Latest Working methods to pay Credit Card Bill from Debit Cards

[Abhishek012]

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.

Is IDFC still working fine? I just opened a wealth account

Airtel app - CC bill payment also eligible.

 

[desiviru]

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.

Is IDFC still working fine? I just opened a wealth account

You will need to close wealth account soon as the rate at which DC is getting withdrawn as payment option is getting higher. For rest of Utilities we already have CCs.

But there is also a news in the air that CC payment via another CC can be reintroduced by banks @ 2.36% extra charges. So now they will turn this into an opportunity to profit.
🤣

 

[Sobirvs]

I have a question, are you guys worried once and if IDFC fixes this and stops reward points on credit card on unipay etc, they will penalize those savings accounts and debit money from our account or reverse reward points and put them in negative??

 

[desiviru]

I have a question, are you guys worried once and if IDFC fixes this and stops reward points on credit card on unipay etc, they will penalize those savings accounts and debit money from our account or reverse reward points and put them in negative??

No. They can't and they won't. Because no cash redemption invloved with IDFC. You can only redeem for vouchers and they also take service charge. Legally, the service you paid for i.e redemption fee here in this case, can't be taken back from you. So they will fall flat in court-of-law.

If you worry that much, reedem all pts, close the account. If they still reach you tell court, an account can be closed when there is no due pending. You can't charge me now. Judge will say, case closed. No more petitions from IDFC will be entertained now.

 

[Sobirvs]

No. They can't and they won't. Because no cash redemption invloved with IDFC. You can only redeem for vouchers and they also take service charge. Legally, the service you paid for i.e redemption fee here in this case, can't be taken back from you. So they will fall flat in court-of-law.

If you worry that much, reedem all pts, close the account. If they still reach you tell court, an account can be closed when there is no due pending. You can't charge me now. Judge will say, case closed. No more petitions from IDFC will be entertained now.

haha problem is for people like us who are looking to for savings in paying cc bills via sbi unipay, we will never go to court for some thousand amount. Also, it's not just abt savings acc, I have fd's with them and if I rem correctly HDFC and Kotak used to debit money from savings account if you don't pay your credit card bills (I know this is a diff example entirely but they did used to debit without active consent of the customer (probably customer gave consent when they signed the account opening process). I haven't seen it happening now but it did use to happen like 6-7 yrs back, with my dad/brother once hence was wondering.

 

[desiviru]

haha problem is for people like us who are looking to for savings in paying cc bills via sbi unipay, we will never go to court for some thousand amount. Also, it's not just abt savings acc, I have fd's with them and if I rem correctly HDFC and Kotak used to debit money from savings account if you don't pay your credit card bills (I know this is a diff example entirely but they did used to debit without active consent of the customer (probably customer gave consent when they signed the account opening process). I haven't seen it happening now but it did use to happen like 6-7 yrs back, with my dad/brother once hence was wondering.

All banks have the right to settle dues by debiting your account after certain days if you don't pay. They can't break FDs but only at maturity or when you try to break, they will debit and settle the dues first and system marks the lien in advance. So you get the leftover amount.

 

[Sobirvs]

All banks have the right to settle dues by debiting your account after certain days if you don't pay. They can't break FDs but only at maturity or when you try to break, they will debit and settle the dues first and system marks the lien in advance. So you get the leftover amount.

exactly hence why I was curious abt the reward system on unipay, what if idfc debits us later for the thousands we get every month frm them.

 

[psk3005]

Can someone please confirm if sbi unipay is working today ?
I am trying to pay my sbi credit card bill multiple times today but the transaction fails every time, i had seen somewhere that we should pay sbi card bill using quick pay on sbi unipay, but even that is not working.

 

[jyothisthaliath]

Can someone please confirm if sbi unipay is working today ?
I am trying to pay my sbi credit card bill multiple times today but the transaction fails every time, i had seen somewhere that we should pay sbi card bill using quick pay on sbi unipay, but even that is not working.

I paid CC bill through Unipay today around 3 PM. Working fine

Obvious reasons for failure may be wrong card details like date and CVV. Is there any reason for failure mentioned there? You'll get SMS from Bank if it was due to incorrect card details.

Secondly, many times it won't allow you to pay more than the due amount. Please check whether amount is due in the CC or already settled.

 

[prathameshrk]

exactly hence why I was curious abt the reward system on unipay, what if idfc debits us later for the thousands we get every month frm them.

It won't happen. Chill. IDFC won't and can't do that. IDFC can at max reverse points if available, but they won't debit your account for sure.

 

[Sobirvs]

It won't happen. Chill. IDFC won't and can't do that. IDFC can at max reverse points if available, but they won't debit your account for sure.

hence the reason why I redeem rp's as soon as they are credited and made available to redeem.

 

[sumit_yadav]

hence the reason why I redeem rp's as soon as they are credited and made available to redeem.

Is there any redemption fee with IDFC Select? I just did my first test transaction and want to redeem the points

 

[Piyush Yadav]

1. Login to the HDFC Mobile app.
2. Tap the Hamburger menu in the top left corner.
3. Select Pay, then Cards.
4. Find and select your Debit Cards.
5. Tap the Show More link to view your Reward Points balance.

That was showing full point... I want to see each credit point transaction... How to see that

 

[sumit_yadav]

That was showing full point... I want to see each credit point transaction... How to see that

Afaik there is no such option to view the break up of the reward points.
You get max 750 points and redeem as soon as you see them in your account. 🙂

 

[Sobirvs]

Is there any redemption fee with IDFC Select? I just did my first test transaction and want to redeem the points

yes, 99+gst. But for some reason idfc dind't charge me this fee on savings acc but they charges this on my credit card statement.

 

[Anindya98]

Is there any redemption fee with IDFC Select? I just did my first test transaction and want to redeem the points

I have redeemed more than 6-7 times and have never been charged 99+GST. I never redeem both Cash+Point; I only redeem points.

 

[Sobirvs]

I have redeemed more than 6-7 times and have never been charged 99+GST. I never redeem both Cash+Point; I only redeem points.

are you talking abt points redeemed here https://www.firstrewards.com ?? as they do charge fee of 99+gst

 

[Anindya98]

are you talking abt points redeemed here https://www.firstrewards.com ??

Yes

as they do charge fee of 99+gst

They show charges but never charged me a dime for redemption.

 

[Sobirvs]

Yes

They show charges but never charged me a dime for redemption.

They never charged my savings account either but they charged my credit card redemption fee.

Btw when you redeem it shows they will charge the 99+gst fee within the next 60 days, so fees might come later?

 

[Anindya98]

They never charged my savings account either but they charged my credit card redemption fee.

The credit card redemption fee is charged while redemption and it gets revered within 2 days with GST.

Btw when you redeem it shows they will charge the 99+gst fee within the next 60 days, so fees might come later?

Already 60 days over, no charges