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Latest working methods to pay credit card bill from debit cards

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sm9811911

sm9811911

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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/
 

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    tekina said:
    But which credit date are we talking about here. I have been using the IndusInd Select Visa card for over 6 months now. I always get all my points in the same month, granted I make my transactions mostly by the 2nd week of the month. And even if I recall spending at the end of the month, my points got credited next month and then, the next month I got 3000 points as well. So where's the catch that you guys are talking about?
    Click to expand...
    Here's what happened: I made a transaction on 28th or 29th. Points (around 1000) were credited in the next month. I only received ~2000 more points in that month apart from the said trx even though I completed full spends (1.12L).
    This was 6 months ago. Other users also experienced this. Possible that indus changed rules recently. But unless you're sure, will be good to avoid these circumstances.
     
    Upvote 0 Downvote
    doctoramar said:
    Sbi virtual rupay card used for amex bill payment.Got 750 reward points for 75000 payment.That is 0.25%.Is this considered account to account transaction?
    Bcos Point no 9 on says sbi virtual dc giving 0.5 % .
    Click to expand...
    SBI virtual debit card gives only 0.25%. On Jan 2nd i made 50000 and Jan 3rd made 50000 transactions but only 1000points received. Actually 2x points of 2000 needs to be credited. May be Reward structure changed for SBI Virtual Debit card? pls confirm @Abhishek012
     
    Upvote 0 Downvote
    doctoramar said:
    Sbi virtual rupay card used for amex bill payment.Got 750 reward points for 75000 payment.That is 0.25%.Is this considered account to account transaction?
    Bcos Point no 9 on says sbi virtual dc giving 0.5 % .
    Click to expand...

    Pravin1156 said:
    SBI virtual debit card gives only 0.25%. On Jan 2nd i made 50000 and Jan 3rd made 50000 transactions but only 1000points received. Actually 2x points of 2000 needs to be credited. May be Reward structure changed for SBI Virtual Debit card? pls confirm @Abhishek012
    Click to expand...
    Nowadays SBI intentionally not awarding bonus points. U have to ask them to get the bonus.
     
    Upvote 0 Downvote
    doctoramar said:
    Sbi virtual rupay card used for amex bill payment.Got 750 reward points for 75000 payment.That is 0.25%.Is this considered account to account transaction?
    Bcos Point no 9 on says sbi virtual dc giving 0.5 % .
    Click to expand...
    Pravin1156 said:
    SBI virtual debit card gives only 0.25%. On Jan 2nd i made 50000 and Jan 3rd made 50000 transactions but only 1000points received. Actually 2x points of 2000 needs to be credited. May be Reward structure changed for SBI Virtual Debit card? pls confirm @Abhishek012
    Click to expand...
    Wait 7 working days.

    Already discuss here -

    D

    Post in thread 'SBI Rewardz: Accelerated Points Upto 5X*/10X* RP under Monthly Campaigns.'

    Update: My friend didn't got bonus pts for Jan 1 txn and also Jan 2 txn using his VISA. Only Dec 31st 1000 txn gave him 10+10. Rest two txn of 3K and 2.4K fecthed no bonus.

    So again, we are back to hit or miss thing. Considering myself lucky now as getting it with VISA VDC has become an achievement in itself. 🤣

    CC: @kuchbhi You can start crying now. Ready an email and shoot on Jan 19th, 2025.
    • Haha
    • Sad
     
    Upvote 0 Downvote
    I did payment on sbi unipay using 2 indusind world master card and 2 visa signature debit card on 26th dec morning .. but got points only on 1 card .. for rest 3 card didn't got any point. . I raised ticket with customer care and they simply replied telling points were credited on 31st dec and closed the ticket . .but I can' t see points any where... any tips ?
     
    Upvote 0 Downvote
    Pravin1156 said:
    SBI virtual debit card gives only 0.25%. On Jan 2nd i made 50000 and Jan 3rd made 50000 transactions but only 1000points received. Actually 2x points of 2000 needs to be credited. May be Reward structure changed for SBI Virtual Debit card? pls confirm @Abhishek012
    Click to expand...
    1736007760444.webp
    Bhai taaza taaza kal hi bhara hai mene credit card bill using virtual sbi debit card on SBI Unipay.
     
    Upvote 0 Downvote
    doctoramar said:
    Got it.Is sbi virtual card for one time use or can be used regularly?
    Click to expand...
    Regularly. Till it's valid (few years). It is also linked to your savings account. Just note down the card number, expiry and CVV at some place otherwise every time you have to check the card through app and also require sms to check CVV. Also set your limit once.
     
    Upvote 0 Downvote
    Hello experts, seeking your help here, kyc also completed, it's been many days not getting solution even from nodal, pno, twitter etc. thanks in advance.

    H

    Thread 'Unable to clear outstanding from any platform for my sbi simplyclick cc'

    Hi all,

    As title says I am unable to clear outstanding on my sbi simplyclick credit card, I am unsure if just like hdfc, sbi also do not allows to clear outstanding from sbi unipay/airtel thanks etc. I do had rekyc renewal pending but I always able to clear dues after bill generation with sbi unipay but for outstanding I am getting "unable to process" error. To be sure I have tried doing from cred with 10rs with UPI which went successful but after few hours it got reversed. I thought it maybe happening as re-kyc was pending so I submitted docs few days back & today only it become...
     
    Upvote 0 Downvote
    2025 said:
    No. Wherever you get reward points (0.25%, 1x) for using SBI debit card you supposed to get bonus points (0.25%, 1x) for using the virtual debit card.
    The bonus points will not come if you use physical debit card of SBI.
    Click to expand...
    Last time in October/November, I got 1000 bonus points for 1 lakh bill payment using SBI Virtual card. But no bonus points for December month. Any idea folks?
     
    Upvote 0 Downvote
    lightwaves said:
    Last time in October/November, I got 1000 bonus points for 1 lakh bill payment using SBI Virtual card. But no bonus points for December month. Any idea folks?
    Click to expand...
    Using virtual, you will hit milestone with only 50K payment. I'm assuming you are getting base points as well as bonus points on all transactions.

    If you are not getting bonus points, then once you hit 1L milestone in debit card, you will receive 1000 bonus points.
     
    Upvote 0 Downvote
    6ix9ine said:
    Using virtual, you will hit milestone with only 50K payment. I'm assuming you are getting base points as well as bonus points on all transactions.

    If you are not getting bonus points, then once you hit 1L milestone in debit card, you will receive 1000 bonus points.
    Click to expand...
    I did multiple transactions and got bonus for virtual card use and 1L both last time. This time only for virtual card use.
     
    Upvote 0 Downvote
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