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 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/

 

[devsfinance]

Is there a way to pay before bill generation? Closed an EMI so have to pay before bill generation.

 

[6ix9ine]

Is there a way to pay before bill generation? Closed an EMI so have to pay before bill generation.

Cred might work, since they use NEFT.

Albeit, you won't earn any points.

 

[sumit_yadav]

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.

Thanks for the Insight! I don't have any more credit card bills to pay for the month 🙂
Using Unipay is advantageous when transaction fails in a way. You get 750 extra points for the hassle of waiting for the refund of failed bill payments.

 

[6ix9ine]

Thanks for the Insight! I don't have any more credit card bills to pay for the month 🙂
Using Unipay is advantageous when transaction fails in a way. You get 750 extra points for the hassle of waiting for the refund of failed bill payments.

It is scary as well, no dedicated customer support whatsoever. We have to escalate it through other channels.

 

[GTSaketh]

It is scary as well, no dedicated customer support whatsoever. We have to escalate it through other channels.

You mean for unipay?

Also does unipay allow custom amount to be paid before bill generation?

 

[6ix9ine]

You mean for unipay?

Yes

Also does unipay allow custom amount to be paid before bill generation?

This depends on bank, not portals.

For example, SBI allows you to edit the amount and you can pay it multiple times without any issues.

However, HDFC doesn't let you pay any excess amount.

You can edit the amount in all the websites, but you cannot pay it multiple times. There are only few exceptions.

 

[GTSaketh]

Yes

This depends on bank, not portals.

For example, SBI allows you to edit the amount and you can pay it multiple times without any issues.

However, HDFC doesn't let you pay any excess amount.

You can edit the amount in all the websites, but you cannot pay it multiple times. There are only few exceptions.

What about axis?

 

[6ix9ine]

What about axis?

Not sure, I never had to pay it twice, thanks to good CL

 

[S.B.N.B]

Virtual card number will generate within 48hrs (this is 2nd debit card, you can use both the card simultaneously Primary Visa/RuPay + RuPay Firstap Sticker Platinum DC).

IDFC Firstap Sticker Debit card is also RuPay Platinum Debit card.

You will get 20% upto 100 off per month on mobile recharge/Utility bill payment on Amazon per month (only on fridays), max 20% upto 100 off once per month.

Also swiggy offer 20% upto 100 off per month (only on fridays), Apply the code: RUPAY100.

IDFC Bank RuPay Firstap Sticker 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%

I have normal idfc dc and have idfc tap too.. i will get rewrd points in both card? I was using only physical card for 1.6L payment to get 8k points.. so if i use both card i will get 16k points?

 

[Abhishek012]

I have normal idfc dc and have idfc tap too.. i will get rewrd points in both card? I was using only physical card for 1.6L payment to get 8k points.. so if i use both card i will get 16k points?

Yes and No. 🤣🤣

Both card combined max 8k points.

 

[GTSaketh]

Not sure, I never had to pay it twice, thanks to good CL

it doesn't let me enter amount more than my last bill in unipay

 

[6ix9ine]

it doesn't let me enter amount more than my last bill in unipay

Here you go, axis is another type then

 

[TechnoFi]

My sbi unipay payment failed, amount is deducted and there's no transaction history
What to do?

In future, you may try canara setu if you want to see your transaction history for future credit card bill payments.

 

[JigmeKhesar]

it doesn't let me enter amount more than my last bill in unipay

it was the same with other issuers for my cards. this is a bill payment platform feature.

 

[pinki]

Surplus of dc offers are available this month for cc bill payments.

Iykyk 😉

 

[SureShot]

Surplus of dc offers are available this month for cc bill payments.

Iykyk 😉

Unless they have mood swings and change their minds 😝

 

[Rohith_Kumar_Sp]

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

Failed 3 times got refund 2 times, 1 more no transaction history, email not responding, still waiting.

 

[newinnov]

"Use Bill desk QR code to pay cc bill from amazon wallet"
How does this work? Or is it still working? Have both amazon balance and gift card balance to spare...

 

[faltooAdmi]

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

Money is debited from my bank account. I can see that in my bank statement.

I am not sure about the 1% as I paid again using SBI unipay which was successful txn.

 

[MavericK279]

In future, you may try canara setu if you want to see your transaction history for future credit card bill payments.

Failed 3 times got refund 2 times, 1 more no transaction history, email not responding, still waiting.

If you want to view transaction history on Unipay, follow the below steps:

Click on 3 lines top right corner of SBI Unipay website and then customer support.
Enter the mobile number you give for communication and you will see all the transactions and their status during last 6 months, you can also submit a complaint from there which generally gets a revert back from their support team.