Latest Working Methods to Pay Credit Card Bill from Debit Cards

[lightwaves]

Yes charges there More than reward

oh, Thanks bro!

 

[gunadeepak10]

Yes charges there More than reward

If charges are more than reward, why did you mention Freecharge then?

 

[Anindya98]

Yes for MasterCard
For Visa not yet confirmed

Visa also same

 

[gunadeepak10]

Visa also same

I tried Cabada Setu using IDFC DC, its not showing up as merchant. Any idea?

 

[Macd215]

If charges are more than reward, why did you mention Freecharge then?

Dude he asked what is working , so he mentioned what is working and also cited the drawbacks .Now its up to the person who asked to find a way to make payment or not.

 

[2025]

Due to confusing statement by many members even, senior TF members are also confused now about where and how, and using which cards we could get reward. Some even are saying it's ok for mc but not visa. Ha ha ha.

For them: Jo jaisa tha wo waisa hi hay. Nothing changed. Future ka pata nehi.

I did not trolled anyone that app name starts from B and it is still giving cashback for hdfc platinum i have shared screenshot there already but only few people knows so i fear if all knows this than this will also get closed and that is risky now we are finding more apps like that to get cashback from hdfc platinum will update

@insanhuinsan ...Vul se v kisiko batana maat. Nehi toh wo fer 3 logo ko batayega fer wo aur 3 logo ko. Fer kya...sab khatam.

Ye log bahut uksaenge, daante rahana dost.

 

[insomniac911]

I tried Cabada Setu using IDFC DC, its not showing up as merchant. Any idea?

I got my points for payments i did on 31st Jan.

 

[gunadeepak10]

I got my points for payments i did on 31st Jan.

Is it showing as Merchant in the IDFC app? I did it 2 daya back, but now its not showing as Merchant. Can you update once

 

[Ritesh14]

any platform to get rewards from rbl enterprise card?? @Abhishek012

 

[Abhishek012]

@Abhishek012 In EbixCash, Hdfc Millenia Mastercard is not accepted by merchant. What to do, any other options to get 2.5% for HDFC Millenia

Uppar he likha hua hai Canara Setu se CC bill pay karlo.

Ebixcash me choose mastercard option from website.

 

[Abhishek012]

Not sure if its confirmed but visa rbl signature + at setu is indeed retail mcc.

Indusind Visa Signature also credit rewards on canara setu, bas thora delay raheta hai.

 

[digibala]

Important update:
Sbi Unipay has removed the option to pay cc bills using other bank’s debit card.

Updated as on 31st Jan'25 I will keep on updating here and on https://x.com/sm98119

1a) RBL signature + dc: Pay using Canara setu. 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.

2) HDFC Millennia debit card: Pay using Canara setu 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.

3) 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 Canara setu for visa. Payzapp or Canara setu 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.

4) FI money ( infinity or salary variant): Pay using Canara setu 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.

5) IDFC Debit cards: Pay using Canara setu.
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.

6) Axis Liberty dc: Pay using Canara setu. 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.

7) Axis Burgundy DC: Pay using Canara setu ("Retail CC" merchant name) for 1% Edge Rewards which is equal to 20paise for gift voucher redemption. Double rewards in the birthday month.

8) Kotak 811 Super: Pay using Canara setu. Get 5% cashback upto Rs500.

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.

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 Canara Setu 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) 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.
(3): Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.

Other debit cards which have good reward rates but do not work on Canara Setu or any other known platform
1) RBL Enterprise dc: 5% cb on paying cc bills upto 1k monthly using utility mcc. 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: 1% cashback upto Rs750 pm using utility mcc. Fees 750 (waived for certain account categories).

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 tried Liberty dc to buy Amazon gift card from gift edge and loded into Amazon pay. Now Amazon pay is not eligible to pay credit card. How to follow Amazon pay flow process mentioned here?

 

[tharun]

I tried Liberty dc to buy Amazon gift card from gift edge and loded into Amazon pay. Now Amazon pay is not eligible to pay credit card. How to follow Amazon pay flow process mentioned here?

I don't think he meant in such way.
Amazon gift card is not used to pay credit card bills directly. You have search a hack for it
However you can directly pay cc bills via Amazon pay wallet balance afaik

 

[Anindya98]

I tried Cabada Setu using IDFC DC, its not showing up as merchant. Any idea?

I got my 1st Feb Points using IDFC Select DC Visa Infinite variant

 

[sahillearner]

@insanhuinsan can you please dm the app name?

 

[alpha2betaa]

Can you share the SS where it is mentioned?

Yes
I had a regular platinum DC which due to some reason was not going to otp page
I read his post and got this Rupay FIRST TAP DC..
Used it in Jan 25 and got 2000 RP's

 

[sambitpatro]

Important update:
Sbi Unipay has removed the option to pay cc bills using other bank’s debit card.

Updated as on 31st Jan'25 I will keep on updating here and on https://x.com/sm98119

1a) RBL signature + dc: Pay using Canara setu. 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.

2) HDFC Millennia debit card: Pay using Canara setu 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.

3) 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 Canara setu for visa. Payzapp or Canara setu 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.

4) FI money ( infinity or salary variant): Pay using Canara setu 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.

5) IDFC Debit cards: Pay using Canara setu.
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.

6) Axis Liberty dc: Pay using Canara setu. 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.

7) Axis Burgundy DC: Pay using Canara setu ("Retail CC" merchant name) for 1% Edge Rewards which is equal to 20paise for gift voucher redemption. Double rewards in the birthday month.

8) Kotak 811 Super: Pay using Canara setu. Get 5% cashback upto Rs500.

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.

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 Canara Setu 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) 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.
(3): Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.

Other debit cards which have good reward rates but do not work on Canara Setu or any other known platform
1) RBL Enterprise dc: 5% cb on paying cc bills upto 1k monthly using utility mcc. 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: 1% cashback upto Rs750 pm using utility mcc. Fees 750 (waived for certain account categories).

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/

In the bill desk website for sc credit card there is no option for paying through Amazon wallet. Where can we check it ?

 

[lovecards]

In the bill desk website for sc credit card there is no option for paying through Amazon wallet. Where can we check it ?

is there an option to pay thru upi id or qr code scanning?

 

[sambitpatro]

is there an option to pay thru upi id or qr code scanning?

Yes but only through bhim upi I think

 

[Credit_Cards]

I tried Liberty dc to buy Amazon gift card from gift edge and loded into Amazon pay. Now Amazon pay is not eligible to pay credit card. How to follow Amazon pay flow process mentioned here?

where is it mentioned in the first post that we can pay CC bill using Apay Balance ?

@desiviru Bhaiya padhe usse pehle delete kar do