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 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 or SBI Unipay for visa variants. 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.
For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.

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 (also called Canara Setu) website, 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/

 

[panu24]

In case anyone still waiting for their HDFC Platinum DC reward points from last week then I saw for 28th Aug transaction points credited today for me.

 

[arvinder]

Can i pay my standard chartered cc bill via mobikwik ?

 

[Bhokaal]

In case anyone still waiting for their HDFC Platinum DC reward points from last week then I saw for 28th Aug transaction points credited today for me.

How do check if the reward points are for the specific transaction?

 

[6ix9ine]

How do check if the reward points are for the specific transaction?

You have to calculate it manually (only if you had written your old points somewhere)

 

[panu24]

How do check if the reward points are for the specific transaction?

You need to keep track of it. Like before doing next transaction check how much points you have currently then do transaction and wait for points and when received crosscheck them if they matches the paid bill amount.

 

[panu24]

Can i pay my standard chartered cc bill via mobikwik ?

Yes you can and if you have SBI DC it will reward you 0.25%

 

[mail2jampa]

Does if I pay RBL credit card bill using mobikiwk platform using HDFC PLT DC will I receive 1% cashback point or not. since RBL is not added in bpps it is not showing in most of the platforms

if I dont receive cashback, please say some alternative way to pay RBL bank cc bill which will fetch cb also

tq

 

[VISHESH_BANSAL]

I did Wallet Load with Millenia DC and used UPI option in onecard app for 1%.
Only FPL Technologies and Onecard@icicirzp or something allow wallet payments, yesbank axis etc didn't allow. (Wonder if they allow Rupay CC too lol)

Need to retry till you get these merchants.

Use Cheq or Mobikwik for Re-Paymets via Wallet UPI and Smooth Experience.

Now Mobikwik is fetching Bills via BBPS , so no need to link Email to get FULLPAY 1% Cashback.

 

[Rohith-2009]

Does if I pay RBL credit card bill using mobikiwk platform using HDFC PLT DC will I receive 1% cashback point or not. since RBL is not added in bpps it is not showing in most of the platforms

if I dont receive cashback, please say some alternative way to pay RBL bank cc bill which will fetch cb also

tq

No points if you use on Mobikwik.

If mobikwik fetched your bill, you can get 1% cb

 

[Chacha_vidhayak]

https://www.technofino.in/community...-pay-credit-card-bill-from-debit-cards.25788/
Check here with the latest msgs .

 

[nayra]

Use Cheq or Mobikwik for Re-Paymets via Wallet UPI and Smooth Experience.

Now Mobikwik is fetching Bills via BBPS , so no need to link Email to get FULLPAY 1% Cashback.

Onecard is not there on BBPS right?

And mobikwik fullpay needs whole billpayment and max cashback is 50?

 

[VISHESH_BANSAL]

Onecard is not there on BBPS right?

Yes and it will never onboard BBPS most likely.

And mobikwik fullpay needs whole billpayment and max cashback is 50?

Yes but it works mutiple times.
Generate 5k bill Once and then repay mutilple times , before next bill generation make outstanding 5k again.

 

[nayra]

Yes and it will never onboard BBPS most likely

Yes but it works mutiple times.
Generate 5k bill Once and then repay mutilple times , before next bill generation make outstanding 5k again.

So mobikwik fetches bill from BBPS but does Neft or something?
So if bill amount is 5k, we can use the same amount for unbilled txns to reduce outstanding amount further? Just have to keep 5k for next bill generation, is that correct?

 

[VISHESH_BANSAL]

So mobikwik fetches bill from BBPS but does Neft or something?

BBPS se fetch karega toh settle bhi via BBPS hi karega.

Only for Non BBPS Billers ,it settle via different mode.

So if bill amount is 5k, we can use the same amount for unbilled txns to reduce outstanding amount further? Just have to keep 5k for next bill generation, is that correct?

 

[deep@vie]

BBPS se fetch karega toh settle bhi via BBPS hi karega.

Only for Non BBPS Billers ,it settle via different mode.

@VISHESH_BANSAL please dm, need an advice

 

[arvinder]

In how many days we get the refund for failed transaction on JioFinance app ?

 

[shivamk]

Yes and it will never onboard BBPS most likely.

Yes but it works mutiple times.
Generate 5k bill Once and then repay mutilple times , before next bill generation make outstanding 5k again.

arey bhai, ye mast trick hai. Thanks

 

[sadhunath]

JioFinance App se HDFC Plat cashback mil raha hain na..

 

[VSC]

JioFinance App se HDFC Plat cashback mil raha hain na..

Yes, today I got cashback for paying bill on 29th Aug

 

[real_name_hidden]

JioFinance App se HDFC Plat cashback mil raha hain na..

Yes
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