Latest Working Methods to Pay Credit Card Bill from Debit Cards

[KnightKingHunMai]

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/

"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. " Confusing .. Some one please help where Indus Visa varaints works ?

 

[Abhishek012]

No, I don’t find Debit card option on Jio finance app

Use SBI Unipay website - https://customer.sbiunipay.sbi/CustomerPortal/quickPay

Canara Setu website - https://billpe.setu.co/1428576343393568731/billers/Credit-Card

 

[rishi4]

"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. " Confusing .. Some one please help where Indus Visa varaints works ?

+1
I also need this clarity

 

[sm9811911]

+1
I also need this clarity

Use unipay. .

 

[rishi4]

Use unipay. .

For Indus MC or Visa?

 

[rishi4]

Also does anyone have clarification on indus reward distribution?
I read it somewhere on this forum but can't find it again

 

[sm9811911]

For Indus MC or Visa

All. . .

 

[Anil_SinghAnil_Singh is verified member.]

"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. " Confusing .. Some one please help where Indus Visa varaints works ?

Indus points are hit or miss. Use only when you exhaust all other options.

 

[rrsji]

what

Debit Restricted By IDFC Bank 🙁 😢

was the solution for unblock?

 

[theflash]

what

was the solution for unblock?

Contact customer care

 

[rrsji]

Contact customer care

Via email/call/twitter?
I have the bank guy number who opened the account.

also it was 40k cc bill payment via debit card on which it hit it

 

[theflash]

Via email/call/twitter?
I have the bank guy number who opened the account.

also it was 40k cc bill payment via debit card on which it hit it

18 001 0888

 

[CC_Exuberant]

the thing is money got credited in my credit card so i don't want a refund. i already got the reward points

Money on hold got credited back to account ? I see they have paid my bill and refunded the same in my account. Don’t know when should they debit or cancel the payment in card !! Weird situation.

 

[rrsji]

18 001 0888

Thanks, btw received a mail from RCU, asked for confirming the transactions, i confirm by one line like yes it was me. And they unblocked within 4 hr.



For safe side, not going to activate UPI on it. And debit card setup need to check several time

 

[chadsterpiece]

Guys I have a hefty bill payment to be done on 2nd oct. I was thinking of using my HDFC easy shop plat DC to get 750CB on 31st midnight when it's 1 Oct.

Are there any reliable ways to pay the bill without payment errorand get the CB? Or is it too risky given the due date is too short

 

[theflash]

Guys I have a hefty bill payment to be done on 2nd oct. I was thinking of using my HDFC easy shop plat DC to get 750CB on 31st midnight when it's 1 Oct.

Are there any reliable ways to pay the bill without payment errorand get the CB? Or is it too risky given the due date is too short

Hefty amt means 4-5L? Then can try IDFC Select/Wealth... It's giving me RP. Sometimes have to get it credited manually.

 

[chadsterpiece]

Hefty amt means 4-5L? Then can try IDFC Select/Wealth... It's giving me RP. Sometimes have to get it credited manually.

3L is the amt on apay and about 80k on onecard which I know is going to be exempted. but ideally 3L via HDFC DC for 750CB. Just checked JioFin app, they seem to have removed pay via Debit Card option which makes the 750CB not viable via JioFin. Are there any other sites that let you pay via DC?

I don't have IDFC select/wealth. Do you think they let you open a 0MAB account upon initial funding? Can fund up to 5L

 

[deep@vie]

3L is the amt on apay and about 80k on onecard which I know is going to be exempted. but ideally 3L via HDFC DC for 750CB. Just checked JioFin app, they seem to have removed pay via Debit Card option which makes the 750CB not viable via JioFin. Are there any other sites that let you pay via DC?

I don't have IDFC select/wealth. Do you think they let you open a 0MAB account upon initial funding? Can fund up to 5L

Why to pay 3l via debit card, pay 75k with debit card & remaining 2.25l directly to UPI or via UPI with any app that settles it instantly.

 

[chadsterpiece]

Why to pay 3l via debit card, pay 75k with debit card & remaining 2.25l directly to UPI or via UPI with any app that settles it instantly.

Fair, I agree. Which site can I make use of to pay via DC?

 

[deep@vie]

Fair, I agree. Which site can I make use of to pay via DC?

Sbi unipay . .