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/

 

[Sahil_07]

Hi all,I have paid cc bill payment from sbi unipay few times.Each time I have paid the full dues.
I want to know whether I can make part payment in SBI unipay. Or there will be higher chance of failure?

 

[6ix9ine]

Hi all,I have paid cc bill payment from sbi unipay few times.Each time I have paid the full dues.
I want to know whether I can make part payment in SBI unipay. Or there will be higher chance of failure?

No issues, you can do part payment. I have done it many times.

 

[Venky61]

Guys...
Stay away from the Canara Setu Portal. Horrible experience
I made a transaction on 27th Sep and the transaction failed but the money was deducted from my account. I raised a complaint on the transaction through the portal on 2nd Oct and till now there is no update. There is no customer contact number or mail ID for the BBPS portal. Canara Bank Customer Care is unaware of any such thing and can only help if I have a Canara bank account. I mailed 3-4 grievance addressing mail IDs, but till now no reply on that too. I'm stuck here and unable to figure out how to deal with this. I even raised a complaint on the BBPS portal but there was no resolution. Any help would be appreciated.

 

[6ix9ine]

Guys...
Stay away from the Canara Setu Portal. Horrible experience
I made a transaction on 27th Sep and the transaction failed but the money was deducted from my account. I raised a complaint on the transaction through the portal on 2nd Oct and till now there is no update. There is no customer contact number or mail ID for the BBPS portal. Canara Bank Customer Care is unaware of any such thing and can only help if I have a Canara bank account. I mailed 3-4 grievance addressing mail IDs, but till now no reply on that too. I'm stuck here and unable to figure out how to deal with this. I even raised a complaint on the BBPS portal but there was no resolution. Any help would be appreciated.

Talk to the BBPS linkedin support:

Bharat Connect | LinkedIn

Bharat Connect | 25,745 followers on LinkedIn. The first of its kind bill payment ecosystem in India is here to change the way bills are being paid. | Bharat Connect, formerly Bharat BillPay, is transforming bill payments and collections with secure, seamless solutions for consumers and...

www.linkedin.com

Give them your BBPS transaction ID, they reply there.

 

[Venky61]

Talk to the BBPS linkedin support:

Bharat Connect | LinkedIn

Bharat Connect | 25,745 followers on LinkedIn. The first of its kind bill payment ecosystem in India is here to change the way bills are being paid. | Bharat Connect, formerly Bharat BillPay, is transforming bill payments and collections with secure, seamless solutions for consumers and...

www.linkedin.com

Give them your BBPS transaction ID, they reply there.

Thanks for the suggestion, will try that

 

[sarcasm99]

Just wanted to update someone was asking for RP through indusind select dc via SBI unipay ... Got RP for transactions between 9-12 October today .... And I think it's may be more than 1% ... As total transaction amount is about 60-62k and received 2314 points worth ₹810 i guess

 

[financewizard]

Hi, just wanted to check if IDFC First tap DC will earn RP for Amex Bill payment via Amex site or Cred. I hold IDFC Wealth Account and First Tap is linked to it.

 

[VikasBhindwar]

Can anyone confirm if Indus Visa Exclusive gives reward points on Canara Setu?

So much discussion in back thread that I forget if it's giving or not.

 

[InsaneYuvi]

Thanks for quick inputs.

in how many days did the amount reflect on your credit card ?

 

[Buttman]

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.

Also i was going through the thread but couldn’t find the answer.
My debit card is due for renewal in November and I’m opting for a visa this time instead of mc
So now that ive paid the 20kx10 times bill for 5x points. Should i close my current mc dc and get the visa variant? Is that going to impact my 5x points which I’m going to receive?

 

[6ix9ine]

Also i was going through the thread but couldn’t find the answer.
My debit card is due for renewal in November and I’m opting for a visa this time instead of mc
So now that ive paid the 20kx10 times bill for 5x points. Should i close my current mc dc and get the visa variant? Is that going to impact my 5x points which I’m going to receive?

Have you already received 1x base point? If yes, then go ahead. Your part is done on your end, it's time for SBI.

 

[Buttman]

Have you already received 1x base point? If yes, then go ahead. Your part is done on your end, it's time for SBI.

I have received the 1x points.
Will go ahead with the change of variant then.
Thanks again brother. Cheers

 

[DealHunter786]

Does IDFC debit card still earn reward points on SBI UniPay?

 

[Dreamer]

Does IDFC debit card still earn reward points on SBI UniPay?

Yes it does.

 

[Buttman]

Yes . .

Received 110 points on payment of 11k on rewards portal via Virtual dc. That’s equivalent to .25% only right?
When will the balance 2x be credited?
Also can we take advantage of the ongoing 5x offer and loot 5x on both dcs? Each card will have a separate 10k threshold or it’s restricted to 10k per account?

 

[6ix9ine]

Received 110 points on payment of 11k on rewards portal via Virtual dc. That’s equivalent to .25% only right?

Yes

When will the balance 2x be credited?

Generally it's instant, else it gets delayed and will be credited by the month's end.

Also can we take advantage of the ongoing 5x offer and loot 5x on both dcs?

Nope, 10k is combined limit.

Each card will have a separate 10k threshold or it’s restricted to 10k per account?

Same as above answer.

 

[Larry2001]

can I use my other family IDFC debit card to pay my cc bill on SBI unipay? I have a visa plat of IDFC FIRST BANK ( bin: 401138 ) will this attract point?
I have a 46k cc bill

 

[#aniket]

can I use my other family IDFC debit card to pay my cc bill on SBI unipay?

Y e s

I have a visa plat of IDFC FIRST BANK ( bin: 401138 ) will this attract point?
I have a 46k cc bill

Y e s

 

[abhiram3443]

Credit card bill payment of SBI got failed on Airtel using IndusInd Select Signature debit card…..Anyone else faced issues on Airtel for Credit card bill payment or using IndusInd debit cards on airtel?

 

[Buttman]

Try unipay. Has been great in my experience