Latest Working Methods to Pay Credit Card Bill from Debit Cards

[Eye of AjayEye of Ajay is verified member.]

The "YOU HAVE REACHED THE MAXIMUM LIMIT. TRY AGAIN LATER" issue is rampant it is coming to people who have either done several transactions or have done high value transactions.

The cool down period is said to be 2-6 days but only experience sharing can show the pattern.

This timeline for cooldown proved to be correct. The same person also divulged that this MAX LIMIT cap is dynamic in nature from 6-8 lac or number of transactions. Meaning if you do a 6 lac payment or multiple small transactions the result will be the same.

Additionally the VISA/Mastercard issue will be resolved shortly there is an issue with the pending payment to the service provider and given that it's almost March aka the FY end things have to be sorted.

At least after every 4-6 hrs check the setu website for the VISA/Mastercard payment option also the site will be sluggish as they are working on it.

 

[harsha1]

Now only RuPay DC accepted.

Use SBI Virtual RuPay DC or IDFC Firstap RuPay Platinum DC.

So we can't use IndusInd Debit cards ( Visa/MC) to pay any banks CC bills?

Does SBI Virtual DC gives cashback? How much per 1000rs? I have bills around 30k to pay

Thanks for your response and guidance 🙏🏼

 

[Abhishek012]

So we can't use IndusInd Debit cards ( Visa/MC) to pay any banks CC bills?

Does SBI Virtual DC gives cashback? How much per 1000rs? I have bills around 30k to pay

Thanks for your response and guidance 🙏🏼

Indusind Mastercard DC give rewards on Payzapp app CC bill pay.

Use SBI yono app or SBI net banking - generate SBI virtual RuPay DC (lifetime free) and your both virtual + physical card will coexist.

SBI Virtual RuPay DC - 2x reward + 2x milestone benefit (total 1% return)

You can use CC Bill pay on SBI Unipay, Billdesk cc bill pay website (Amex & SCB CC bill also supported), Phonepe, Freecharge, Canara Setu.

SBI virtual DC - ecom limit 50k per day.

Every 50k spend you will get 1000 extra milestone bonus reward + 500 + 500 base reward & virtual bonus (total 1% value)

1 lakh spend 2000 extra milestone bonus reward + 1000 + 1000 base reward & virtual bonus (total 1% value)

1.5 lakh spend 3000 extra milestone bonus reward + 1500 + 1500 base reward & virtual bonus (total 1% value)

2 lakh spend 4000 extra milestone bonus reward + 2000 + 2000 base reward & virtual bonus (total 1% value)

2.5 lakh spend 5000 extra milestone bonus reward + 2500 + 2500 base reward & virtual bonus (total 1% value)

Note - New card generate users take 2-3 months time to credit all rewards (suddenly one day all rewards will credited)

old users - within 3-4 days to max 15 days for base reward and virtual bonus reward

Milestone reward takes upto 2-3 months to credit.

Minimum spend Rs200 to get base reward + virtual bonus (0.50%).

 

[harsha1]

Indusind Mastercard DC give rewards on Payzapp app CC bill pay.

Use SBI yono app or SBI net banking - generate SBI virtual RuPay DC (lifetime free) and your both virtual + physical card will coexist.

SBI Virtual RuPay DC - 2x reward + 2x milestone benefit (total 1% return)

You can use CC Bill pay on SBI Unipay, Billdesk cc bill pay website (Amex & SCB CC bill also supported), Phonepe, Freecharge, Canara Setu.

SBI virtual DC - ecom limit 50k per day.

Every 50k spend you will get 1000 extra milestone bonus reward + 500 + 500 base reward & virtual bonus (total 1% value)

1 lakh spend 2000 extra milestone bonus reward + 1000 + 1000 base reward & virtual bonus (total 1% value)

1.5 lakh spend 3000 extra milestone bonus reward + 1500 + 1500 base reward & virtual bonus (total 1% value)

2 lakh spend 4000 extra milestone bonus reward + 2000 + 2000 base reward & virtual bonus (total 1% value)

2.5 lakh spend 5000 extra milestone bonus reward + 2500 + 2500 base reward & virtual bonus (total 1% value)

Note - New card generate users take 2-3 months time to credit all rewards (suddenly one day all rewards will credited)

old users - within 3-4 days to max 15 days for base reward and virtual bonus reward

Milestone reward takes upto 2-3 months to credit.

Minimum spend Rs200 to get base reward + virtual bonus (0.50%).

Thank you for detailed information. 😇

So which one is better choice in terms on cashback?

Sbi Virtual Rupay DC ( I have physical rupay DC SBI for now)
OR
indusind MC via payzapp?

I was reading the sbi rewardz website (https://rewardz.sbi/content/overview) here they saying need to REGISTRATION on this website for getting reward points and redemption of available vendors.

Does redemption via cashback attract any fees in sbi ? ( Indus MC DC redemption to cashback is free )

sorry for long queries... @Abhishek012

 

[desiviru]

it does concerns me.Sometimes i do ask rather than going through 370 pages😂

Follow my way. Whenever you read something interesting no matter its is of your use or not because in future it may be, copy that post and paste in notepad. Like although I dont use PhonePe but for bad days kept its merchant name and MCC list.

These are doors which we will go to and say, "Bheekshaam dehi" when everything else will go down. 🤣

 

[aditya128]

This timeline for cooldown proved to be correct. The same person also divulged that this MAX LIMIT cap is dynamic in nature from 6-8 lac or number of transactions. Meaning if you do a 6 lac payment or multiple small transactions the result will be the same.

Additionally the VISA/Mastercard issue will be resolved shortly there is an issue with the pending payment to the service provider and given that it's almost March aka the FY end things have to be sorted.

At least after every 4-6 hrs check the setu website for the VISA/Mastercard payment option also the site will be sluggish as they are working on it.

Is this person is from canara or have some connect in Canara?

 

[desiviru]

Is this person is from canara or have some connect in Canara?

Setu is handled by a dedicated different group of people. Canara people knows nothing about it. If you ask Canara they will say, Earth is flat so we don't know what Setu is?

 

[ritziveer]

Idfc first tap dc - Reward based on Account - Are the rewards cumulative for the account or seperate for Wealth DC and First tap? I have wealth account + first tap. If I had already spent some amount say 50k using Wealth DC, will my next spends via first tap directly fetch 10x rewards?

Both have combined rewards and limits.

 

[iamgroot]

Follow my way. Whenever you read something interesting no matter its is of your use or not because in future it may be, copy that post and paste in notepad. Like although I dont use PhonePe but for bad days kept its merchant name and MCC list.

These are doors which we will go to and say, "Bheekshaam dehi" when everything else will go down. 🤣

chalo isi bat pe hdfc esp kahna use kru batao🤕

 

[drvirag]

chalo isi bat pe hdfc esp kahna use kru batao🤕

Airtel me wallet load kar k less dan 10k. Itna toh mujhe bhi pata hai 🤣

 

[iamgroot]

Airtel me wallet load kar k less dan 10k. Itna toh mujhe bhi pata hai 🤣

nhi araha visa me

 

[ritziveer]

Hi people,
I hold a Idfc select account and applied for first tap card and paid a cc bill for 3k yesterday via canara setu. But I didn't received the reward points till now.

I still have a cc bill payment for more than a lakh. Can anyone please share the current working way to pay the bill.

Thanks in advance. Sorry if the question is already answered somewhere. I tried my best to search for this case and found none

It will take time. You need to wait till 14 days and if by then you didnt get points you can contact the customer care.

 

[iamgroot]

Hi people,
I hold a Idfc select account and applied for first tap card and paid a cc bill for 3k yesterday via canara setu. But I didn't received the reward points till now.

I still have a cc bill payment for more than a lakh. Can anyone please share the current working way to pay the bill.

Thanks in advance. Sorry if the question is already answered somewhere. I tried my best to search for this case and found none

idfc one of the tattiest bank for reward system,redemption..Dont waste time

 

[cardio_guycardio_guy is verified member.]

Quick question - I have been using SBI Unipay to pay bills using SBI VDC. But one of them is not going through (It is failing many times).
If I pay this using Canara Setu + SBI VDC, will I get any reward points?

 

[ernvigneshwaran]

Quick question - I have been using SBI Unipay to pay bills using SBI VDC. But one of them is not going through (It is failing many times).
If I pay this using Canara Setu + SBI VDC, will I get any reward points?

if rupay yes, as per perv comments...

 

[gunadeepak10]

Does Paying CC bills on Canara Setu using Kotak PVR debit Card works? If yes, how many days it'll take for the rewards?

 

[Kamalraj]

Debit card se cc payment karne ke liye kisiko koi app mila ho to batao yaar,

Mujhe 3L ka payment karna hai,

DM bhi kar sakte ho

 

[NABNAB is verified member.]

IndusInd World MC failing on PayZapp since yesterday. Only getting an OTP for VISA.
Anyone else facing the same issue?

 

[cardio_guycardio_guy is verified member.]

I paid 3 bills in SBI Unipay using SBI Rupay VDC in this order =

• Amazon Pay ICICI self - Rs 25k (Success)
• Amazon Pay ICICI spouse - Rs 8k (Success)
• HDFC Swiggy - Rs 18k (Failed)
• HDFC Tata Neu Infinity self - Rs 11k (Success)

After the failed attempt for HDFC Swiggy card, I could pay Neu card bill. So it is not the problem with Unipay.
Then I tried to pay this Swiggy card bill in Canara Setu, that also failed.
What could be the problem? Any help? Will it work later if I try tomorrow?

 

[Trump]

Airtel me wallet load kar k less dan 10k. Itna toh mujhe bhi pata hai 🤣

what if someone doesn't have an airtel payments bank a/c