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/

 

[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