the problem

 

[R!ppEr]

Is SBI uni pay giving points through idfc first select?

 

[exo]

Yes... It solved the problem

How long it took to reflect in BBPS after you got virtual replacement card issued?