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/

 

[ManojGowda]

I have a bill of 50K to pay for my Amex MRCC. What is the best way to pay, so that I get reward points/cashback? Thanks

I pay using SBI RuPay DC, works on amex site too. Gives very poor reward rate but this is all that is working for now.

 

[arvinder]

IDFC has discontinued (DC RP) for credit card bill payments.

yeh toh bura hua :/

 

[darkjediknight]

IDFC has discontinued (DC RP) for credit card bill payments.

For which merchant trsnsaction did you get the email?

 

[SamTucker]

Are there any way to pay before bill generation? (while also getting 1% cashback using hdfc platinum)
My millennia credit card is new no previous bills yet so i ordered 90%+ of limit need to pay to bring it under 30% any ways?
Both sbi unipay or airtel thanks shows no bill available so no option to pay

 

[Sriim]

Are there any way to pay before bill generation? (while also getting 1% cashback using hdfc platinum)
My millennia credit card is new no previous bills yet so i ordered 90%+ of limit need to pay to bring it under 30% any ways?
Both sbi unipay or airtel thanks shows no bill available so no option to pay

You can use netbanking but can't get cashback for prepayment of HDFC cards

 

[atulay]

Does IndusInd visa signature debit card fetch rewards points on paytm(TRXN on IndusInd Card XXXXX at Paytm for INR - IndusInd Bank). Can anyone confirm?

I had done the payment a few days back. Still waiting for RPs. Can anyone else confirm?

 

[beast_boy]

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/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/

Can the Post edit access be provided to someone else as well @TechnoFino , coz OP may not be available all the times to update the details and someone who is interested can keep updating the post, this will save lot of hassle for someone to go through all the 170 Pages as of now on this post.

Or a Post Wiki Can be created which can be edited by reputed members only and can be updated any time

 

[6ix9ine]

Can the Post edit access be provided to someone else as well @TechnoFino , coz OP may not be available all the times to update the details and someone who is interested can keep updating the post, this will save lot of hassle for someone to go through all the 170 Pages as of now on this post.

Or a Post Wiki Can be created which can be edited by reputed members only and can be updated any time

Post was last updated on 21st September, which part is wrong? Highlight it, explain it and tag the OP, he will edit it out for you.

 

[beast_boy]

IDFC has discontinued (DC RP) for credit card bill payments.

Can anyone confirm this is this correct or IDFC still giving RP ? Coz SBI Unipay is Utility MCC and not CC Bill payment

@6ix9ine @sm9811911

 

[Tocoliso]

This is horrible news of True.

 

[6ix9ine]

Can anyone confirm this is this correct or IDFC still giving RP ? Coz SBI Unipay is Utility MCC and not CC Bill payment

@6ix9ine @sm9811911

Actually issue is not with the SBI Unipay, instead IDFC is the culprit. People have to manually send them emails and then request for points.

If you tell the idfc, that you made a payment for CC bill. They will simply state "points will not be rewarded for CC bill payment"

If you tell the idfc, that you made a utility bill payment and you still didn't receive points. They will look into it.

It depends on how people convey their message to the customer executive.

Ps: I don't hold any of the idfc cards, all the information which I wrote above is what I've seen in the forum. There are couple of idfc threads, where people have written their issues and how they fixed them.

 

[Tocoliso]

You should say we have made purchases offline at point of sale. Or say we have made a purchase for some services, like home renovation plans coaching mentoring etc.
Detailed modus to use -


1) First ask them the MCC code of the transaction. Wait for their response.
2) MERGE this with the terms and conditions page highlighting excluded mcc
3) tell me you made merchant purchases online.
4) ask for eligible reward points as mcc is eligible.

 

[sam1803]

Actually issue is not with the SBI Unipay, instead IDFC is the culprit. People have to manually send them emails and then request for points.

If you tell the idfc, that you made a payment for CC bill. They will simply state "points will not be rewarded for CC bill payment"

If you tell the idfc, that you made a utility bill payment and you still didn't receive points. They will look into it.

It depends on how people convey their message to the customer executive.

Ps: I don't hold any of the idfc cards, all the information which I wrote above is what I've seen in the forum. There are couple of idfc threads, where people have written their issues and how they fixed them.

No need to even tell that you have done credit card payments. Just tell them you did not get points for the reward point eligible transactions. As simple as that. Nobody is going to ask you what type of transaction you have done if you are not abusing it. One time I did some cumulative payments around 1.5L(across different txns) so raised a request after 14 days and received the points.

 

[6ix9ine]

No need to even tell that you have done credit card payments. Just tell them you did not get points for the reward point eligible transactions. As simple as that. Nobody is going to ask you what type of transaction you have done if you are not abusing it. One time I did some cumulative payments around 1.5L(across different txns) so raised a request after 14 days and received the points.

@beast_boy see this is just one of many examples

 

[beast_boy]

Actually issue is not with the SBI Unipay, instead IDFC is the culprit. People have to manually send them emails and then request for points.

If you tell the idfc, that you made a payment for CC bill. They will simply state "points will not be rewarded for CC bill payment"

If you tell the idfc, that you made a utility bill payment and you still didn't receive points. They will look into it.

It depends on how people convey their message to the customer executive.

Ps: I don't hold any of the idfc cards, all the information which I wrote above is what I've seen in the forum. There are couple of idfc threads, where people have written their issues and how they fixed them.

Hi bro can you please share the links of those posts.

 

[Abhishek012]

Arindam ne aaj video banaya dekha itne saalo baad Indusind Indie account se 10% Cashback on Credit Card bill payment ka.

 

[Abhishek012]

I pay using SBI RuPay DC, works on amex site too. Gives very poor reward rate but this is all that is working for now.

Use IDFC RuPay Platinum Debit Card (or apply 2nd IDFC Debit Card - RuPay Sticker Firstap Platinum Debit Card) on Amex website for credit card bill payment.

Reward Rate:-

IDFC First Bank RuPay Platinum Debit Card-

Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%

@lightwaves

 

[EnthuCC]

No need to even tell that you have done credit card payments. Just tell them you did not get points for the reward point eligible transactions. As simple as that. Nobody is going to ask you what type of transaction you have done if you are not abusing it. One time I did some cumulative payments around 1.5L(across different txns) so raised a request after 14 days and received the points.

That's right.
I told them "I used my DC for transactions on this date. Please credit the rewards"

No other questions were asked.

 

[sam1803]

Use IDFC RuPay Platinum Debit Card (or apply 2nd IDFC Debit Card - RuPay Sticker Firstap Platinum Debit Card) on Amex website for credit card bill payment.

Reward Rate:-

IDFC First Bank RuPay Platinum Debit Card-

Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%

@lightwaves

One question. Are the rewards of debit cards get clubbed in IDFC? [Wealth Debit + Rupay Sticker Debit]
Till now I have not seen any rewards on rupay platinum sticker yet. How to check for it.

 

[Abhishek012]

One question. Are the rewards of debit cards get clubbed in IDFC? [Wealth Debit + Rupay Sticker Debit]
Till now I have not seen any rewards on rupay platinum sticker yet. How to check for it.

Yes, the rewards of debit cards get clubbed in IDFC [Wealth Debit + RuPay Sticker Debit].