Latest Working Methods to Pay Credit Card Bill from Debit Cards

[RajS]

Using only SBI VDC in unipay for CC bill payments since last month.
Around 1% returns as cashback. In most of the months, bills are above 50k.
(0.25% for VDC + 0.25% normal + 0.5% for 50k milestone)
Debit card is free, no charges (because of virtual)

I got regular reward + bonus reward for VDC. But, i dont see any entry related to milestone reward points in the rewards page. I transacted nearly 1L

 

[sravanbrahma]

I got regular reward + bonus reward for VDC. But, i dont see any entry related to milestone reward points in the rewards page. I transacted nearly 1L

Same. I transacted more than 2L in FY but I only got for 1 L. Don't know if they delay a lot of something. Better stick with vdc and forget actual card. If sbi is secondary account cancel the physical card for saving annual charges as vdc is free.

 

[djaz]

Using only SBI VDC in unipay for CC bill payments since last month.
Around 1% returns as cashback. In most of the months, bills are above 50k.
(0.25% for VDC + 0.25% normal + 0.5% for 50k milestone)
Debit card is free, no charges (because of virtual)

Paid by SBI VDC a week back for the first time, dont see any rewards yet? any idea how many days it takes usually to reflect the rewards for CC payment? Thanks

 

[RajS]

Paid by SBI VDC a week back for the first time, dont see any rewards yet? any idea how many days it takes usually to reflect the rewards for CC payment? Thanks

Points got refelected in 2 to 3 days

 

[jeevanreddy58]

Using only SBI VDC in unipay for CC bill payments since last month.
Around 1% returns as cashback. In most of the months, bills are above 50k.
(0.25% for VDC + 0.25% normal + 0.5% for 50k milestone)
Debit card is free, no charges (because of virtual)

May I know what is sweet spot for gaining 1% rewards using SBI DC.. is it 50k ? so that we can meet monthly milestone..

 

[djaz]

Points got refelected in 2 to 3 days

Oh.. will it be reflected in SBI rewardz or somewhere else? Thanks

 

[strangelets]

Paid by SBI VDC a week back for the first time, dont see any rewards yet? any idea how many days it takes usually to reflect the rewards for CC payment? Thanks

"I had the same issue. I generated a card two weeks ago, made some transactions, but I haven't received the reward points, and the transactions aren't showing up in my statement either."

 

[cardio_guycardio_guy is verified member.]

May I know what is sweet spot for gaining 1% rewards using SBI DC.. is it 50k ? so that we can meet monthly milestone..

Yes it is 50k. For more than 50k next milestone is 1L I think (not sure).

 

[cardio_guycardio_guy is verified member.]

Oh.. will it be reflected in SBI rewardz or somewhere else? Thanks

It will come in SBI rewardz itself.

 

[VISION]

Yes it is 50k. For more than 50k next milestone is 1L I think (not sure).

is it same all virtual card networks(visa,master&rupay which one to choose)

 

[cardio_guycardio_guy is verified member.]

is it same all virtual card networks(visa,master&rupay which one to choose)

Yes all are same. You can choose any that you like.

 

[Credit_Cards]

When did HDFC start doing that ?!

In my experience they have been the one honorable bank that always paid the promised cashback correct to the last paisa (unlike so many others like ICICI, Axis... etc.)!

ICICI even stooped to the level of rounding everything below a full rupee (upto 0.99) down to zero!
.

 

[Akash Topder]

Same. I transacted more than 2L in FY but I only got for 1 L. Don't know if they delay a lot of something. Better stick with vdc and forget actual card. If sbi is secondary account cancel the physical card for saving annual charges as vdc is free.

Wait the physical card can be cancelled and I can keep only the VDC ?

 

[imrahul]

Paid on 2nd Feb.. no points yet.. what was the merchant name you got?

Retail CC on SMS and retail bai mh in statement and received reward points today for transactions done on 6th feb via indusind visa signature DC

 

[technonifo]

Wait the physical card can be cancelled and Incan keep only the VDC ?

Woah how can I do this?

 

[ThriftyPlasticPundit]

Using only SBI VDC in unipay for CC bill payments since last month.
Around 1% returns as cashback. In most of the months, bills are above 50k.
(0.25% for VDC + 0.25% normal + 0.5% for 50k milestone)
Debit card is free, no charges (because of virtual)

I have sbi rupay vdc, will it work? And what are you using it?

 

[iamgroot]

canara setu bill pay failing after entering otp via indusmc🤨🤨🤨

 

[Anindya98]

So u mean to say that monthly cap is for account instead of cards? So if u get 8k points on Rupay then u can only get 24k points on select DC?

Yes

I have base visa classic DC + Rupay, so its just 8k per month? 🥲

yes, a total of 8K/month.

 

[Prem03]

Retail CC on SMS and retail bai mh in statement and received reward points today for transactions done on 6th feb via indusind visa signature DC

What did you use Canara Setu or Paytm?

 

[rutgersbach]

Can confirm that IndusInd Exclusive DC was working on Canara Setu as of 4th Feb 2024 and I got points on 7th Feb for transactions done on 4th Feb.