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Latest working methods to pay credit card bill from debit cards

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sm9811911

sm9811911

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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/
 

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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.
Click to expand...
Someone plz explain this again.. and also any one else tried his?
 
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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
 
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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...
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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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?
Click to expand...
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
 
Last edited:
Upvote 0 Downvote
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.
 
Upvote 0 Downvote
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?
 
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