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/

 

[Abhishek012]

But 0.5% in virtual and 0.25 in physical right?

Yes . .

 

[EnthuCC]

Should I get normal idfc account with 10000 mab? Rbl branch is not located in my city

Yes, you will be pleased with their baking experience. Their debit cards are good too.
If you wish to get an account then you can click on referral link in my profile signature.

 

[GShan]

Should I get normal idfc account with 10000 mab? Rbl branch is not located in my city

You can open rbl account online. Just wait for KYC to be updated before using the dc for 1 Lakh. However, IDFC wealth/private dc will be good for you.

 

[atuljjj]

Yes you can

I didn't get 1 percent cashback on payment of HDFC cc using canara setu and HDFC platinum dc

 

[Abhigyan kumar]

You can open rbl account online. Just wait for KYC to be updated before using the dc for 1 Lakh. However, IDFC wealth/private dc will be good for you.

Idfc branch is also not located in my city. Can I open select account online?

 

[6ix9ine]

I didn't get 1 percent cashback on payment of HDFC cc using canara setu and HDFC platinum dc

When did you made payment?

 

[Abhigyan kumar]

Yes, you will be pleased with their baking experience. Their debit cards are good too.
If you wish to get an account then you can click on referral link in my profile signature.

You are being sarcastic or serious??

 

[Abhigyan kumar]

I didn't get 1 percent cashback on payment of HDFC cc using canara setu and HDFC platinum dc

Date of transaction?

 

[Abhigyan kumar]

You can open rbl account online. Just wait for KYC to be updated before using the dc for 1 Lakh. However, IDFC wealth/private dc will be good for you.

But rbl joining fees are absurd

 

[atuljjj]

Date of transaction?

1st October 2024

 

[atuljjj]

When did you made payment?

1st October 2024

 

[Abhigyan kumar]

1st October 2024

I did transaction on 6th and got the point in 8. What is the merchant name?

 

[Rishabh002]

Thanks. Paid using Airtel app via my HSBC debit card. It gives 5% unlimited cashback. I will update if this transaction gets 5% cashback too.

did anyone tried paying the credit card bill with SBI unipay using HSBC debit card and received 5% cashback?
For airtel thanks app did you received the received 5% cashback Using HSBC debit card ? Can anyone please confirm which one given you the confirmed cashback?

 

[Enthusiast]

Need a suggestion
I have currently 4 hdfc platinum dc under preferred banking can open 1 more. It's not sufficient for me what should I do. Should I open account in idfc or indusind? Or should I not since idfc has restricted users on getting reward points.
What should I do?

I am also having a preferred account in HDFC but only one Platinum DC...
How to apply for another debit card?

 

[atuljjj]

I did transaction on 6th and got the point in 8. What is the merchant name?

 

[6ix9ine]

View attachment 72067

Merchant is absolutely correct.

Seems like a issue on your calculation or you hit the monthly limit.

 

[OptiCard]

1st October 2024

It's the same issue for me buddy. I also haven't received points yet for Canara Setu payments.

 

[gamersgzb]

Yes, HDFC Platinum debit card 1% upto 750 cashback per month.

SBI unipay - https://customer.sbiunipay.sbi/CustomerPortal/quickPay

Canara Setu website - https://billpe.setu.co/1428576343393568731/billers/Credit-Card

Airtel thanks app

Navi app.

Thanks three words

 

[Abhigyan kumar]

I am also having a preferred account in HDFC but only one Platinum DC...
How to apply for another debit card?

Link family account

 

[psk3005]

@Namesake @psk3005 did you tried paying the credit card bill with SBI unipay using HSBC debit card and received 5% cashback?
For airtel thanks app did you received the received 5% cashback Using HSBC debit card ? Can you please confirm which one given you the confirmed cashback?
Thanks in advance!!

By the time I came to know about getting cashback by paying cc bills through sbi unipay, I assumed the hsbc dc offer was over.
So till now i have always used hdfc platinum dc to pay via sbi uni pay and have received 1% upto 750 pm.
But Since, now I have come to know about the hsbc offer getting extended, i will try again., but the cashback posting time is too much so will come to know only after 2 months, I have a payment coming up at end of this month and will track it and let you know.

The strategy I will try to use is the combination of follows :
1) pay from sbi uni pay using platinum dc for 1% - keep using this till you reach 750 pm
2) pay the remaining cc bills of the month using hsbc dc - keep note of the transaction and track the cb status, if we get it then there is no upper cap and offer is valid till 31st Jan then you instead of other modes we can just use hsbc dc 🙂 , but remember this offer is only for salary account holders and min transaction of 1k.
2) pay using sbi unipay through sbi dc - physical card and rupay virtual for 2x - there is new oct offer going as well, refer to this thread, i guess this offer is for oct month.

So you can use a combination of these and plan your cc bill payment accordingly.