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/

 

[Pravin1156]

Flipkart Vouchers removed from IDFC Rewards portal

 

[SpidySpider]

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

Have you checked if it gives reward points on cc payment too? Because I think mcc would be either of wallet or cc bill payment and these are in barred category as per their website.
If it is giving Reward points, which mcc does it give? Utility?.

 

[quino]

Have you checked if it gives reward points on cc payment too? Because I think mcc would be either of wallet or cc bill payment and these are in barred category as per their website.
If it is giving Reward points, which mcc does it give? Utility?.

it doesn't. mcc code is excluded category, i tried/

 

[ujjwal2024]

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

this is great information for AMEX users...

 

[lightwaves]

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

This is great! Thanks for sharing.

I’ve a visa debit card from IDFC. How can I get the second Rupay card from them?

 

[Humanbeing]

This is great! Thanks for sharing.

I’ve a visa debit card from IDFC. How can I get the second Rupay card from them?

Open the app, go to cards and then you will see option to apply first tap debit card which will cost you one time fees of ₹99. It is Rupay Platinum Debit card.

 

[Abhishek012]

Open the app, go to cards and then you will see option to apply first tap debit card which will cost you one time fees of ₹99. It is Rupay Platinum Debit card.

Ya, Also use RuPay Platinum DC - 20% upto 100 discount offer per month on Amazon - Recharge/Utility bill payment.

Swiggy offer also eligible.

Only one time Rs99 fee, no annual charges (some welcome offer also available 2000 reward points on Rs1500 spend.

Post in thread 'IDFC Firstap - The Mini DC'

Sep 5, 2024

Where in IDFC first tap?

What do you mean by where ?
I did a transaction of 1500 rs using idfc firstap and I got 2000 reward points as welcome benifits and 20 reward points as standerd reward rate

• JohnWick

• 

@lightwaves
@ujjwal2024

 

[lightwaves]

Fantastic. Will get mine. Thanks both

 

[lightwaves]

Ya, Also use RuPay Platinum DC - 20% upto 100 discount offer per month on Amazon - Recharge/Utility bill payment.

Swiggy offer also eligible.

Only one time Rs99 fee, no annual charges (some welcome offer also available 2000 reward points on Rs1500 spend.

Post in thread 'IDFC Firstap - The Mini DC'

Sep 5, 2024

Where in IDFC first tap?

What do you mean by where ?
I did a transaction of 1500 rs using idfc firstap and I got 2000 reward points as welcome benifits and 20 reward points as standerd reward rate

• JohnWick

• 

@lightwaves
@ujjwal2024

I applied and got a confirmation email also. When will the virtual card appear in the app?

 

[Abhishek012]

I applied and got a confirmation email also. When will the virtual card appear in the app?

Within 48hrs.

Update -

I just got this info - IDFC Wealth account holders are not receiving any rewards from the RuPay Sticker Firstap Platinum debit card.

Reason - In a Wealth account, rewards are only earned with the Wealth card.

In other regular savings accounts - both the Primary Visa/RuPay card + 2nd RuPay Sticker Firstap Platinum Debit Card will earn reward points.

This info is shared by one Wealth account holder; the rest of you can check it out for yourselves.

 

[BCh]

I've paid SBI bill in unipay (before log-in) using IDFC Debit card. After successful transaction (shown in a temp screen), the page never refreshed. Now money is debited from idfc account but not credited to sbi card. Already sent them a mail with bank statement. Have anyone faced this recently? thanks in advance.

 

[ujjwal2024]

I've paid SBI bill in unipay (before log-in) using IDFC Debit card. After successful transaction (shown in a temp screen), the page never refreshed. Now money is debited from idfc account but not credited to sbi card. Already sent them a mail with bank statement. Have anyone faced this recently? thanks in advance.

it seems SBI Unipay have become a cause of head-ache

 

[quino]

Reason - In a Wealth account, rewards are only earned with the Wealth card.

wrong. all debit cards are treated as wealth card for rewards purpose.

RuPay Sticker Firstap Platinum Debit Card will earn reward points.

RPs are determined based on MCC code, with IDFC the Amex Billdesk PG comes under excluded code.

Once the MCC code is eligible for RPs, the % will be determined based on account/card variant.

All of this is told to me by the head of their rewards team.

 

[lightwaves]

wrong. all debit cards are treated as wealth card for rewards purpose.

RPs are determined based on MCC code, with IDFC the Amex Billdesk PG comes under excluded code.

Once the MCC code is eligible for RPs, the % will be determined based on account/card variant.

All of this is told to me by the head of their rewards team.

So no rewards for paying Amex bills ?

 

[ujjwal2024]

So no rewards for paying Amex bills ?

sad...it is like t20 match...rewards and then no-rewards...

 

[Riya Sharma]

Indus + PayTM is still my preferred choice.

 

[BhaiyaJi]

Indus + PayTM is still my preferred choice.

Indus MasterCard or Visa Card?

 

[Riya Sharma]

Indus MasterCard or Visa Card?

Visa Exclusive .

 

[rockyBalboa]

I've paid SBI bill in unipay (before log-in) using IDFC Debit card. After successful transaction (shown in a temp screen), the page never refreshed. Now money is debited from idfc account but not credited to sbi card. Already sent them a mail with bank statement. Have anyone faced this recently? thanks in advance.

It has also happened with me in past. And manually refreshing the page had solved the issue.

 

[financewizard]

I need to pay ~2L CC Bill across 3 Credit Cards. Has anyone recently made CC bill payment through IDFC Wealth DC via SBI Unipay and got reward points? There are many posts saying ppl got Cash back and few saying that they have not received cashback. So a bit confused.