Latest working methods to pay credit card bill from debit cards

[sm9811911]

Valid as on 16th Dec 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) Axis Burgundy DC: Pay using Canara BBPS ("Retail CC" merchant name) for 1% Edge Rewards which is equal to 20paise for gift voucher redemption. Double rewards in the birthday month.

9) Other dc: Sbi physical dc 0.25% and SBI Virtual dc 0.50% 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) , Navi app. They only support bbps cc bill payment. Airtel gives 4900 (utility) mcc, same as SBI Unipay.

Canara bbps/setu website (https://billpe.setu.co/1449602066912642206) has 5311 MCC ("Retail CC" merchant name) for paying cc bills.

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/

 

[donisback7]

Canara Setu Debit Card option is back

 

[vkeypedia]

Today, Canara Setu worked for me, although it shows RETAIL CC MBAI MH, not THE CANARA BANK LIMITE MUMBAI.

 

[Raghav2006]

Today, Canara Setu worked for me, although it shows RETAIL CC MBAI MH, not THE CANARA BANK LIMITE MUMBAI.

I dont know how people find out MCC and whether a trnx would give CB or not, but this retail CC doesn't look promising.

 

[Sobirvs]

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

Already 60 days over, no charges

interesting. You mean reversed. ? I was charged redemption fee on cc on 23rd oct. Never reversed.

 

[aditya128]

I dont know how people find out MCC and whether a trnx would give CB or not, but this retail CC doesn't look promising.

It's 5311 - Departmental stores..works well

 

[vkeypedia]

I dont know how people find out MCC and whether a trnx would give CB or not, but this retail CC doesn't look promising.

Indeed, even I am unaware that this name falls under any MCC.

 

[nh124001]

canara setu wapis aagaya yipeeee

 

[Sobirvs]

canara setu wapis aagaya yipeeee

I don't know why people are so happy abt canara setu, I mean unipay works no? I used unipay like 20-30 times in last 2 months and easily got all reward points and never faced trxn failure, so is there something special abt canara setu?

 

[desiviru]

I don't know why people are so happy abt canara setu, I mean unipay works no? I used unipay like 20-30 times in last 2 months and easily got all reward points and never faced trxn failure, so is there something special abt canara setu?

Nothing special. I also have 90% txns on Unipay and rest ocassional on Setu only when face any issue with Unipay which is rare.

But having Setu as additional option is good because there aren't many sites/app left where dc as option can be used. On JioFin, I still expect DC option will come in future as currently they don't have DC option for any kind of payment. Also Setu had confirmed MCC of 4900 which helped HDFC Platinum card holders as it has 1% specifically for Utilities MCC. Also setu processed txns faster than Unipay and either it is failed or success. Not like Unipay where first it shows success and some people faced failure after few hours with money stucking. Even in some case txns reversed.

But happy that it is back. 5311 code (I am not confirming this and only someone here told it) will not help HDFC Platinum card holders whose feature says.

• Get 1 Cashback point on every ₹ 100 spent on Telecom, Utilities.
• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment

Maybe as Groceries, Supermarket are covered so is the 5311 code which is for deprtmental stores but not sure. @6ix9ine has HDFC Platinum and he can confirm too as RPs come in 2-3 or 7 days.

 

[nh124001]

I don't know why people are so happy abt canara setu, I mean unipay works no? I used unipay like 20-30 times in last 2 months and easily got all reward points and never faced trxn failure, so is there something special abt canara setu?

setu is more reliable than unipay, even if MCC has changed to 5311, then what about millenia i think it will still give 2.5%

 

[Anindya98]

interesting. You mean reversed. ?

Yes

I was charged redemption fee on cc on 23rd oct. Never reversed.

Your account variant at that time. In my case, I have 3 Select Accounts under the same Cust. ID that might be the case they don't charge. Like me, a few more also got the same treatment.

 

[Sriim]

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.

If it's Cashback card, your cashback might have reduced your due amount

You can pay a maximum of 105% of your outstanding amount

So check your outstanding balance after deducting the cashback amount and you'll be able to pay, if that was the issue

 

[6ix9ine]

Nothing special. I also have 90% txns on Unipay and rest ocassional on Setu only when face any issue with Unipay which is rare.

But having Setu as additional option is good because there aren't many sites/app left where dc as option can be used. On JioFin, I still expect DC option will come in future as currently they don't have DC option for any kind of payment. Also Setu had confirmed MCC of 4900 which helped HDFC Platinum card holders as it has 1% specifically for Utilities MCC. Also setu processed txns faster than Unipay and either it is failed or success. Not like Unipay where first it shows success and some people faced failure after few hours with money stucking. Even in some case txns reversed.

But happy that it is back. 5311 code (I am not confirming this and only someone here told it) will not help HDFC Platinum card holders whose feature says.

• Get 1 Cashback point on every ₹ 100 spent on Telecom, Utilities.
• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment

Maybe as Groceries, Supermarket are covered so is the 5311 code which is for deprtmental stores but not sure. @6ix9ine has HDFC Platinum and he can confirm too as RPs come in 2-3 or 7 days.

Will pay small amount today, let's see what happens.

 

[ankurjpr]

It's 5311 - Departmental stores..works well

So quick in finding the MCC.

 

[nik007rock]

5311 indie will work ?

 

[Abhigyan kumar]

5311 list mai nahi h hdfc platinum dc mai

 

[nh124001]

issue is with cashback rate

• Get 1 Cashback point on every ₹ 100 spent on Telecom, Utilities.
  
  
• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment

 

[Raghav2006]

It's 5311 - Departmental stores..works well

Now that's very cool of them.

 

[Abhishek012]

issue is with cashback rate

• Get 1 Cashback point on every ₹ 100 spent on Telecom, Utilities.
  
  
• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment

MCC is not eligible bro for HDFC Platinum Debit Card.

 

[Sobirvs]

Yes

Your account variant at that time. In my case, I have 3 Select Accounts under the same Cust. ID that might be the case they don't charge. Like me, a few more also got the same treatment.

I was charged on wealth "credit card".

and I had normal acc earlier and just got wealth program upgrade last week.

Is there a way I can get reward redemption waivered off?