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/

 

[lhgeek]

@sm9811911 what's the mcc on Airtel thanks for cc bill payment via debit card? Is it utility? Can this help with rewards on debit cards that give rewards on utility payments?

 

[sm9811911]

@sm9811911 what's the mcc on Airtel thanks for cc bill payment via debit card? Is it utility? Can this help with rewards on debit cards that give rewards on utility payments?

Yea it’s Utility. 4900.

 

[lhgeek]

Yea it’s Utility. 4900.

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

 

[sm9811911]

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

Yes, airtel should work for this offer.

Also thanks for sharing the offer details.

 

[shrewdoc]

Are you guys able to successfully Pay HDFC CC via SBI UniPay since last couple of days?

 

[lhgeek]

Are you guys able to successfully Pay HDFC CC via SBI UniPay since last couple of days?

I have paid . Waiting for it to be credited

 

[shrewdoc]

I have paid . Waiting for it to be credited

Are you paying directly (Quick Pay) or after logging in?

 

[lhgeek]

Are you paying directly (Quick Pay) or after logging in?

After logging in and used my debit card

 

[telescope]

some problem with hdfc billdesk billpay today? paid sbi cc bill but showing as pending. usually it is instant.

 

[Srikkanth]

how many vouchers can we redeem from first rewards portal. max 5 in single transaction with 99+gst?

 

[Honeydew]

Hey guys, I have to make hdfc cc payment of 3.5L due on 3rd of June, got Hdfc platinum DC and SBI normal DC.
1. Should I use Hdfc platinum DC on Sbi unipay or Sbi DC for bettervalue back?

2. Read about getting 2.5% back on cc payment using IDFC select DC, can I get idfc select DC immediately if opt to open the account?

 

[Anil_Singh]

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

I got this offer..

 

[sm9811911]

how many vouchers can we redeem from first rewards portal. max 5 in single transaction with 99+gst?

yes . .

 

[sm9811911]

Hey guys, I have to make hdfc cc payment of 3.5L due on 3rd of June, got Hdfc platinum DC and SBI normal DC.
1. Should I use Hdfc platinum DC on Sbi unipay or Sbi DC for bettervalue back?

2. Read about getting 2.5% back on cc payment using IDFC select DC, can I get idfc select DC immediately if opt to open the account?

1) hdfc
2) may get in a week but risky for 3rd due date. so get it if you have bills in future.

 

[Card_Crafter]

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

250 AGV is a good offer.

They are offering only 100 AGV to me on same spends with same t&c. So I might skip this.

ICICI gave a much better offer, 250 AGV on spends of 3k, which I have utilised.

Btw there is another CC bill pay platform which supports DC. But it has only BBPS billers. Need to verify the MCC though.

 

[Anil_Singh]

250 AGV is a good offer.

They are offering only 100 AGV to me on same spends with same t&c. So I might skip this.

ICICI gave a much better offer, 250 AGV on spends of 3k, which I have utilised.

Btw there is another CC bill pay platform which supports DC. But it has only BBPS billers. Need to verify the MCC though.

If you use the card for bill payment (utility mcc) then you will get 100 whereas if you use any other debit card then at max you will get 40. Am I missing something?

 

[lhgeek]

250 AGV is a good offer.

They are offering only 100 AGV to me on same spends with same t&c. So I might skip this.

ICICI gave a much better offer, 250 AGV on spends of 3k, which I have utilised.

Btw there is another CC bill pay platform which supports DC. But it has only BBPS billers. Need to verify the MCC though.

Which cc bill pay is this?

 

[Phonix_YT]

Can I pay HDFC Credit card bill payment using unipay? Since HDFC cc bill payment was having the most failure in SBI unipay portal. So is it resolved or same as hit or miss thing?

 

[shivakrishna987]

Received rp for ind visa they have credited total points

 

[pinki]

Received rp for ind visa they have credited total points

Still not received