Latest working methods to pay credit card bill from debit cards

[sm9811911]

Most of you know the debit cards which are useful, but it’s difficult to keep track of which platforms to use, how to use because of devaluations/ limits.
I had written down current working methods for my personal use but thought of sharing with the community. Will appreciate any feedback. So here goes:

1) RBL signature plus dc: sbi unipay
1b) RBL Enterprise dc: sbi unipay
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay
3)HDFC Millennia debit card: can be used to load Amazon/Mobikwik wallets for 1%. Can use hdfc bill pay or sbi unipay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq(not working for most) for mastercard variant.
5) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi.
6) IDFC Debit cards: Pay cc bill using sbi unipay.
7) Axis Liberty dc : pay cc through sbi unipay for qtly voucher. Can use upi as well anywhere; no exclusions using upi. Bonus tip: Use axis gyftr portal / amazon to buy amazon gv from Liberty dc for weekend cashback.
8) Citi Priority on sbi unipay

SBI Unipay is working for most, some are reporting failures. Try with small amount first.

Update: Alternative to SBI unipay: ‘Airtel’ and ‘Sriram one’ app (but they only have bbps cc)

Update 2: P B R G and thomasjackson mentioned even Dhani Pay has utility MCC (so an alternative to SBI Unipay). Non-BBPS cc can be paid. But KYC required. (havent tried myself)

Update 3: Full details with calculations on rewards added here: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-634404

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/

 

[SonyTom]

Tried unipay with hdfc millennia and hdfc platinum, instant settlement. Thanks.
Just one question, when do we get rp for hdfc platinum dc?

which bank cc?

Yup. I too want to know 😁
And also how much was tried with each debi card

 

[rewrihitesh]

Failed transaction of 20k on the sbi uni Pay via hdfc card. Tried paying the hdfc cc bil.

 

[Vasuki]

Failed transaction of 20k on the sbi uni Pay via hdfc card. Tried paying the hdfc cc bil.

Bro I already cautioned about hdfc in above thread..
Wait for 15+ working days .

U have done transaction aftr login in sbi portal right?

Keep the transaction I'd and raise a complaint to hdfc . preminlary

 

[ccdc]

Failed transaction of 20k on the sbi uni Pay via hdfc card. Tried paying the hdfc cc bil.

was the amount debited from your account in the failed transaction?

 

[doomlord]

which bank cc?

Sbi

Yup. I too want to know 😁
And also how much was tried with each debi card

Millennia: 16K
Platinum: 34K

 

[sridharkett]

Will rbl signature plus debit card will earn points if I use sbi unipay for credit card payment after recent rbl devaluation?
How to use sbi unipay, Haven't heard about this before, Someone please guide me?

 

[SonyTom]

Sbi

Millennia: 16K
Platinum: 34K

Thanks for the info

 

[Chiraggyl]

Any credit card bill payment option for indie visa signature debit card?

 

[arone]

Failed transaction of 20k on the sbi uni Pay via hdfc card. Tried paying the hdfc cc bil.

did you pay through phone or laptop?

 

[sm9811911]

Any credit card bill payment option for indie visa signature debit card?

Not sure about indie. If you do find, let me know

 

[Chiraggyl]

Not sure about indie. If you do find, let me know

Tried with sbi unipay and paytm didn’t get gems.. payzapp didn’t accepted this card

 

[sm9811911]

Tried with sbi unipay and paytm didn’t get gems.. payzapp didn’t accepted this card

Thanks, What is the reward rate for the dc?

 

[anantnitish]

Me too , during this quarter….
closed my liberty dc instantly last night.. one less headache now

Weekend 5% cashback was still good offering

 

[SSV]

Weekend 5% cashback was still good offering

I have SBI CB card and infinia card… why do I need this restrictive card for me to spend only on eligible items during only weekends????

 

[Vksss]

add jupiter dc also!

 

[sm9811911]

add jupiter dc also!

Tell me, i will add

 

[Maikalal Jaikishan]

Any good beneficial way to pay off Scapia card bill?

 

[dealminer]

Hi TF,
There's a condition for sig+

"Get 1% Monthly Cash Back as vouchers (max upto INR 1,000) on minimum monthly spends of INR 10,000 on POS/Online Payments"


Can someone tell me does this refers to:
1: Only every individual transactions of 10k+ are eligible?

2: Or adding small transaction which adds upto 10k or more will count?
Ex: 5k + 4k +7k = 16k then 160rp
And if expenditure less than 10k in a month then no RP?

 

[dealminer]

Hi TF,
There's a condition for sig+

"Get 1% Monthly Cash Back as vouchers (max upto INR 1,000) on minimum monthly spends of INR 10,000 on POS/Online Payments"


Can someone tell me does this refers to:
1: Only every individual transactions of 10k+ are eligible?

2: Or adding small transaction which adds upto 10k or more will count?
Ex: 5k + 4k +7k = 16k then 160rp
And if expenditure less than 10k in a month then no RP?

@Shubham Yadav @VISHESH_BANSAL @NShah @Abhishek012

Sig+ holder, koi kuch btao iska 🫂

 

[NShah]

Hi TF,
There's a condition for sig+

"Get 1% Monthly Cash Back as vouchers (max upto INR 1,000) on minimum monthly spends of INR 10,000 on POS/Online Payments"


Can someone tell me does this refers to:
1: Only every individual transactions of 10k+ are eligible?

2: Or adding small transaction which adds upto 10k or more will count?
Ex: 5k + 4k +7k = 16k then 160rp
And if expenditure less than 10k in a month then no RP?

2
Cumulative monthly expenditure Rs 10,000 or more