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/

 

[sm9811911]

idfc classic dc which comes with 10k account varient, fetches any points?

all idfc dc get points. See the basic dc points details in update 3.

 

[BCh]

How do know it’s last month’s point…based on transaction value and points credited??

I did transactions in last week of April and got points in the 1st week of this month. This month's transactions were done on 15th, no points credited so far.

 

[Pankhuri]

All 3 can be held together and free of charge with select or exclusive accounts.

I have visa signature and mc world debit cards, select account. How can I request for Visa platinum debit card? I tried requesting through customer care call but they said I would need to first block my Visa signature dc.

 

[PrabhuP]

If Indus stops giving cashback on CC payments I am going to let that account go dormant

i opened this account only for CC bill payment 🙁

 

[Pissant]

i opened this account only for CC bill payment 🙁

I actually had two reasons. The 0 forex fee and the rewards.

 

[Pravin1156]

Hi TF Team, Today I go to IDFC bank and enquired about Select account opening. They told me to initially fund 3lakhs and maintain the balance to avail the select debit card and other related benifits. They told from 1st may 2024 itself normal account to premium account upgrade process stopped.

If I am opening Select account directly by funding 3 lakhs. Any minimum balance to be maintain or if suppose I don't maintain the minimum balance means select debit card features are stopped ah. Please suggest TF Team.

 

[pinki]

Hi TF Team, Today I go to IDFC bank and enquired about Select account opening. They told me to initially fund 3lakhs and maintain the balance to avail the select debit card and other related benifits. They told from 1st may 2024 itself normal account to premium account upgrade process stopped.

If I am opening Select account directly by funding 3 lakhs. Any minimum balance to be maintain or if suppose I don't maintain the minimum balance means select debit card features are stopped ah. Please suggest TF Team.

Suggest kriye TF TEAM

@Vasuki

 

[Vasuki]

Suggest kriye TF TEAM

@Vasuki

Today I went to idfc to open select for friend he said with 3 lakh Direct select get opened no need to get extra permission &shit ..
So we closed his previous account in 5 minutes.


Regarding your query - CHU*YA EMPLOYEE jyda bole toh Bm k cabin me jao
Aur bolo achha employee hire krlo.

 

[pinki]

Today I went to idfc to open select for friend he said with 3 lakh Direct select get opened no need to get extra permission &shit ..
So we closed his previous account in 5 minutes.


Regarding your query - CHU*YA EMPLOYEE jyda bole toh Bm k cabin me jao
Aur bolo achha employee hire krlo.

Ek baat bolna tha doc...


















gaali galoj aj kal bahut jyada krne lge hai aap 💀
Control kriye thora
khi galiyon ka ghada bhr n jae apka🌚

 

[Piyush_Jaiswal]

Hi TF Team, Today I go to IDFC bank and enquired about Select account opening. They told me to initially fund 3lakhs and maintain the balance to avail the select debit card and other related benifits. They told from 1st may 2024 itself normal account to premium account upgrade process stopped.

If I am opening Select account directly by funding 3 lakhs. Any minimum balance to be maintain or if suppose I don't maintain the minimum balance means select debit card features are stopped ah. Please suggest TF Team.

3 lakh sounds good.

But if they say they will downgrade that means they will as downgrading is in the hand of branch officials and your RM.

There are chances that they won't downgrade but why risking so much for a debit card which is anyway going to be downgraded in few months. Without reward points, the account is not really worth it. If you frequently travel then lounge access will be the only thing beneficial for you.

 

[Vasuki]

3 lakh sounds good.

But if they say they will downgrade that means they will as downgrading is in the hand of branch officials and your RM.

There are chances that they won't downgrade but why risking so much for a debit card which is anyway going to be downloaded in few months. Without reward points, the account is not really worth it. If you frequently travel then lounge access will be the only thing beneficial for you.

Great knowledge but you are too much misinformed

No downgrade seen in idfc till now.
So enjoy till it lasts

It's giving the highest reward on cc payment
It's one of easiest way to get lounge access for companion

 

[Anil_Singh]

Guys,

For some shitty reason, IndusInd mobile app is not showing acquired reward points.

Just login to netbanking and check your points for Indus Select Visa and MC World debit cards.

I just found out that I got points for credit card bill payments done in Paytm using Indus Select Visa debit card (maybe long ago) in netbanking.

 

[Piyush_Jaiswal]

Great knowledge but you are too much misinformed

No downgrade seen in idfc till now.
So enjoy till it lasts

It's giving the highest reward on cc payment
It's one of easiest way to get lounge access for companion

Banks generally don't downgrade which I totally agree. But downgrading is in the hands of branch officials, they can downgrade if they want.

When everyone starts not maintaining balance eventually they will be compelled to downgrade.

And it is the best debit card out there. But do you really think the party is going to last more than few months with this much mass popularisation? It does not take enough time for idfc to exclude any mcc. Nor will it take time for SBI to change its MCC.

Itna v negative feel nhi karwana hai...😂

@Pravin1156 1 2 mahina me hi 7500/15000 loot lena 😂😂

 

[sm9811911]

Hi TF Team, Today I go to IDFC bank and enquired about Select account opening. They told me to initially fund 3lakhs and maintain the balance to avail the select debit card and other related benifits. They told from 1st may 2024 itself normal account to premium account upgrade process stopped.

If I am opening Select account directly by funding 3 lakhs. Any minimum balance to be maintain or if suppose I don't maintain the minimum balance means select debit card features are stopped ah. Please suggest TF Team.

Nothing stopped.

Guys,

For some shitty reason, IndusInd mobile app is not showing acquired reward points.

Just login to netbanking and check your points for Indus Select Visa and MC World debit cards.

I just found out that I got points for credit card bill payments done in Paytm using Indus Select Visa debit card (maybe long ago) in netbanking.

Someone else also mentioned this if i remember correctly

 

[sm9811911]

Great knowledge but you are too much misinformed

No downgrade seen in idfc till now.
So enjoy till it lasts

It's giving the highest reward on cc payment
It's one of easiest way to get lounge access for companion

Agree. No downgrades seen. Personal exp

 

[Vasuki]

Banks generally don't downgrade which I totally agree. But downgrading is in the hands of branch officials, they can downgrade if they want.

When everyone starts not maintaining balance eventually they will be compelled to downgrade.

And it is the best debit card out there. But do you really think the party is going to last more than few months with this much mass popularisation? It does not take enough time for idfc to exclude any mcc. Nor will it take time for SBI to change its MCC.

Itna v negative feel nhi karwana hai...😂

@Pravin1156 1 2 mahina me hi 7500/15000 loot lena 😂😂

My branch doesn't even know what select is
Ofc nothing lasts forever.
If this continues 6 month its more than worth

 

[Piyush_Jaiswal]

My branch doesn't even know what select is
Ofc nothing lasts forever.
If this continues 6 month its more than worth

6 mahine me to 45k ki earning ho jayegi 😂😂

 

[Vasuki]

Guys,

For some shitty reason, IndusInd mobile app is not showing acquired reward points.

Just login to netbanking and check your points for Indus Select Visa and MC World debit cards.

I just found out that I got points for credit card bill payments done in Paytm using Indus Select Visa debit card (maybe long ago) in netbanking.

Post this in status

 

[Vasuki]

6 mahine me to 45k ki earning ho jayegi 😂😂

😁
3.4x 6 =18 lakh bill payment

But
If distributed among 5 PPL cc spend..
45 k is stunner. 😂

 

[Pravin1156]

Guys,

For some shitty reason, IndusInd mobile app is not showing acquired reward points.

Just login to netbanking and check your points for Indus Select Visa and MC World debit cards.

I just found out that I got points for credit card bill payments done in Paytm using Indus Select Visa debit card (maybe long ago) in netbanking.

I am not Indus Select Visa Signature. I am holding Visa Signature card of ₹5000 joining fee variant and I am holding tarakki current account with IndusInd bank. So holding Normal Visa Signature debit card while transacting at Cred(Dreamplug Paytech solutions) fetch any reward points. Please confirm TF Team.

On 9th May 2024 I done 1.5lakhs on Cred but still not fetch points.