Latest working methods to pay credit card bill from debit cards

[sm9811911]

Valid as on 17th Sep 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) Other dc: Sbi physical dc 0.25% 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), Canara bbps/setu website (https://billpe.setu.co/1449602066912642206) , Navi app. They only support bbps cc bill payment. These give 4900 (utility) mcc.

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/

 

[S.B.N.B]

Idfc alwyas credit rp without miss since its inception.. for me..so stop complain them daily and asking here unless its 15 to 20 working days past.. you guys will stop those free rp.. if they find lot complain regarding.. only indus do heraferi.. but there is still no solution.. you complain they deny.. so point is complain wont help instead create more trouble.if you get ok else next.. or keep asking all day in forum ppl stop sharing or replying..

Ye to wahi baat hui maine apke ghar chori ki and kuchh maal nahi mila iski report kar do..lol

 

[Infinite]

There is no list of MCC in this URL. Have requested IndusInd bank to share list of excluded MCC. Will share if I get.

Scam attempt made from
+919330676694
identifying himself as IndusInd Bank agent and asking me to share sceen.

Winder how the person got access to my phone number and knew about complaint to Indusind Bank.

Please be careful.

 

[kushhh]

SBI unipay not working for rbl spdc card

 

[sm9811911]

SBI unipay not working for rbl spdc card

Try 2-3 times

 

[kushhh]

Try 2-3 times

Tried 2 times , both time failed

 

[sm9811911]

Tried 2 times , both time failed

Failed first time for me in the last week. Error was transaction not attempted.
Then tried again on internet explorer and did so by writing the card number and name(pasted first time), went through.
Same thing happened 3-4 days ago.

Also try changing limits and enabling all type of transaction in card security settings

 

[S.B.N.B]

This month indus didnt gave points exvept few before 5 may.. normally they post within week.. i hope they didn't fixed or mess something.. anyway they always do heraferi in points no way to track also..

And today i find strange issue withrwal limit.. i did like 4 5 ec transactions then it was failed then i changed many banks but all said same.. like upi dc also have limit?.. i understand fir same bank but if all bank dc fail in any platform then its some kind issue.. 😞 hopr it is temporary glitch

 

[S.B.N.B]

K budhau phone kiya sbi se bola acc me 0 balance kyo hai.. mainr kaha meri marji..wo bola qmb 2k hai.. mainr kaha kaat lena amb charge .. fir nolne laga paisa kidhar rakhte ho maine kaha indus me.. bola mere me kya kami hai.
Maine kahq

Bas mera shauk hai nai nai try karne ka aapka purana ho gaya..

Then hr said you have all emi qnd sip from here so you should maintain balance.. maine kaha jab time aata hai daal denge ye mera hedche hai. Fir bola sare facility yahq se and paise kahi aur.. maine kaha chicha bas karo ab.. freedom ki ma behan mat karo.. qcchi service jaha milegi achha return jaha milega paisa udhar jayega.. mainr sbi ke fayde ka theka nahi le rakha.. phone cut gaya fir..

Socha story share kar du. Baat karte karte gusaa aa raha tha bas controll controll chal raha thq man me.. bcz he seems to be guy like lunch ke baad ana non pro 60 year guy type.. young log kam hi milte hain sbi me

 

[Rahul Gupta]

Scam attempt made from
+919330676694
identifying himself as IndusInd Bank agent and asking me to share sceen.

Winder how the person got access to my phone number and knew about complaint to Indusind Bank.

Please be careful.

I also got a call yesterday and she share a random website(with near axis interface but url is different) to put my card details there for limit enhacement. She even knew my card last 4 digits and delivery date. She even made sure how much limit is available in my card and if online transactions were enabled or not.

 

[kushhh]

I also got a call yesterday and she share a random website(with near axis interface but url is different) to put my card details there for limit enhacement. She even knew my card last 4 digits and delivery date. She even made sure how much limit is available in my card and if online transactions were enabled or not.

Kahi na kahin se data leak hua hai

 

[Rahul Gupta]

Kahi na kahin se data leak hua hai

Wo toh thik h par jab maine axis customer care ko complain karri toh unhone bola ki cybercrime ko complain karu kyuki fraud abhi tak hua nhi h aur jab tak fraud hoga nhi wo complaint nhi le sakte. Maine unse pucha ki toh aap ye website tab tak chalne doge jab tak kuch 1000-2000 log scam nhi hojate. He said ki sir system me complaint ka option hi nhi h without fraud. Bda weird bank h axis. He even said ki sir card ka replacement lelo otherwise bank ki koi responsibility nhi hogi for next one month. Matlab mene hi complain kari aur ab ye mera hi matha kharre.

 

[bhauka11]

Most of you know the debit cards which are useful, but it’s difficult to keep track of which platforms to use, how to use because of devaluations/ limits.
I had written down current working methods for my personal use but thought of sharing with the community. Will appreciate any feedback. So here goes:

1) RBL signature plus dc: sbi unipay
1b) RBL Enterprise dc: sbi unipay
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay
3)HDFC Millennia debit card: can be used to load Amazon/Mobikwik wallets for 1%. Can use hdfc bill pay or sbi unipay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq(not working for most) for mastercard variant.
5) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi.
6) IDFC Debit cards: Pay cc bill using sbi unipay.
7) Axis Liberty dc : pay cc through sbi unipay for qtly voucher. Can use upi as well anywhere; no exclusions using upi. Bonus tip: Use axis gyftr portal / amazon to buy amazon gv from Liberty dc for weekend cashback.
8) Citi Priority on sbi unipay

SBI Unipay is working for most, some are reporting failures. Try with small amount first.

Update: Alternative to SBI unipay: ‘Airtel’ and ‘Sriram one’ app (but they only have bbps cc)

Update 2: P B R G and thomasjackson mentioned even Dhani Pay has utility MCC (so an alternative to SBI Unipay). Non-BBPS cc can be paid. But KYC required. (havent tried myself)

Update 3: Full details with calculations on rewards added here: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-634404

Update 4: 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/

Is INDIE VISA SIGNATURE DC also eligible for cashback??

 

[Piyush_Jaiswal]

Is INDIE VISA SIGNATURE DC also eligible for cashback??

You may get 0.5% cashback on sbi unipay. I haven't personally verified.

 

[bhauka11]

You may get 0.5% cashback on sbi unipay. I haven't personally verified.

How much is the IDFC DC reward for CC bill on SBI UNIPAY?

 

[Piyush_Jaiswal]

How much is the IDFC DC reward for CC bill on SBI UNIPAY?

I assume you have normal idfc account.

0.33% for first 50k
1.66% after 50k upto 1.60 lakhs

If you do a total transaction of 1.60 lakhs, you will get 2000 rs (8000 point)

Reward rates and capping is higher for select and wealth.

I fear they would restrict utility mcc in near months, so opening a new account or upgrading is not worth it.

 

[Rahul Gupta]

I assume you have normal idfc account.

0.33% for first 50k
1.66% after 50k upto 1.60 lakhs

If you do a total transaction of 1.60 lakhs, you will get 2000 rs (8000 point)

Its 0.33% for first 20k. Correct me if i am wrong.

 

[Piyush_Jaiswal]

Its 0.33% for first 20k. Correct me if i am wrong.

It's 50k for base reward points for all variants.

Earlier it used to be 20k for normal variant. Now they have changed their terms.

 

[zaid_2913]

I received points for transactions on the 16th, but not for those on the 4th and 6th.

 

[marvel]

I received points for transactions on the 16th, but not for those on the 4th and 6th.

Which debit card?

 

[sm9811911]

Failed first time for me in the last week. Error was transaction not attempted.
Then tried again on internet explorer and did so by writing the card number and name(pasted first time), went through.
Same thing happened 3-4 days ago.

Also try changing limits and enabling all type of transaction in card security settings

RBL S+ dc worked on unipay yesterday as well.
@kushhh