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/

 

[pinki]

Yes, and even that will stop from 1st Nov as the Platinum Select card is being removed from the IndusRewards programme. I just applied for the card 2 days back. 🙂
At least, I'll earn that 700 cashback for this month.

Get select visa signature or select mc world dc

 

[tekina]

Get select visa signature or select mc world dc

Already have Select Visa Signature, unable to get the option to apply for mc world in app. Do you know of the correct way/any other way?

 

[pinki]

Already have Select Visa Signature, unable to get the option to apply for mc world in app. Do you know of the correct way/any other way?

No .
Cs may help

 

[beast_boy]

Paytm. Unipay. Read wiki please. It is updated.

U are talking abt platinum right?

Yes, and even that will stop from 1st Nov as the Platinum Select card is being removed from the IndusRewards programme. I just applied for the card 2 days back. 🙂
At least, I'll earn that 700 cashback for this month.

Guys will paying CC Bills on Unipay or other places fetch bonus reward points under the Indusind Festive Offer ?

 

[pinki]

Guys will paying CC Bills on Unipay or other places fetch bonus reward points under the Indusind Festive Offer ?

Should fetch .
I m also in line and paying cc bills in hope 🤣😅

 

[VISHESH_BANSAL]

View attachment 72096

CSb rupay me bhi yhi merchant name rhta hai kya sir 😅😂
Raz*Amica Financial TeMumbai
@VISHESH_BANSAL

Same 2 Same

 

[EnthuCC]

You are being sarcastic or serious??

Why does it sound sarcastic?
It was my genuine recommendation.

 

[sm9811911]

@sm9811911 Please update the post. as the Indus 5x reward structure, you need to spend 95000 to get the 2000 reward points, not 79.3k

Yes that's how it happened practically. Used to get 2k points on 79.3k itself.
I have not used indus in last 5-6 months. So don't know if this is still valid. Try it and let me know.

 

[Abhigyan kumar]

Why does it sound sarcastic?
It was my genuine recommendation.

Can I open select account variant online?

 

[Moin]

Paid 45000 to HDFC CC via canara setu today, transaction was successfull, but no confirmation from bank nor the payment is reflecting in card

Generally how long will canara setup take to settle the transaction?

Will be deposited to the card or will it be refunded? If yes, how long will it take for the refund?

 

[Deepak_Shetty]

Paid 45000 to HDFC CC via canara setu today, transaction was successfull, but no confirmation from bank nor the payment is reflecting in card

Generally how long will canara setup take to settle the transaction?

Will be deposited to the card or will it be refunded? If yes, how long will it take for the refund?

Most of the time settlement will be instant but some time it may make some time. Check tomorrow morning, it will be updated then.

 

[OptiCard]

Paid 45000 to HDFC CC via canara setu today, transaction was successfull, but no confirmation from bank nor the payment is reflecting in card

Generally how long will canara setup take to settle the transaction?

Will be deposited to the card or will it be refunded? If yes, how long will it take for the refund?

BBPS is used to credit immediately. Wait for 2-3 days I guess your money will be refunded.

Are you getting points with Canara Setu ??

 

[Moin]

BBPS is used to credit immediately. Wait for 2-3 days I guess your money will be refunded.

Are you getting points with Canara Setu ??

Tried for first time and this happened.

Most of the settlement will be instant but some time it may make some time. Check tomorrow morning, it will be updated then.

Ok thanks for reply

 

[OptiCard]

Tried for first time and this happened.


Ok thanks for reply

This is the 1st time I didn't get the points. 1 more guy reported the same.

So if you get the refund then try with SBI Unipay.

 

[aam.aadmi]

Paid HDFC CC bill on Sunday through SBI Unipay using HDFC Platinum DC. 1% CB received today

 

[EnthuCC]

Can I open select account variant online?

I suppose yes.

Select is just banking program not account variant. Your account variant would be based on MAB.

You can apply for account online and then contact bank to upgrade your account when you deposit funds.

 

[mgforce]

Folks, for me SBI Unipay was acting weird today, too slow now and then.

So tried Canara Setu for CC Pymt.

The merchant name post in money deduction SMS with HDFC Debit Card same as "THE CANARA BANK LIMITE"

Will this fetch points? I read that merchant name should be "CCAVENU..." ?

 

[mgforce]

Paid 45000 to HDFC CC via canara setu today, transaction was successfull, but no confirmation from bank nor the payment is reflecting in card

Generally how long will canara setup take to settle the transaction?

Will be deposited to the card or will it be refunded? If yes, how long will it take for the refund?

For me, the payment to HDFC CC was instant via Canara Setu, just tried few mins back

 

[IKFLRT]

Folks, for me SBI Unipay was acting weird today, too slow now and then.

So tried Canara Setu for CC Pymt.

The merchant name post in money deduction SMS with HDFC Debit Card same as "THE CANARA BANK LIMITE"

Will this fetch points? I read that merchant name should be "CCAVENU..." ?

it'll fetch points

 

[OptiCard]

Folks, for me SBI Unipay was acting weird today, too slow now and then.

So tried Canara Setu for CC Pymt.

The merchant name post in money deduction SMS with HDFC Debit Card same as "THE CANARA BANK LIMITE"

Will this fetch points? I read that merchant name should be "CCAVENU..." ?

Can you confirm what name you're seeing in otp message?