Latest working methods to pay credit card bill from debit cards

[sm9811911]

Major updates: (1) HDFC billpay and SBI unipay and other apps are now failing Non BBP CC billers. Thanks @VISHESH_BANSAL @Sriim for update. For these you can use Cred. Details here:
https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-745082
(2) HDFC Billpay service has changed it's MCC for some users, so avoid using that for now until things get cleared. Use Unipay instead.

*Main Post*
Most of you know the debit cards which are useful, but it’s difficult to keep track of which platforms to use, how to use because of devaluations/ limits.
I had written down current working methods for my personal use but thought of sharing with the community. Will appreciate any feedback. So here goes:

1) RBL signature plus dc: sbi unipay
1b) RBL Enterprise dc: sbi unipay
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay
3)HDFC Millennia debit card: can be used to load Amazon/Mobikwik wallets for 1%. Can use hdfc bill pay or sbi unipay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and Cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay, HDFC Payzapp and Cheq(not working for most) for mastercard variant. They all work with SBI Unipay.
5) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi. Debit card works with SBI Unipay
6) IDFC Debit cards: Pay cc bill using sbi unipay.
7) Axis Liberty dc : pay cc through sbi unipay for qtly voucher. Can use upi as well anywhere; no exclusions using upi. Bonus tip: Use axis gyftr portal / amazon to buy amazon gv from Liberty dc for weekend cashback.
8) Citi Priority on sbi unipay
9) sbi physical debit card on sbi unipay

Ongoing issues 1) : Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.
2) 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.
3) 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.

Alternative to SBI unipay: ‘Airtel’ (2 merchant names, both work), ‘jio finance’ app Canara bbps (also called Canara Setu) website. They only support bbps cc bill payment. These give 4900 (utility) mcc.

Estimated timelines for rewards : https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-777326

Full details with calculations on rewards added here: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-634404

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/

 

[rogerthat]

Failed on Canara Setu. Thank goodness amount not deducted.

View attachment 67672

Sorry forgot to update. Tried after a couple of hours and it went through successfully.

 

[nh124001]

abb toh bass canara setu ka hi sahara hai

 

[desiviru]

History repeating. The day DC option went away from SBI, everybody was making hue n cry here and I wrote, it will be back and it did.

DC option on JioFin App will be back by tomorrow or max. 7 days as in case of Unipay. But thing to note will be whether they change MCC.

Mast Jio tab tak without Fin.

 

[Abhishek012]

Ok so now with Jio Finance shutting DC we are back to only using Unipay

No, Canara Setu website available - https://billpe.setu.co/1428576343393568731/billers/Credit-Card

 

[Abhishek012]

History repeating. The day DC option went away from SBI, everybody was making hue n cry here and I wrote, it will be back and it did.

DC option on JioFin App will be back by tomorrow or max. 7 days as in case of Unipay. But thing to note will be whether they change MCC.

Mast Jio tab tak without Fin.

Mukesh Ambani k pas bahut paisa hai wapas aa jayega tension maat lo.

 

[6ix9ine]

Mukesh Ambani k pas bahut paisa hai wapas aa jayega tension maat lo.

Yaar aesi ne HDFC ke liye bola tha

Salo ne gayab hi kardiya HDFC billpay se

Waise baat sahi hai, ambani pe paisa jyada hai

 

[Bharat]

Cant find debit card option on jioMoney on CC payment (I did such a transaction few days ago though)
anyone else in same boat or is it for all ?

 

[arvinder]

Cant find debit card option on jioMoney on CC payment (I did such a transaction few days ago though)
anyone else in same boat or is it for all ?

debit card option removed. use sbi unipay

 

[krish a]

Thank you so much sir, if it's ok with you, can I DM you

Yes, feel free to dm

 

[ARJUN5]

Linkedin per BBPS support se chat initiate karo or BBPS transaction ID do. Wo log udhar 1 ghante m reply de dete h or 3-5 Working days m issue resolve kar denge.

Canara bank ka koi direct contact information nahi h PG Setu ke liye. Unke grievance redressal mechanism ko follow karna padega or kisi random bade bank per non customer complaint karni padegi or udhar apni dukh, dard or peeda likhni padegi.

Waha se fir wo log complaint ko samjhenge or assist karenge. Refund automatically bhi aa jata h 7 days m. Yaha kisi ka hua tha fail or 3 working days m auto refund ho gaya tha.

Can you please suggest how I can do that @PKMKB .

Thank you for the help.

 

[sambitpatro]

Mukesh Ambani k pas bahut paisa hai wapas aa jayega tension maat lo.

Bhai paisa hdfc bank deta he as reward points. Mukesh Ambani ka kuch Lena Dena nahi he

 

[psk3005]

I am late to the party,
I tried paying icici credit card using jio finance but as mentioned by most of you debit card option is gone, it might come back but with different mcc , as of now went ahead with sbi unipay and paid using my hdfc platinum debit card, and i can see that we have one more option of canara setu.
Can someone please confirm the following for me
1) i see that maximum cashpoints we can earn per month on platinum dc is 750, should i upgrade my dc to millenia ? Will it help me with better rewards for cc bill payment using jio finance/sbi uni pay/ canara setu.
2) i also saw in the thread we can use hdfc bill pay, how exactly that works should we add the credit card as biller in netbanking ? Is it like auto utility bill payment and i assume we cannot use that for hdfc cc ?

 

[panu24]

I am late to the party,
I tried paying icici credit card using jio finance but as mentioned by most of you debit card option is gone, it might come back but with different mcc , as of now went ahead with sbi unipay and paid using my hdfc platinum debit card, and i can see that we have one more option of canara setu.
Can someone please confirm the following for me
1) i see that maximum cashpoints we can earn per month on platinum dc is 750, should i upgrade my dc to millenia ? Will it help me with better rewards for cc bill payment using jio finance/sbi uni pay/ canara setu.

Millennia DC gives only 400 cashpoints after 90 days. So check how much per month your spends are.

2) i also saw in the thread we can use hdfc bill pay, how exactly that works should we add the credit card as biller in netbanking ? Is it like auto utility bill payment and i assume we cannot use that for hdfc cc ?

Do not use hdfc billpay to pay credit card bills. There are no rewards points for paying cc bills there since last month.

 

[6ix9ine]

I am late to the party,
I tried paying icici credit card using jio finance but as mentioned by most of you debit card option is gone, it might come back but with different mcc , as of now went ahead with sbi unipay and paid using my hdfc platinum debit card, and i can see that we have one more option of canara setu.
Can someone please confirm the following for me
1) i see that maximum cashpoints we can earn per month on platinum dc is 750, should i upgrade my dc to millenia ? Will it help me with better rewards for cc bill payment using jio finance/sbi uni pay/ canara setu.
2) i also saw in the thread we can use hdfc bill pay, how exactly that works should we add the credit card as biller in netbanking ? Is it like auto utility bill payment and i assume we cannot use that for hdfc cc ?

1. It depends on how much your bills are. If they are under 15-16K per month, then Millennia DC is a better choice. If they exceed 16K, go for the Platinum DC.

2. HDFC BillPay no longer fetch you points, so if you're going to use it, do so solely for paying bills. Don’t expect any points.

 

[desiviru]

Mukesh Ambani k pas bahut paisa hai wapas aa jayega tension maat lo.

What I wrote here? Does it says I am taking tension? Instead, I am telling others it will come back. Atleast understand context of a post before replying.

 

[Kuldeep khola]

Anyone please confirm Is sbi unipay working with hdfc platinum debit card for 1% cashback
I paid my cc bill on 30 aug but doesn't receive any cashback

 

[telescope]

Anyone please confirm Is sbi unipay working with hdfc platinum debit card for 1% cashback
I paid my cc bill on 30 aug but doesn't receive any cashback

Have some patience

 

[beast_boy]

After account login

amex you need pay via billdesk or UPI, SBI cc bill via unipay via incognito mode and pay it works cause i paid SBI simplyclick today, ICICI i don't remember if it part of SBI Unipay or not.

SBI BILL PAYMENT in incognito mode after logging into the account or without logging in?

 

[350modena]

YES It is supposed to.

Anyone please confirm Is sbi unipay working with hdfc platinum debit card for 1% cashback
I paid my cc bill on 30 aug but doesn't receive any cashback

 

[beast_boy]

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.

Which platform are allowing Wallet UPI? @VISHESH_BANSAL