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/

 

[harsh1387]

Is sbi unipay site down?
It's not going to next page when I fill in the details.

 

[SuperKnight]

Is sbi unipay site down?
It's not going to next page when I fill in the details.

apparently some issues, not going to next page for any card

 

[Sahil_07]

Is sbi unipay site down?
It's not going to next page when I fill in the details.

Following . .

 

[sam1803]

Is sbi unipay site down?
It's not going to next page when I fill in the details.

Not working. It's not loading the details after punching card number.

 

[sam1803]

Even Canara seems down now. Just did 5 txns earlier all went fine but now all txns getting failed and money is not getting debited.

 

[the_collector]

Avoid using unipay today atleast , my transaction failed of 83k. Got debited from my account and now I have to wait for a long time for the refund

 

[GGGGGG]

I received a total of ~30,000 points on my IDFC Wealth Debit Card in October 2024 for paying credit card bills via SBIUNIPAY. The bills paid were for Axis, Yes Bank, BoB, ICICI, and HSBC cards. I paid the Amex bill separately through net banking. All the transactions were successful at first go.

 

[Deepak_Shetty]

Amazon -> Amazon Pay -> Amazon Pay Balance -> Wallet

Also please complete full kyc

Amazon wallet balance (not gift card balance) can be transferred to bank account by Amazon wallet UPI. What's the necessity to use those balance for credit card payment?

 

[Pravin1156]

Today noon SBI Unipay works fine. I paid almost 2.4lakhs. it went through successfull

 

[sahil1033]

Quick help guys, I used to pay credit card bill from IDFC First Bank Wealth debit card via Jio Finance but they've removed the option.

I know there's SBI Unipay which works but I've used it once and it was a nightmare for me to get refund and that I got via chargeback. Any other portal which will give reward points for paying CC bill via IDFC First Bank Wealth DC apart from SBI Unipay?

Also, just in case, if I've to pay via SBI Unipay, what's the way to have a track of Transaction History and avoiding transaction failure? The first and last time I had used SBI Unipay, the transaction failed and it wasn't even captured in Transaction History, so, it was a total chaos as I didn't have any proof of transaction for refund and they didn't refund the money, it was HDFC Bank which after a lot of follow up did the refund after applying for chargeback.

 

[Sobirvs]

Quick help guys, I used to pay credit card bill from IDFC First Bank Wealth debit card via Jio Finance but they've removed the option.

I know there's SBI Unipay which works but I've used it once and it was a nightmare for me to get refund and that I got via chargeback. Any other portal which will give reward points for paying CC bill via IDFC First Bank Wealth DC apart from SBI Unipay?

Also, just in case, if I've to pay via SBI Unipay, what's the way to have a track of Transaction History and avoiding transaction failure? The first and last time I had used SBI Unipay, the transaction failed and it wasn't even captured in Transaction History, so, it was a total chaos as I didn't have any proof of transaction for refund and they didn't refund the money, it was HDFC Bank which after a lot of follow up did the refund after applying for chargeback.

I used unipay via idfc debit card on 22nd oct, worked fine for 4-5 cc payments amounting to around 70k.

 

[drmsiva]

I paid IDFC and Indusind CCs via SBI Unipay with HDFC debit card just now- both the transactions went through without any issues and the money was credited instantly in the card accounts.

Have to wait and see regarding the points from HDFC.

 

[Sahil_07]

Quick help guys, I used to pay credit card bill from IDFC First Bank Wealth debit card via Jio Finance but they've removed the option.

I know there's SBI Unipay which works but I've used it once and it was a nightmare for me to get refund and that I got via chargeback. Any other portal which will give reward points for paying CC bill via IDFC First Bank Wealth DC apart from SBI Unipay?

Also, just in case, if I've to pay via SBI Unipay, what's the way to have a track of Transaction History and avoiding transaction failure? The first and last time I had used SBI Unipay, the transaction failed and it wasn't even captured in Transaction History, so, it was a total chaos as I didn't have any proof of transaction for refund and they didn't refund the money, it was HDFC Bank which after a lot of follow up did the refund after applying for chargeback.

Airtel thanks app

 

[sahil1033]

Airtel thanks app

CC bill payment via Airtel app through IDFC First Bank DCs gives RPs for sure, right?

 

[Ravana_88]

I paid IDFC and Indusind CCs via SBI Unipay with HDFC debit card just now- both the transactions went through without any issues and the money was credited instantly in the card accounts.

Have to wait and see regarding the points from HDFC.

Tried paying my HDFC credit card bill via Indusind exclusive debit card on unipay . Transaction failed . Hopefully money was not deducted . Somehow I feel there is some problem with Indusind card .

 

[sahil1033]

Quick help guys, I used to pay credit card bill from IDFC First Bank Wealth debit card via Jio Finance but they've removed the option.

I know there's SBI Unipay which works but I've used it once and it was a nightmare for me to get refund and that I got via chargeback. Any other portal which will give reward points for paying CC bill via IDFC First Bank Wealth DC apart from SBI Unipay?

Also, just in case, if I've to pay via SBI Unipay, what's the way to have a track of Transaction History and avoiding transaction failure? The first and last time I had used SBI Unipay, the transaction failed and it wasn't even captured in Transaction History, so, it was a total chaos as I didn't have any proof of transaction for refund and they didn't refund the money, it was HDFC Bank which after a lot of follow up did the refund after applying for chargeback.

I did total of 9 transactions on SBI Unipay through IDFC First Bank Wealth DC, all went through but for ICICI Bank CC, it failed twice, no amount was deducted ... tried paying via Airtel app, failed again and the amount was deducted this time.

Any idea what could be the reason?

P.S. I did check available credit limit and the amount I'm trying to pay and the bill amount won't exceed the total credit limit.

 

[Anki0707]

Hi guys I am planning to do a cc payment of 107000 through Idfc select dc, how many points can I expect?? Is it better to use or should I use hdfc platinum dc??

 

[sm9811911]

Hi guys I am planning to do a cc payment of 107000 through Idfc select dc, how many points can I expect?? Is it better to use or should I use hdfc platinum dc??

Use idfc select instead of hdfc plat, will be worth it

 

[Anki0707]

Use idfc select instead of hdfc plat, will be worth it

Any idea on the expected reward points? Just asking to make sure once they are credited I know that no points have been missed and in case there is a mismatch I can reach out to the support team. Thanks in advance for your inputs.

 

[GGGGGG]

Any idea on the expected reward points? Just asking to make sure once they are credited I know that no points have been missed and in case there is a mismatch I can reach out to the support team. Thanks in advance for your inputs.

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