Latest Working Methods to Pay Credit Card Bill from Debit Cards

[sm9811911]

Freecharge mcc ?

4900 likely
Used to be 4814

 

[S9100]

In last few days I am having a feeling that there is a secret group (formed in last 6 months) and members of it must be having an alternative plan in place (to overcome exclusion of airtel dc option) to get extra 5% upto 500 (telecom). That's why they are not reacting / responding, neither helping newbies to get to know those things easily in fear of losing their edge.

If my suspicion is true, then let them be happy. I will be doing some test transactions this month to find some of those edges and alternatives.

What is happening. Secret cult group. Is this true?

 

[MrJJ]

Yes I know and to confirm that did a small test transaction yesterday and checked with customer care today mrng where they said mcc is 4900. I got this merchant Accelyst something in otp msg and after payment it shows FREECHARGE PAYMENT TEC Gurgaon IN in email.
@MrJJ can you confirm the merchant name for telecom mcc?

Listed as Freecharge Billdesk in this thread. There are 3 more MCC codes for Freecharge.

Thread 'Merchant Name with MCC_Code'

Dec 28, 2024

IF THIS COULD HELP YOU.

I’ve compiled a list of merchants along with their MCC codes, including some of the latest updates. However, as you know, apps frequently change their MCC codes, so some of the information may no longer be accurate. If you’re aware of additional merchants and their MCC codes, please feel free to add them to the sheet for everyone’s reference.

• rajubhai
• Replies: 65
• Forum: 3rd Party Application

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• 
• 

 

[ronakshah]

Listed as Freecharge Billdesk in this thread. There are 3 more MCC codes for Freecharge.

Thread 'Merchant Name with MCC_Code'

Dec 28, 2024

IF THIS COULD HELP YOU.

I’ve compiled a list of merchants along with their MCC codes, including some of the latest updates. However, as you know, apps frequently change their MCC codes, so some of the information may no longer be accurate. If you’re aware of additional merchants and their MCC codes, please feel free to add them to the sheet for everyone’s reference.

• rajubhai
• Replies: 65
• Forum: 3rd Party Application

• 
• 
• 

Thanks for sharing. This thread is really very useful 😃

 

[ronakshah]

Do more than 1k and then check

Sure will check

 

[ronakshah]

Do more than 1k and then check

Yes there are charges for more than 1k bp

 

[badg3rbyte]

Check Millennia DC page. Where it is written that Utlities will not fetch it or it will be considered differently. Millennia DC page has list of exclusion in pdf and 4900 isn't part of it. So why wouldn't it provide on Unipay?

I was under the thought that since many devaluations have happened for different cards where they exclude some utility payments from reward points, Millenia would've gone through the same.
Got your point.

One doubt - I already have Platinum as part of my salary account and they haven't charged any annual fee for card even after moving salary credit to another account, can I hold 2 debit cards for one HDFC account? Existing Plat and a new Millenia? Will my Plat card be deactivated if I get a Millenia card?

 

[S9100]

I was under the thought that since many devaluations have happened for different cards where they exclude some utility payments from reward points, Millenia would've gone through the same.
Got your point.

One doubt - I already have Platinum as part of my salary account and they haven't charged any annual fee for card even after moving salary credit to another account, can I hold 2 debit cards for one HDFC account? Existing Plat and a new Millenia? Will my Plat card be deactivated if I get a Millenia card?

2 dc not possible

 

[VSC]

Hi, I received Mastercard platinum debit card. Do we get cashback if I use this in unipay for cc bill payment

 

[Sriim]

Hi, I received Mastercard platinum debit card. Do we get cashback if I use this in unipay for cc bill payment

Y e s

 

[Sriim]

Has anyone received the reward points for Indus Visa Signature for the CC payments done in Jan? I did around 60k payments on 1st Jan using Unipay but no points received.

Not got for 50k. Done on Jan 2. Visa select + airtel

Got for Dec 21 - same combination

Didn't get for Nov 21 - visa+ unipay

 

[rajubhai]

Not got for 50k. Done on Jan 2. Visa select + airtel

Got for Dec 21 - same combination

Didn't get for Nov 21 - visa+ unipay

Could you please confirm merchant name post settlement for this one
Not got for 50k. Done on Jan 2. Visa select + airtel

 

[Sriim]

Could you please confirm merchant name post settlement for this one
Not got for 50k. Done on Jan 2. Visa select + airtel

Bharti Airtel Ltd

Have always got points for the same merchant name. MC working absolutely fine. Visa seems to be a struggle

 

[Enthusiast]

Valid as on 14th Jan 2025. 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) Kotak 811 Super: Pay using Unipay. Get 5% cashback upto Rs500.

10) 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.

NO Alternative to SBI unipay: Airtel removed dc option to pay credit card bills. ‘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 am holding all 3 exclusive debit cards from Indusind: Visa Platinum, Signature and Master world... Now there is no reward value to the platinum card for paying CC bills, can i upgrade it to another signature exclusive card....can i hold 2 signature cards at the same time?

 

[Palakh Andey]

What's your experience with SBI Unipay? I've heard that it fails a lot and money stays stuck?

 

[VISION]

What's your experience with SBI Unipay? I've heard that it fails a lot and money stays stuck?

it will be refunded in 3-5days

 

[Enthusiast]

What's your experience with SBI Unipay? I've heard that it fails a lot and money stays stuck?

I have done more than 100 cc bill transactions in the last few months....and i didn't experienced any failed transactions...

 

[shivamk]

In last few days I am having a feeling that there is a secret group (formed in last 6 months) and members of it must be having an alternative plan in place (to overcome exclusion of airtel dc option) to get extra 5% upto 500 (telecom). That's why they are not reacting / responding, neither helping newbies to get to know those things easily in fear of losing their edge.

If my suspicion is true, then let them be happy. I will be doing some test transactions this month to find some of those edges and alternatives.

Ye 5% telecom pe kon de rha

 

[Kumar93196]

Millenia dc se kis site se cc bill pay per reward hai?

 

[AURA AURA]

What is happening. Secret cult group. Is this true?

Yes, Abhishek is the CEO.
Eligibility criteria for entry:

1. Tagging the bank on Twitter.

2. Share offers with one person and tell them to share with another person, just like MLM schemes.
3. If you are recently married or thinking of marrying, then your wife or fiancée should have RuPay credit and debit cards, including family members.

4. To be very faithful, always chant " Rupay Maharaj
Rupay Maharaj."