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Latest Working Methods to Pay Credit Card Bill from Debit Cards

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Sriim said:
Next time i suggest you do as whole numbers. 10k or 20k till 40k or 40k in one go and then pay the rest (this has worked for me 99% of the times)

It's 6/200 RPs after 40k, so even if they miss, it won't matter.

But till 40k, for example, if you first pay 11342 and then pay 7351, sometimes they take 11342 and give points for 5k, 10k and upto 20k slabs and then again give 5k and upto 10k slabs for 7351.
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Someone plz explain this again.. and also any one else tried his?
 
jeevanreddy58 said:
Someone plz explain this again.. and also any one else tried his?
Click to expand...
Indusind has tiered rewards system. And the tiers change at 5k,10k,20k and 40k. If bill payments are done as entire slabs (5/10k/20k/40k), they calculate currently. But if we do other amounts like 7320, for example, they calculate correctly for the first bill, but they mostly don't calculate correctly after that, it becomes unpredictable.

If you go through this thread, there'll many complaining about that. I was also confused in the beginning, but later found that if we do in rounded numbers as in their tiers , 99% of the time, they calculate correctly
 
Sriim said:
Indusind has tiered rewards system. And the tiers change at 5k,10k,20k and 40k. If bill payments are done as entire slabs (5/10k/20k/40k), they calculate currently. But if we do other amounts like 7320, for example, they calculate correctly for the first bill, but they mostly don't calculate correctly after that, it becomes unpredictable.

If you go through this thread, there'll many complaining about that. I was also confused in the beginning, but later found that if we do in rounded numbers as in their tiers , 99% of the time, they calculate correctly
Click to expand...
Very interesting.
Eg: if I have a single credit card bill of 26k. I will pay first 20k, then 5k, and then 1k. Correct?
 
vine said:
Very interesting.
Eg: if I have a single credit card bill of 26k. I will pay first 20k, then 5k, and then 1k. Correct?
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Actually if you have only one bill, it doesn't matter

But let's say if you have SBI bill of 26k and HDFC bill of 25k.

First do 20k SBI bill, then 20k HDFC bill and after 40k spends, it doesn't matter in which order you pay as it's the same reward rate after 40k

First tier is 5k, 2nd tier is 10k, 3rd tier is 20k and 4th tier is 40k. Whichever tier your bill is closest to, you have to use it and on the next bill, you have to pay till the next closest tier.

If you have a single bill of 40k and above, that's the best
 
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Sriim said:
Indusind has tiered rewards system. And the tiers change at 5k,10k,20k and 40k. If bill payments are done as entire slabs (5/10k/20k/40k), they calculate currently. But if we do other amounts like 7320, for example, they calculate correctly for the first bill, but they mostly don't calculate correctly after that, it becomes unpredictable.

If you go through this thread, there'll many complaining about that. I was also confused in the beginning, but later found that if we do in rounded numbers as in their tiers , 99% of the time, they calculate correctly
Click to expand...
This might not be the only reason for wrong RPs. I fought with Indusind and they shared reward points statement and their system literally missed some transactions for reward points credit. Even after sharing a comparison of account statement and points statement they gave stupid generic replies and in the end I was exhausted to go ahead further.

Might be a case for RBI complaint but the point is these were CC bill payments so I am unsure what if RBI asks for transaction details.
 
Sriim said:
Actually if you have only one bill, it doesn't matter

But let's say if you have SBI bill of 26k and HDFC bill of 25k.

First do 20k SBI bill, then 20k HDFC bill and after 40k spends, it doesn't matter in which order you pay as it's the same reward rate after 40k

First tier is 5k, 2nd tier is 10k, 3rd tier is 20k and 4th tier is 40k. Whichever tier your bill is closest to, you have to use it and on the next bill, you have to pay till the next closest tier.

If you have a single bill of 40k and above, that's the best
Click to expand...
Sorry I didn't get the point here. If I do 26k on SBI and 25k on HDFC then why won't it consider correctly. 40k slab is reached properly in this case as well right? Ir its that reaching the nearest slab to the exact number makes them credit points successfully?
 
shivamk said:
Sorry I didn't get the point here. If I do 26k on SBI and 25k on HDFC then why won't it consider correctly. 40k slab is reached properly in this case as well right? Ir its that reaching the nearest slab to the exact number makes them credit points successfully?
Click to expand...
I don't know what the issue is. Maybe the system is triggered correctly in case of rounded figures, but not when using random numbers.

I've been checking reward points for 8-9 months now.

In this example, When i paid 26k and then 25k, they credited both 26k and 25k in the same tiers -
For 26k they credited
50 for 5k
75 for 5-10k
200 for 10-20k
150 for 20-26k
And then for 25k instead of
350 for 26-40k
330 for 40-51k,
They again credited only
50 for 5k
75 for 5-10k
200 for 10-20k
125 for 20-25k

But when i have done last 2-3 months like 20k first, then 20k after 2 days and then the rest, I've got correct points.

PS - Its just my observation and has worked for me so far. Just sharing for the benefit of others. We're still talking about INDUSIND here, it might not work for everyone. Just try for yourselves.
 
Does anyone get cashback using Fi with Canara Setu, SBI Unipay, or Cred? I just tried with all three but didn’t get anything.
 
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