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/

 

[leeflo05]

don't you have rbl?

is it worth to get the card after devaluation?

 

[dealminer]

is it worth to get the card after devaluation?

Idk if still has apay voucher for the new members, and your bill exceeds the DC you have rn, why not.
Not sure of it, do check

 

[dealminer]

Na thinking of opening one.

That's the reason you're having pity at rbl 😂

Damn people really are looting small banks like RBL

 

[sam1803]

Update on SBI CC Bill Payment on Unipay, Canara Setu and Airtel through Debits cards ( Tried Indus visa & master, HDFC platinum visa & SBI Rupay physical DC ) :

SBI CC payments done through these portals are getting Hit or miss. Sometimes bill payments are getting successful and sometimes after deducting from DC, payments are failing. In case of failure, Unipay giving multiple error - Payment failed, Session expired or simply blank infinite loading page with no details. Canara Setu is stuck on processing page while SMS comes that your bill payment is failed and Airtel simply display and sends SMS of payment failed.

Tried small amount like 20K, 25K and also big amount like 87K on these platforms and got SBI CC payments failed. Also, other times got few transactions succeed for SBI. Other banks payment is going fine through BBPS from these portals.

My Advice : If you’re doing payments of SBI CC then do in small amounts or avoid using these platforms until SBI fix this issue ( Yes, issue is between BBPS and SBI ) as Mainstream platforms like Paytm will process refund faster in case of failure than these sites and have much better support.

Avoid doing payments in the late evenings. I faced timed out issue while fetching SBI credit card details in all the platforms and one time when it fetched successfully the payment got stuck. I will suggest try in the daytime only.

 

[SonyTom]

Update on SBI CC Bill Payment on Unipay, Canara Setu and Airtel through Debits cards ( Tried Indus visa & master, HDFC platinum visa & SBI Rupay physical DC ) :

SBI CC payments done through these portals are getting Hit or miss. Sometimes bill payments are getting successful and sometimes after deducting from DC, payments are failing. In case of failure, Unipay giving multiple error - Payment failed, Session expired or simply blank infinite loading page with no details. Canara Setu is stuck on processing page while SMS comes that your bill payment is failed and Airtel simply display and sends SMS of payment failed.

Tried small amount like 20K, 25K and also big amount like 87K on these platforms and got SBI CC payments failed. Also, other times got few transactions succeed for SBI. Other banks payment is going fine through BBPS from these portals.

My Advice : If you’re doing payments of SBI CC then do in small amounts or avoid using these platforms until SBI fix this issue ( Yes, issue is between BBPS and SBI ) as Mainstream platforms like Paytm will process refund faster in case of failure than these sites and have much better support.

Dont login to unipay. Use quick pay

 

[Ram1]

Update on SBI CC Bill Payment on Unipay, Canara Setu and Airtel through Debits cards ( Tried Indus visa & master, HDFC platinum visa & SBI Rupay physical DC ) :

SBI CC payments done through these portals are getting Hit or miss. Sometimes bill payments are getting successful and sometimes after deducting from DC, payments are failing. In case of failure, Unipay giving multiple error - Payment failed, Session expired or simply blank infinite loading page with no details. Canara Setu is stuck on processing page while SMS comes that your bill payment is failed and Airtel simply display and sends SMS of payment failed.

Tried small amount like 20K, 25K and also big amount like 87K on these platforms and got SBI CC payments failed. Also, other times got few transactions succeed for SBI. Other banks payment is going fine through BBPS from these portals.

My Advice : If you’re doing payments of SBI CC then do in small amounts or avoid using these platforms until SBI fix this issue ( Yes, issue is between BBPS and SBI ) as Mainstream platforms like Paytm will process refund faster in case of failure than these sites and have much better support.

I did 60k 50k payments just a week back on airtel, unipay respectively

 

[mgforce]

aaa

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..." ?

Me & 1 more guy didn't receive the points this month for Canara Setu Payments.

I suggest you to use SBI Unipay or Airtel for now.

I got the cashback for Canara Setu - transaction done on 15 Oct

 

[Haveli69]

Dont login to unipay. Use quick pay

I don’t login for any CC bill payments on Unipay and use Quick pay only as transactions mapped under the mobile number asked during bill fetch but this is common error happening for SBI CC that I pointed out.

 

[Haveli69]

I did 60k 50k payments just a week back on airtel, unipay respectively

As I said not all transactions are failing but I tried multiple times in last few days and got sometimes success and other times failed.

 

[rakhi]

Today I paid my flipkart axis card bill in Airtel app transaction success but not reflect to my card how much tim it takes anyone tel me

 

[Sahil_07]

Today I paid my flipkart axis card bill in Airtel app transaction success but not reflect to my card how much tim it takes anyone tel me

. . .

 

[Anindya98]

Today I paid my flipkart axis card bill in Airtel app transaction success but not reflect to my card how much tim it takes anyone tel me

It will reflect after 1 - 2 days. Don't worry. Check your Axis App already; your limit has increased.

 

[Aayush Rajaji]

Can anyone help i have federal bank one card how to pay its bill

 

[bran_the_shipwright]

It will reflect after 1 - 2 days. Don't worry. Check your Axis App already; your limit has increased.

I paid for Airtel axis card using Airtel thanks app, it was successful but it has not reflected in axis app, the credit limit is same, this is the first time I’m using Airtel thanks for cc payment. It’s been 1 hour and I’m panicking. Why does bbps need this much time for settlement?

 

[Sahil_07]

I paid for Airtel axis card using Airtel thanks app, it was successful but it has not reflected in axis app, the credit limit is same, this is the first time I’m using Airtel thanks for cc payment. It’s been 1 hour and I’m panicking. Why does bbps need this much time for settlement?

You can do nothing except waiting at least for 3 days

 

[rakhi]

It will reflect after 1 - 2 days. Don't worry. Check your Axis App already; your limit has increased.

Already checked limit not increased

 

[Anindya98]

I paid for Airtel axis card using Airtel thanks app, it was successful but it has not reflected in axis app, the credit limit is same, this is the first time I’m using Airtel thanks for cc payment. It’s been 1 hour and I’m panicking. Why does bbps need this much time for settlement?

I use Airtel thanks it takes around 24 -36 Hrs for Axis Cards.

 

[bran_the_shipwright]

I use Airtel thanks it takes around 24 -36 Hrs for Axis Cards.

That gives some reassurance. Even the credit limit increases after 24-36 hours right and not immediately?

 

[bran_the_shipwright]

You can do nothing except waiting at least for 3 days

What was your experience? How much did it take in your case for settlement?

 

[Anindya98]

That gives some reassurance. Even the credit limit increases after 24-36 hours right and not immediately?

Generally Credit Limit increases instantly. But don't worry sometimes it takes time.