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/

 

[beast_boy]

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.

I hold Wealth account with IDFC but I am not receiving reward points for making LPG payments on Amazon on my account however On my Mother's account which is IDFC bank normal saving account with Signature DC and Rupay sticker DC, I get reward points with some misses which I have to bring to IDFC notice.

 

[knight]

I did multiple trxns yesterday using sbi unipay 1 Lakh+ and all went through in secs.

now regarding DC RP -

HDFC platinum DC - for one dc RP credited within 12 hrs but for another account platinum DC still RP not credited.
Indus Excl MC & Sign and Platinum - waiting for RP to get credited yet.
IDFC DC - waiting for RP to get credited yet.

any updates for the second card or any more payments?
I made a txn on SBI unipay 2-3 days ago.. no points yet..

 

[quino]

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.

i said what i said. i cant explain to ppl who dont understand IDFC's RP system & try to give unrelated half assed examples.

if u want to buy the card & try it on the amex website, knock yourself out.

 

[Abhishek012]

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

Look, with a normal IDFC savings account, you definitely get reward points with the RuPay sticker Firstap Platinum Debit Card; this is 100% confirmed.

Now, speaking about the wealth account - someone told me that he pays his utility bills every month using the Amazon-RuPay sticker Firstap Platinum Debit Card offer but has never received any reward points.

Then I sent him proof of the reward points.

After checking, he informed me that he has another IDFC account as well. He received reward points there, but in the wealth account, he didn’t receive any reward points using the RuPay sticker Firstap Platinum Debit Card in the wealth account.

If there are any other wealth account holders here, please check and let me know whether you receive rewards with the RuPay sticker Firstap Platinum Debit Card or not.

 

[sam1803]

Look, with a normal IDFC savings account, you definitely get reward points with the RuPay sticker Firstap Platinum Debit Card; this is 100% confirmed.

Now, speaking about the wealth account - someone told me that he pays his utility bills every month using the Amazon-RuPay sticker Firstap Platinum Debit Card offer but has never received any reward points.

Then I sent him proof of the reward points.

After checking, he informed me that he has another IDFC account as well. He received reward points there, but in the wealth account, he didn’t receive any reward points using the RuPay sticker Firstap Platinum Debit Card in the wealth account.

If there are any other wealth account holders here, please check and let me know whether you receive rewards with the RuPay sticker Firstap Platinum Debit Card or not.

Wealth customer here. I don't receive any reward points. No txn done through first tap sticker are present in the activity screen where we see the reward points.

Others can also update if they recieve the points.

 

[MJN]

Can someone one confirm if I pay my HDFC cc bill of Rs 50k in SBI Unipay using RBL Signature+ debit card and get Rs 500 RP?

 

[Abhishek012]

Can someone one confirm if I pay my HDFC cc bill of Rs 50k in SBI Unipay using RBL Signature+ debit card and get Rs 500 RP?

Yes, pay Credit card bill through SBI Unipay website, Canara Setu website, Airtel thanks app.

 

[pinki]

Dropping a cmnt again , coz TF has stopped sending notifications automatically 😒 dont know why

 

[BhaiyaJi]

Dropping a cmnt again , coz TF has stopped sending notifications automatically 😒 dont know why

Probably to prevent people from being silence observers and to keep them engaged.

 

[pinki]

Probably to prevent people from being silence observers and to keep them engaged.

Didn't liked though

 

[Vishal Gupta]

Just saw a statement on HDFC's website under Platinum DC-->
"Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same"

Does that mean there wont be any rewards even if paid via for e.g. sbi unipay like mentioned in this thread?

 

[cooldude2.0]

Jupiter giving 0.5% cashback upto Rs. 250 i.e. 1250 jewels.
However mentioned 1% cashback upto Rs. 250 i.e. 1250 jewels in their terms and conditions.

 

[Mritunjay]

Jupiter giving 0.5% cashback upto Rs. 250 i.e. 1250 jewels.
However mentioned 1% cashback upto Rs. 250 i.e. 1250 jewels in their terms and conditions.

on which app? and via upi or debit card?

 

[Abhishek012]

Just saw a statement on HDFC's website under Platinum DC-->
"Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same"

Does that mean there wont be any rewards even if paid via for e.g. sbi unipay like mentioned in this thread?

You will get 1% cashback upto 750 on CC bill payment through SBI unipay, Canara setu website and Airtel thanks app.

 

[secprashant]

Payment through Cred using FI UPI is not valid anymore. Fi money removed my cashback after month end.

 

[SmartyAadi]

Just saw a statement on HDFC's website under Platinum DC-->
"Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same"

Does that mean there wont be any rewards even if paid via for e.g. sbi unipay like mentioned in this thread?

That is for MCC of credit card payments.


SBI unipay and all others are still giving Utilties MCC for cc payments via their portals and therefore it should work

 

[Ishan250]

The initial post was useful but I am unable to go through so many comments.
Can someone please update on the latest status of these?

Like HDFC Millennia is no more working. I am not sure about others.

@sm9811911

 

[6ix9ine]

The initial post was useful but I am unable to go through so many comments.
Can someone please update on the latest status of these?

Like HDFC Millennia is no more working. I am not sure about others.

@sm9811911

Go through this post, and the one below it. You will understand everything:

Post in thread 'Anyone used HDFC Platinum DC on SBI Unipay after Aug 05th for CC payment'

Aug 31, 2024

leave the screenshot bro
i didnt get properly " i paid sbi axis and hdfc in the same order as ss "

r u saying you paid sbi, axis, hdfc cc bills using hdfc dc recently after aug 25th and received all cb
or any other meaning which I am missing kindly correct me?

Let me answer all of your queries along with your old posts.

If you have HDFC Platinum DC, then you can use it to pay CC bills of any banks except those which are not on BBPS.

Where to pay?
Answer: Platforms: SBI Unipay, Airtel thanks app & Atal setu (canara bank)

How to pay?
Answer: Just use any of the...

• 6ix9ine

• 
• 
• 

 

[CCsearcher]

What is the best way for clearing AMEX CC bills? I have used up HDFC DC 75K limit for other card bills. I am left with IndusInd Exclusive Visa and basic IDFC DC. Does wallet load give any rewards for this? I don't have a Rupay DC.

 

[lightwaves]

What is the best way for clearing AMEX CC bills? I have used up HDFC DC 75K limit for other card bills. I am left with IndusInd Exclusive Visa and basic IDFC DC. Does wallet load give any rewards for this? I don't have a Rupay DC.

Check this out:

Post in thread 'Latest working methods to pay credit card bill from debit cards'
https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-809975