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/

 

[love4cards]

One suggestion - For threads like this, lock it and make it only editable by the OP.
So that OP can update as and when needed and it won't grow long to 240+ pages.
It will only contain important posts and not participation from the whole community.

Good advise but those who quickly panic will start creating new thread, no?

 

[cardio_guy]

Good advise but those who quickly panic will start creating new thread, no?

Yes, but mods can merge those threads with the main thread.

 

[VISHESH_BANSAL]

All his post says is canara setu has changed MCC, but nowhere does he mention if the points are still credited or not, his twitter post only says canara not accepting debit.

You Do not even know ,Reward Structure of HDFC ESP.

It is just like You are sitting in a Resturant, Food is Served on the Table and then You are asking Resturant onwer to feed the Served Food Directly in Your mouth.

If anyone know MCC tagged by Bill Payment Platform , One Can evaluate Which Card would give Cashback on the Respective Bill payment Platform

First Go and Learn the Basics, Why are You getting 1% Cashback on HDFC ESP for CC Bill Payments

OP is updating the Post Regularly with latest changes that is more than enough.

Rest work is our to analyse the change . But your Slow Working Brain Can not even do that.

Here OP and all other Members are not there to Spoon Feed You word by Word.

The page gets updated but it's inconsistent at times. By the time it gets update, you'll. Most likely miss many things. One of the reason I made the comment, as it's really slow at updating.

Inconsistent ? Changes are Made as soon as when it is confirmed subject to OP being Active at that Time.

You Do not even know the Basics of the DC You are holding , can not identify basis MCC if the DC you are holding will give RPs/Cashback or not and Blabbering that OP is slow at Updating.

Actually You Brain is slow , that is why you do not even able to Understand Reward Structure of HDFC EASYSHOP PLATINUM DC till now and when Changes are made you expect others to spoon feed you word by word about the changes that has been made by Platforms and You do not want to Utilise your slow Brain.

 

[varun__goel_]

You Do not even know ,Reward Structure of HDFC ESP.

It is just like You are sitting in a Resturant, Food is Served on the Table and then You are asking Resturant onwer to feed the Served Food Directly in Your mouth.

If anyone know MCC tagged by Bill Payment Platform , One Can evaluate Which Card would give Cashback on the Respective Bill payment Platform

First Go and Learn the Basics, Why are You getting 1% Cashback on HDFC ESP for CC Bill Payments

OP is updating the Post Regularly with latest changes that is more than enough.

Rest work is our to analyse the change . But your Slow Working Brain Can not even do that.

Here OP and all other Members are not there to Spoon Feed You word by Word.




Inconsistent ? Changes are Made as soon as when it is confirmed subject to OP being Active at that Time.

You Do not even know the Basic of the DC You are holding , can not identify basis MCC if the DC you are hoding will give RP or not and Blabbering that OP is slow at Updating.

Actually You Brain is slow , that is why you do not even able to Understand Reward Structure of HDFC EASYSHOP PLATINUM DC till now and when Changes are made you accept other to spoon feed you word by word about the changes that has been made by Platforms and You do not want to Utilise your slow Working Brain.

 

[SonyTom]

C’mon guys, we are all here to help each other and get maximum benefit from the cards we hold. It doesn’t look good seeing such greats of TFC talking like this

 

[6ix9ine]

You Do not even know ,Reward Structure of HDFC ESP.

It is just like You are sitting in a Resturant, Food is Served on the Table and then You are asking Resturant onwer to feed the Served Food Directly in Your mouth.

If anyone know MCC tagged by Bill Payment Platform , One Can evaluate Which Card would give Cashback on the Respective Bill payment Platform

First Go and Learn the Basics, Why are You getting 1% Cashback on HDFC ESP for CC Bill Payments

OP is updating the Post Regularly with latest changes that is more than enough.

Rest work is our to analyse the change . But your Slow Working Brain Can not even do that.

Here OP and all other Members are not there to Spoon Feed You word by Word.




Inconsistent ? Changes are Made as soon as when it is confirmed subject to OP being Active at that Time.

You Do not even know the Basics of the DC You are holding , can not identify basis MCC if the DC you are holding will give RPs/Cashback or not and Blabbering that OP is slow at Updating.

Actually You Brain is slow , that is why you do not even able to Understand Reward Structure of HDFC EASYSHOP PLATINUM DC till now and when Changes are made you expect others to spoon feed you word by word about the changes that has been made by Platforms and You do not want to Utilise your slow Brain.

View attachment VID-20231111-WA0011~2.mp4

 

[pinki]

You Do not even know ,Reward Structure of HDFC ESP.

It is just like You are sitting in a Resturant, Food is Served on the Table and then You are asking Resturant onwer to feed the Served Food Directly in Your mouth.

If anyone know MCC tagged by Bill Payment Platform , One Can evaluate Which Card would give Cashback on the Respective Bill payment Platform

First Go and Learn the Basics, Why are You getting 1% Cashback on HDFC ESP for CC Bill Payments

OP is updating the Post Regularly with latest changes that is more than enough.

Rest work is our to analyse the change . But your Slow Working Brain Can not even do that.

Here OP and all other Members are not there to Spoon Feed You word by Word.




Inconsistent ? Changes are Made as soon as when it is confirmed subject to OP being Active at that Time.

You Do not even know the Basics of the DC You are holding , can not identify basis MCC if the DC you are holding will give RPs/Cashback or not and Blabbering that OP is slow at Updating.

Actually You Brain is slow , that is why you do not even able to Understand Reward Structure of HDFC EASYSHOP PLATINUM DC till now and when Changes are made you expect others to spoon feed you word by word about the changes that has been made by Platforms and You do not want to Utilise your slow Brain.

Just one question:- What are you here for?
Only to get spoon fed?

View attachment Boys Relax __ Surya bhai meme template.mp4

 

[varun__goel_]

Comment deleted🤦 🤣

 

[sm9811911]

my only problem with this thread is main OP isn't updating the main post if Canara Setu Suddenly not working, so i have to come to this post once a week and go through 6 pages

Right now HDFC ESP only works with Sbi Ubipay, if main OP can update this on first post. Airtel not sure, as its Utility

Please provide suggestions, I will be happy to edit.
Also, would be really great if you can summarise the info you collect every week and make it as a weekly post. Will be useful for all. So no one else has to go through the last few pages.

 

[D₹V]

I never visit this thread because of same shit going here on daily basis. Asking same naive questions 😂 each time.

While OP has done immense job updating it regularly.

Best tip is that once you get a card analyse the benefits from bank page/PDF, read the MITC, then you know everything, where to spend or where to not which most people don't do.

 

[Ram1]

Been a long time, unipay, canara setu, airtel working fine for idfc wealth right?

 

[Anil_Singh]

Been a long time, unipay, canara setu, airtel working fine for idfc wealth right?

no offence.. check this post https://www.technofino.in/community...-pay-credit-card-bill-from-debit-cards.25788/

 

[Ram1]

no offence.. check this post https://www.technofino.in/community...-pay-credit-card-bill-from-debit-cards.25788/

Only unipay is mentioned for idfc dc
That means other 2 gone?

 

[VISHESH_BANSAL]

Only unipay is mentioned for idfc dc
That means other 2 gone?

Read Properly.
are you Feeling fatigue in reading full Post ?

Alternatives to Unipay is mentioned in the Post as well

 

[Ram1]

Read Properly.
are you Feeling fatigue in reading full Post ?

Alternatives to Unipay is mentioned in the Post as well

Hey what's ur problem? Its just disrespectful. If u want to answer, answer it otherwise leave it.
Its an open portal for everyone.
Yes it is mentioned alternatives for unipay but no where mentioned other 2 portals now eligible for idfc dc.

Just simple yes answer would be enough, may be it helps who r in the same bracket
Or else Op could have mentioned in 3 4 lines which dcs eligible for which portals

 

[VISHESH_BANSAL]

Yes it is mentioned alternatives for unipay but no where mentioned other 2 portals now eligible for idfc dc.

Then Google the meaning of Alternative🤣

Alternative means if any one do no want to use Unipay can use Web/App mentioned in Alternative as well🤣

Still you want seperate 3-4 lines when the same work is done by One word Alternative😂

 

[Rohith_Kumar_Sp]

Please provide suggestions, I will be happy to edit.
Also, would be really great if you can summarise the info you collect every week and make it as a weekly post. Will be useful for all. So no one else has to go through the last few pages.

Thank for your the response, and I appreciate this post exits, if anything major changes I'll tag your account next time.

 

[gamersgzb]

@sm9811911 thanks for maintaining the post.. can you try and put the last updated date in title of the post and update it everytime you update the first post..
Thanks

 

[mojo_jojo123]

For IDFC debit card , if someone did transaction towards end of the month , for which the reward point is credited next month .. so the max point quota will be counted from month on which transaction is done or month on which points are credited ?

 

[zaid_2913]

For IDFC debit card , if someone did transaction towards end of the month , for which the reward point is credited next month .. so the max point quota will be counted from month on which transaction is done or month on which points are credited ?

Transaction date will be considered