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 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) 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/setu website (https://billpe.setu.co/1449602066912642206) , 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/

 

[sm9811911]

Jupiter gives 1% cashback for bill payment using debit card…max upto ₹150 per month.
Cashback earned in Jewels (max 750, where 5J = ₹1)
Jewels are credited instantly, but can be redeems after 2 weeks.
Platform used and verified SBI Unipay & Shriram One app !!

Can use upi for 2% if select account. See below posts

2% cashback on Upi Spend . . .

Here it is

 

[Card_Crafter]

Jupiter gives 1% cashback for bill payment using debit card…max upto ₹150 per month.
Cashback earned in Jewels (max 750, where 5J = ₹1)
Jewels are credited instantly, but can be redeems after 2 weeks.
Platform used and verified SBI Unipay & Shriram One app !!

In same account varient, even UPI also gives 1% upto 500 jewels per month.

Btw I haven't utilised this yet because I don't have Pro account. What are the eligible merchants other than Utility payments?

 

[AllThatStuff]

Can use upi for 2% if select account. See below posts

I have Salary a/c. How to get Select account??

 

[AllThatStuff]

In same account varient, even UPI also gives 1% upto 500 jewels per month.

Btw I haven't utilised this yet because I don't have Pro account. What are the eligible merchants other than Utility payments?

For UPI only few merchants will give 1% cashback!! 👇🏻

 

[Card_Crafter]

For UPI only few merchants will give 1% cashback!! 👇🏻

This is useless then.

 

[jack333]

For UPI only few merchants will give 1% cashback!! 👇🏻

I'm getting on other non listed ones also

 

[BhaiyaJi]

I'm getting on other non listed ones also

Share some of those with us.

 

[Pravin1156]

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 and Cheq(not working for most) for mastercard variant.
5) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi.
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.

SBI Unipay is working for most, some are reporting failures. Try with small amount first.

Update: Alternative to SBI unipay: ‘Airtel’ and ‘Sriram one’ app (but they only have bbps cc)

Update 2: P B R G and thomasjackson mentioned even Dhani Pay has utility MCC (so an alternative to SBI Unipay). Non-BBPS cc can be paid. But KYC required. (havent tried myself)

Update 3: Full details with calculations on rewards added here: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-634404

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/

@sm9811911 Hi bro, Just now I have used Indus Visa Signature debit card for CC Bill payment at CRED (Dreamplug Paytech Merchant) Can I eligible for 3000 reward points by done a transaction of 1lakh. Please confirm?

 

[Strange]

I'm getting on other non listed ones also

How? . .

 

[S.B.N.B]

Rupay cc to bank or cc... Kya option left hai? Airtel also not working.. seems any bbps not working

 

[sm9811911]

@sm9811911 Hi bro, Just now I have used Indus Visa Signature debit card for CC Bill payment at CRED (Dreamplug Paytech Merchant) Can I eligible for 3000 reward points by done a transaction of 1lakh. Please confirm?

It takes 112k for full 3k points. But yes you will get for the payment most likely. Also try to do another 12k from the card for full 3k points.

 

[Strange]

It takes 112k for full 3k points. But yes you will get for the payment most likely. Also try to do another 12k from the card for full 3k points.

What about Platinum Select?

 

[sm9811911]

What about Platinum Select?

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

 

[Strange]

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

@Rahul Gupta said 79.2K

 

[sm9811911]

@Rahul Gupta said 79.2K

100 extra kar lena fir. He is an expert

 

[Pravin1156]

It takes 112k for full 3k points. But yes you will get for the payment most likely. Also try to do another 12k from the card for full 3k points.

@sm9811911 Thanks a lot for the confirmation bro🙂👍🙏🙏🙏

 

[Rahul Gupta]

@Rahul Gupta said 79.2K

Sometimes they credit extra points if you do 79267rs max but thats very rare so 79.2k is best for max points.

It takes 112k for full 3k points. But yes you will get for the payment most likely. Also try to do another 12k from the card for full 3k points.

112.5k for max 3k points.

 

[AllThatStuff]

It takes 112k for full 3k points. But yes you will get for the payment most likely. Also try to do another 12k from the card for full 3k points.

Do Exclusive & Select cards (Visa as well as MC) have same quota or different??

 

[Rahul Gupta]

Do Exclusive & Select cards (Visa as well as MC) have same quota or different??

Same quota and basically same cards except zero forex markup.

 

[Pravin1156]

@sm9811911
Hi bro, today i have made a bill payment of 100rs in SBI Unipay for HDFC Credit card, When it will get reflected. Please confirm?
Usually SBI Unipay CC Bill payment to HDFC Credit card takes how many days to reflect?