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/

 

[S.B.N.B]

Seems like indus plat need 95k payment now not 80k.. last 2 month i have noticed thry given less points.. this month i paid one with 95k where i got full point.. and other 80k here they didnt gave full.. same last month.. aaj hi kuchh points aaye hain.. 15 may tak ka shayad aaya hai.. with many missing points on signature..

 

[sahilgulati5]

Need to pay CC Bill.. Which platform should i use for cashback or reward points? I Have Burgundy DC, HDFC DC & IDFC DC

 

[sm9811911]

Seems like indus plat need 95k payment now not 80k.. last 2 month i have noticed thry given less points.. this month i paid one with 95k where i got full point.. and other 80k here they didnt gave full.. same last month.. aaj hi kuchh points aaye hain.. 15 may tak ka shayad aaya hai.. with many missing points on signature..

If you want, check online if missing points are there.

Interesting that they have changed plat reward structure (and made it same as their official structure). I will change in the details.

 

[VISHESH_BANSAL]

View attachment 54809

Sanu ki Pata ?🤣

 

[VISHESH_BANSAL]

Mobikwik letting me pay bill on fed onecard.Am I missing something?

But Not eligible for RPs.
Also whichever Third Party app supports One Card Repayments, it takes 1-2 days for settlement and I have seen many Cases where someone Paid just before due date or on Due date and One Card Imposed penalty and Interest because Repayment was not settled before due date.

One Card is not a normal Co Branded Card, so Repay it always from One Card App.

1% ke chakkar m baad m kaafi time waste karna pad sakta hai if any delay Happens in settlement

 

[shivakrishna987]

Seems like indus plat need 95k payment now not 80k.. last 2 month i have noticed thry given less points.. this month i paid one with 95k where i got full point.. and other 80k here they didnt gave full.. same last month.. aaj hi kuchh points aaye hain.. 15 may tak ka shayad aaya hai.. with many missing points on signature..

Bro how many points we can get for indus plat in a month?

 

[sm9811911]

Bro how many points we can get for indus plat in a month?

2000. . .

Terms & Conditions: Indus Rewards Program - IndusInd Bank

Find the Indus Rewards Program for individual savings account holders at IndusInd Bank. Terms & conditions are applicable to accrual & redemption of reward points. Read more.

www.indusind.com

 

[shivakrishna987]

2000. . .

Terms & Conditions: Indus Rewards Program - IndusInd Bank

Find the Indus Rewards Program for individual savings account holders at IndusInd Bank. Terms & conditions are applicable to accrual & redemption of reward points. Read more.

www.indusind.com

Thank you broo

 

[Pravin1156]

I don't have Indus Select Visa Signature. I am holding normal 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 Army.

On 9th May 2024 I done 1.5lakhs on Cred but still not fetch points and again I am done 1lakh on Paytm Noida on Normal Visa Signature debit card by Indus.

 

[sm9811911]

I don't have Indus Select Visa Signature. I am holding normal 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 Army.

On 9th May 2024 I done 1.5lakhs on Cred but still not fetch points and again I am done 1lakh on Paytm Noida on Normal Visa Signature debit card by Indus.

Indus gives reward points basis debit card type. So if it's visa signature, no matter the amount type, should get points based on visa signature category and should use in paytm/unipay

 

[Itachi_UchihaItachi_Uchiha is verified member.]

How about paying with visa signature card from IndusInd indie bank? What’s the CASHBACK percentage?

 

[sm9811911]

How about paying with visa signature card from IndusInd indie bank? What’s the CASHBACK percentage?

That’s a separate program, not covered under the terms and conditions . See details here for normal indus account:

Terms & Conditions: Indus Rewards Program - IndusInd Bank

Find the Indus Rewards Program for individual savings account holders at IndusInd Bank. Terms & conditions are applicable to accrual & redemption of reward points. Read more.

www.indusind.com

 

[sidmanraj]

Which is the best way to pay ICICI credit card bill using RBL signature plus debit card

 

[Daunt]

Which is the best way to pay ICICI credit card bill using RBL signature plus debit card

👇🏽

Why last last time full salary ?

You can use RBL signature+ Debit Card on SBI unipay website, Sri ram one app, Airtel app and Dhanipay app for Credit Card bill payment.

No need to be shy, just use there and get 2% cashback on RBL signature+ Debit Card a.k.a world's best debit card Ever....

. . .

 

[Piyush_Jaiswal]

How about paying with visa signature card from IndusInd indie bank? What’s the CASHBACK percentage?

that's separate

Indie (Megastar) Debit Card gives 0.5% cashback

But it also has offers on Bill Payment using Indie App. Pay more than Rs 500 credit card bill and get Rs 50 cashback upto Rs 500. So you can pay 10 unique CC Bills and earn 500 easily.

 

[Itachi_UchihaItachi_Uchiha is verified member.]

that's separate

Indie (Megastar) Debit Card gives 0.5% cashback

But it also has offers on Bill Payment using Indie App. Pay more than Rs 500 credit card bill and get Rs 50 cashback upto Rs 500. So you can pay 10 unique CC Bills and earn 500 easily.View attachment 54939

My question is will I get 50 gems per cc payment bill along with additional 0.5% CASHBACK for the same? Or just the 50 gems with no cashback?

 

[Anil_Singh]

My question is will I get 50 gems per cc payment bill along with additional 0.5% CASHBACK for the same? Or just the 50 gems with no cashback?

You can't use INDIE debit card for bill payments in INDIE. So, max 50 gems per txn.

 

[Piyush_Jaiswal]

My question is will I get 50 gems per cc payment bill along with additional 0.5% CASHBACK for the same? Or just the 50 gems with no cashback?

50 gems is for cc bill payment made using Indie App (you can't pay using dc, it gets paid directly through account)

0.5% cashback (on SBI Unipay, Shriram Finance) [I haven't personally tried yet if they give cashback on these merchants]

 

[S.B.N.B]

50 gems is for cc bill payment made using Indie App (you can't pay using dc, it gets paid directly through account)

0.5% cashback (on SBI Unipay, Shriram Finance) [I haven't personally tried yet if they give cashback on these merchants]

They dont give on any bill payment.. idk what terms have to get 0.5% cb.. but till now only i got with pur haae not with amy bill payment

 

[Piyush_Jaiswal]

How about paying with visa signature card from IndusInd indie bank? What’s the CASHBACK percentage?

@S.B.N.B thanks for the correction
Just checked their MCC Exclusion List. They have excluded 4899, 4900 Utility MCC so no cashback on any bill payments. SBI Unipay and Sriram Finance have Utility MCC.