• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Latest working methods to pay credit card bill from debit cards

Apply For Lifetime Free IDFC First Credit Card
sm9811911

sm9811911

TF Legend
RML Group
VIP Lounge
Verified User
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/
 

Attachments

Last edited:
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
The problems I have faced with sbi unipay-
I have paid almost 10 lakh cc bill through it using my hdfc platinum dc but not a single time my money has been debited and showed transaction failure. But what I have faced is I made the payment it showed successful paid. Money also get credited in my cc. Then after some time I open sbi unipay it shows transaction failure on that particular transaction. Show I searched about this and found out a guy in the reddit for which he has been also facing this same problem. But in his case the transaction that got debited from his account got reversed in 4 days but his cc transaction was not reversed and then after more 10 days his account got debited again for the same amount. So I think better to use Navi app for bill payment as it has a better support team unlike sbi unipay (do not have any support team)
 
Upvote 0 Downvote
Abhigyan kumar said:
The problems I have faced with sbi unipay-
I have paid almost 10 lakh cc bill through it using my hdfc platinum dc but not a single time my money has been debited and showed transaction failure. But what I have faced is I made the payment it showed successful paid. Money also get credited in my cc. Then after some time I open sbi unipay it shows transaction failure on that particular transaction. Show I searched about this and found out a guy in the reddit for which he has been also facing this same problem. But in his case the transaction that got debited from his account got reversed in 4 days but his cc transaction was not reversed and then after more 10 days his account got debited again for the same amount. So I think better to use Navi app for bill payment as it has a better support team unlike sbi unipay (do not have any support team)
Click to expand...
That would be me. Payment says successful but transaction would be failed. You'll get 2 pages after paying in sbi unipay.
 
Upvote -1 Downvote
tbharech said:
Made 2 payments via HDFC DC earlier today on Unipay for a total amount of 50k and they were successful
Click to expand...
Please update when you receive the cashback and how much you receive. I did two transactions on 28th Oct and the cashback that I received is not 1% of the either of the transaction. I am waiting for couple of more days to see if it gets updated.
 
Upvote 0 Downvote
Rohith_Kumar_Sp said:
That would be me. Payment says successful but transaction would be failed. You'll get 2 pages after paying in sbi unipay.
Click to expand...
I am also having a similar issue, I paid BOB bills for 2 cards for both, and the card transaction is now showing as failed in SBIUni portal but for one card account, the amount got credited and for another, it is neither credited to the card account nor refund received.

Transaction date: 10/30
when I try to raise a complaint in the SBIUNI portal, it keeps on failing
 
Upvote 0 Downvote
love4cards said:
Please update when you receive the cashback and how much you receive. I did two transactions on 28th Oct and the cashback that I received is not 1% of the either of the transaction. I am waiting for couple of more days to see if it gets updated.
Click to expand...
I had made a few payments summing up to 13k on 1st November for which I have already received the HDFC DC rewards. Hopefully the rewards for the remaining 50k should come in a few days.
 
Upvote 0 Downvote
Abhigyan kumar said:
Wanted to inform you all
I paid my credit card early payment of axis Bank through axis Bank mobile banking using my hdfc platinum debit card. They use freecharge payment gateway. Yes I got the cashback points for it. You will get the merchant name as POSxxxxxxxxxxx freecharge payment tec
Click to expand...
Wait, for real? If that's the case that's really Huge

I Got POS xxxxxxxxxx FREECHARGE PAYME, when I paid in oct. But I don't know if I get CB, since I only have millennia and i have to wait.
 
Last edited:
Upvote 0 Downvote
Abhigyan kumar said:
The problems I have faced with sbi unipay-
I have paid almost 10 lakh cc bill through it using my hdfc platinum dc but not a single time my money has been debited and showed transaction failure. But what I have faced is I made the payment it showed successful paid. Money also get credited in my cc. Then after some time I open sbi unipay it shows transaction failure on that particular transaction. Show I searched about this and found out a guy in the reddit for which he has been also facing this same problem. But in his case the transaction that got debited from his account got reversed in 4 days but his cc transaction was not reversed and then after more 10 days his account got debited again for the same amount. So I think better to use Navi app for bill payment as it has a better support team unlike sbi unipay (do not have any support team)
Click to expand...
Is navi app Safe? Also Are there any failures till date?
 
Upvote 0 Downvote
Narayana526 said:
I am also having a similar issue, I paid BOB bills for 2 cards for both, and the card transaction is now showing as failed in SBIUni portal but for one card account, the amount got credited and for another, it is neither credited to the card account nor refund received.

Transaction date: 10/30
when I try to raise a complaint in the SBIUNI portal, it keeps on failing
Click to expand...
email them here: support.bbps@sbi.co.in
support.unipay@sbi.co.in
refund eta 4-6 days
 
Upvote 0 Downvote
Im not getting Points on my select indus DCs MC, Visa, Plat from last 2 Month (paid via SBI Unipay) ? Any Tip & Trick to make use of my indus Dcs? once month Got 1600 pts and once 400, Otherwise no points, I exhausted all the cards as usual.
 
Upvote 0 Downvote
Baki said:
Im not getting Points on my select indus DCs MC, Visa, Plat from last 2 Month (paid via SBI Unipay) ? Any Tip & Trick to make use of my indus Dcs? once month Got 1600 pts and once 400, Otherwise no points, I exhausted all the cards as usual.
Click to expand...
I am paying on Paytm using Visa card and on Airtel through Master card….I am regularly getting points
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

TechnoFino
  • Sticky
  • Question Question
Best Debit Card For Credit Card Bill Payment 2024
90 91 92
Replies
2K
Views
98K
Raghav2006
Raghav2006
MrJJ
  • Question Question
PhonePe Showing Option To Pay Credit Card Bill from Debit Card
2 3
Replies
48
Views
5K
Rohith_Kumar_Sp
Rohith_Kumar_Sp
S
  • Question Question
Best Way to Pay a Credit Card Bill of 1.5L
Replies
11
Views
2K
anujdit
A
A
Amazon gift voucher/SBI Cashback card to bank/other credit card bill pay at 1.5% to 2.5% charges
9 10 11
Replies
211
Views
10K
Abhishek012
A
A
  • Question Question
5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% to 2.5% charges
9 10 11
Replies
218
Views
12K
Abhishek012
A
Back
Top