Latest Working Methods to Pay Credit Card Bill from Debit Cards

[sparkit]

Yes for me as well cc bill from Airtel failed after 1 successfull tranx ,now waiting for refund

Yes, for me too. I tried with a small amount first to check, it went through successfully. After that I tried with big amount, that is failed and now I have to wait 7 days to get that amount.

 

[Enthusiast]

Around 6 lakhs CC bill to be paid next month...

2 HDFC Cards - 1.5 Lak
Indusind Signature - 1.12 Lak
Indusind Master - 1.12 lak

Almost 3.75 lakhs will be covered by above cards...

i don't have any other debit cards...So, How to pay the rest 2.25 lakhs with some kind of benefit?

 

[techie_space]

Around 6 lakhs CC bill to be paid next month...

2 HDFC Cards - 1.5 Lak
Indusind Signature - 1.12 Lak
Indusind Master - 1.12 lak

Almost 3.75 lakhs will be covered by above cards...

i don't have any other debit cards...So, How to pay the rest 2.25 lakhs with some kind of benefit?

Start paying from this month. Split the payments 😅

 

[gunadeepak10]

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/

I have IDFC select debit Card. Paid the fees for testing purpose one week back. But didnot got the Cashback so far.

Is the method still working?

 

[iamgroot]

Around 6 lakhs CC bill to be paid next month...

2 HDFC Cards - 1.5 Lak
Indusind Signature - 1.12 Lak
Indusind Master - 1.12 lak

Almost 3.75 lakhs will be covered by above cards...

i don't have any other debit cards...So, How to pay the rest 2.25 lakhs with some kind of benefit?

Hou you manage AIS,ITR?

 

[sumeet]

Around 6 lakhs CC bill to be paid next month...

2 HDFC Cards - 1.5 Lak
Indusind Signature - 1.12 Lak
Indusind Master - 1.12 lak

Almost 3.75 lakhs will be covered by above cards...

i don't have any other debit cards...So, How to pay the rest 2.25 lakhs with some kind of benefit?

Without card you wont get benefit so this question is wrong. You should get idfc wealth I believe for the best returns

 

[2025]

Around 6 lakhs CC bill to be paid next month...

2 HDFC Cards - 1.5 Lak
Indusind Signature - 1.12 Lak
Indusind Master - 1.12 lak

Almost 3.75 lakhs will be covered by above cards...

i don't have any other debit cards...So, How to pay the rest 2.25 lakhs with some kind of benefit?

1. Spread the bills in 2/3 months and then pay on 29/30, and 1/2.
2. Use SBI VDC if u have. ajkal toh sabke paas sbi ac hota hay... The real bonkers for every Indian.

 

[desiviru]

1. Spread the bills in 2/3 months and then pay on 29/30, and 1/2.
2. Use SBI VDC if u have. ajkal toh sabke paas sbi ac hota hay... The real bonkers for every Indian.

Sabke pass SBI ka acc. nahi hota Lakshman. 🤣

SBI be like: Jab koi DC naa bache, toh Main Hoon Naa, VDC ke saath.

In 2025, SBI will be only king in Card Market. Next year even RBI will come with its own Credit Card for Banks only and offer Rewards on it. 2.5% cashback when banks will pay their GST using RBI CC.

 

[TechnoFi]

Yes for me as well cc bill from Airtel failed after 1 successfull tranx ,now waiting for refund

One successful txn per day or month?

 

[2025]

One successful txn per day or month?

per 30 minutes or 15 minutes. not sure. But after 45 minutes again successful.

 

[TechnoFi]

per 30 minutes or 15 minutes. not sure. But after 45 minutes again successful.

& what about for "1 attempt remaining to fetch card details" status ??

 

[Deepak_Shetty]

& what about for "1 attempt remaining to fetch card details" status ??

After that you can't pay any credit card bill for that day. However you can use another Airtel Thanks app (Family/Friends).

 

[TechnoFi]

After that you can't pay any credit card bill for that day. However you can use another Airtel Thanks app (Family/Friends).

lt is applicable for a particular card account OR overall for all credit card accounts in airtel thanks app ??

 

[2025]

& what about for "1 attempt remaining to fetch card details" status ??

Because perhaps you have fetched CC bill 3/4 times today itself. You can fetch one more time in 24 hours from 1st/2nd fetching.

Don't worry u can fetch again tomorrow after 24 hours. Only fetch if u r ready to pay this time and with atleast one hour gap from last attempt of payment.

 

[2025]

lt is applicable for a particular card account OR overall for all credit card accounts in airtel thanks app ??

If I remember it correctly then it is per account. It appears after multiple unsuccessful attempts or fetching without proceeding for payment.

 

[Deepak_Shetty]

lt is applicable for a particular card account OR overall for all credit card accounts in airtel thanks app ??

For all credit cards, this restrictions applies to only your Airtel thanks app.

 

[gamersgzb]

per 30 minutes or 15 minutes. not sure. But after 45 minutes again successful.

I paid 3 bills within 10 minutes all successful

 

[iamgroot]

Received 500 axis liberty weekend 🤤.Waiting for rbl edc.

 

[VSC]

Hi everyone, I paid 5k through Airtel app using hdfc platinum card yesterday but when I checked the reward points instead of 50 points, total 750 points has been credited. Has anyone else received it in the past 2 days. Also if I redeem then will it be recovered later

 

[VSC]

I redeemed them and it was under promotional points. So is this common as a somekind of milestone benefit or just random