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/

 

[SubhamS2611]

Any update ?
My amount got deducted on 1st october.
Neither bill got paid, nor it's returned to my bank account.

Was trying to pay axis credit card bill using the hdfc debit vard

Check bank application and transaction history. Have you received the hdfc 1% rewards points?

 

[SubhamS2611]

How's the Navi app? Is it invasive with request to all types of permissions like the Bajaj Finance app? Does it access your credit reports? What information is required for sign-up?

Sorry, it's too many questions.

You can use it. I am using it to pay upi transaction and everything things good. Yes ypu can check the credit report as well.

 

[JigmeKhesar]

You can use it. I am using it to pay upi transaction and everything things good. Yes ypu can check the credit report as well.

Thanks, but, I am asking if the app has intrusive permission requirements like access to my credit report among others.

I do not want another party accessing my credit report as I already use a CIBIL subscription.

 

[Animal]

Any update ?
My amount got deducted on 1st october.
Neither bill got paid, nor it's returned to my bank account.

Was trying to pay axis credit card bill using the hdfc debit vard

Mine was credited to credit card today.

 

[OptiCard]

Hey Guys,

This is the first time I am using SBIUnipay, generally, I used to use Canara Setu but somehow payments are failing.
I tried with SBI Unipay & succeeded the payments. The Merchant name coming as SBIUNIPAYDBCard --> hoping this is expected to get 1% cashback.

 

[NShah]

Hey Guys,

This is the first time I am using SBIUnipay, generally, I used to use Canara Setu but somehow payments are failing.
I tried with SBI Unipay & succeeded the payments. The Merchant name coming as SBIUNIPAYDBCard --> hoping this is expected to get 1% cashback.

💯. . .

 

[railsfanatics]

💯. . .

Yes. You should get cashback based on the card you have used.

 

[Pravin1156]

Hey Guys,

This is the first time I am using SBIUnipay, generally, I used to use Canara Setu but somehow payments are failing.
I tried with SBI Unipay & succeeded the payments. The Merchant name coming as SBIUNIPAYDBCard --> hoping this is expected to get 1% cashback.

@OptiCard Hi bro, Today SBI Unipay worked without any fail. If transaction is successful, how much amount did you pay. Why means I had CC due today. So tell me bro

 

[OptiCard]

@OptiCard Hi bro, Today SBI Unipay worked without any fail. If transaction is successful, how much amount did you pay. Why means I had CC due today. So tell me bro

For hsbc card it will take 4 days. For other cards it will be instant credit (hardly 15 seconds).

 

[Pravin1156]

For hsbc card it will take 4 days. For other cards it will be instant credit (hardly 15 seconds).

Bro, I am asking today SBI Unipay works fine or failure occurs. Please confirm

 

[newmakerhere]

Bro, I am asking today SBI Unipay works fine or failure occurs. Please confirm

I paid yesterday night after 10 PM. I paid 80000, 93000, and 10000 successfully.

 

[rockyBalboa]

Bro, I am asking today SBI Unipay works fine or failure occurs. Please confirm

Try with a small amount and check yourself. Nobody can give you that answer 100%. Sometimes 5 transactions are successful in a row and 6th one fails.

 

[Raghav2006]

Was paying my cc bill today and noticed Canara setu to show some different merchant name which stated Utility, so I cancelled the transaction and did on unipay.

I don't clearly remember merchant name, but I guess it was HDFC utility on canara setu.

 

[OptiCard]

Bro, I am asking today SBI Unipay works fine or failure occurs. Please confirm

Working fine. I already mentioned that transaction was successful.

 

[sarcasm99]

Last month I paid SC CC bill using mobikwik (even when other apps were showing unavailable) but now it's showing not supported... Any other app where it is still showing available or only directly though bank?

 

[sarcasm99]

Also, any dc giving rewards on bill desk website ? Also as mentioned in the thread summary I am not able to see option to pay through Amazon wallet, how to do it ?

 

[Pravin1156]

Last month I paid SC CC bill using mobikwik (even when other apps were showing unavailable) but now it's showing not supported... Any other app where it is still showing available or only directly though bank?

Recently, I paid SC CC bill through their mobile app only, No other platform accepting SC . Even we paid through mobikwik, Cheq or any other it will get refunded through same mode. So only option is SC Mobile app or their website

 

[Pravin1156]

Also, any dc giving rewards on bill desk website ? Also as mentioned in the thread summary I am not able to see option to pay through Amazon wallet, how to do it ?

SBI Debit giving rewards for payment through Billdesk

 

[sumit_yadav]

I paid 20k bill twice yesterday via Unipay and it failed both times and the money got deducted from HDFC. Today, I can the reward points for both transactions. Are they going to reverse the reward points when Unipay refunds for the failed transactions?

 

[6ix9ine]

I paid 20k bill twice yesterday via Unipay and it failed both times and the money got deducted from HDFC. Today, I can the reward points for both transactions. Are they going to reverse the reward points when Unipay refunds for the failed transactions?

No, most of the time they won’t reverse it. However, remember that this will count towards your monthly limit of 750 points.

Since you made two transactions of ₹20,000 each, totaling ₹40,000. For this, you will earn 400 points.

You are now left with 350 points.

For the rest of the month, any transaction above ₹35,000 will not earn you any points.