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/

 

[Humanbeing]

S

Does HDFC Platinum Debit Card only give 1% cashback on HDFC Bank Bill Payment Portal ? or is there any other portal where i can use HDFC Platinum Debit Card to pay credit card bill and earn 1%. It will be helpful to pay HDFC credit card Bill. can you please tell me other portal where HDFC Platinum Debit Card gives 1%

SBI unipay.

 

[itsds]

S

SBI unipay.

Thank you 🙂 , Do you know How much time Millenia Debit card takes to credit 2.5% reward point , i did the transaction of 16000 around one week back on HDFC Bill Payment portal but still 400 reward point not yet credited.

 

[Humanbeing]

Thank you 🙂 , Do you know How much time Millenia Debit card takes to credit 2.5% reward point , i did the transaction of 16000 around one week back on HDFC Bill Payment portal but still 400 reward point not yet credited.

After 90 days.

 

[itsds]

After 90 days.

and what about HDFC Platinum via SBI Unipay ? how much it takes ?

 

[Humanbeing]

and what about HDFC Platinum via SBI Unipay ? how much it takes ?

3-4 days or Max 7 days.

 

[itsds]

3-4 days or Max 7 days.

Thanks a lot , it is really helpful.

 

[lhgeek]

Looks like the payment gateway changed for SBI uni pay. My Citi priority MC card is no longer working.

 

[Vineet_]

Yesterday around 3 pm I paid axis card bill by hdfc bill pay using millenia dc till now no clue where it got vanished made 2 payments on different card none of them reflects in axis.

Even hdfc confirm successfully paid from bill pay. It usually settled in a minute or 4 hours gap but this time nothing happens.

Kindly please share your experience if someone paid recently.

 

[sm9811911]

Yesterday around 3 pm I paid axis card bill by hdfc bill pay using millenia dc till now no clue where it got vanished made 2 payments on different card none of them reflects in axis.

Even hdfc confirm successfully paid from bill pay. It usually settled in a minute or 4 hours gap but this time nothing happens.

Kindly please share your experience if someone paid recently.

can happen sometimes. If HDFC confirmed, no need to worry.

 

[bhavik886151]

Yesterday around 3 pm I paid axis card bill by hdfc bill pay using millenia dc till now no clue where it got vanished made 2 payments on different card none of them reflects in axis.

Even hdfc confirm successfully paid from bill pay. It usually settled in a minute or 4 hours gap but this time nothing happens.

Kindly please share your experience if someone paid recently.

it takes some times 3-4 days to reflect axis payment

 

[sarcasm99]

There is no option for payment through debit card on cred app ... I want to pay through indusind visa variant

 

[Card_Crafter]

Read that SBI DC is still giving.

Doubt that. Tried 2 wallet loading trx around 19th on Mobikwik. Did not get any rewards yet.
But cc bill payment may have utility mcc on mobikwik. (not sure)

Slide wallet load is not giving. I can confirm this. Did cc bill payment on Mobikwik yesterday. Will update in 2-3 days.

SBI DC gives reward points on CC bill pay in Mobikwik. Personally verified and utilizing. I usually pay <5k bills in MK for double dip.

No idea about Wallet loads since I don't load wallets using SBI DC.

 

[Anil_Singh]

SBI DC gives reward points on CC bill pay in Mobikwik. Personally verified and utilizing. I usually pay <5k bills in MK for double dip.

No idea about Wallet loads since I don't load wallets using SBI DC.

That means Mobikwik is no longer tagging cc bill payments as wallet loads.. interesting.. will find out about mcc soon

 

[ankit ojha]

SBI DC gives reward points on CC bill pay in Mobikwik. Personally verified and utilizing. I usually pay <5k bills in MK for double dip.

No idea about Wallet loads since I don't load wallets using SBI DC.

What was ur transaction date? Did u get 0.25% as reward? Or 0.50%?

 

[Ash8]

7) Axis Liberty dc : pay cc through sbi unipay for qtly voucher.

Do you have to have a liberty savings account as well for this to work? Or voucher can be availed for liberty dc regardless the type of savings account?

 

[Sudbht]

I am having issue in paying Via idfc select debit card from past 3 days whenever u try its saying your debit card is blocked on all the websites. Anyone know what is the issue and how to resolve it?

 

[sm9811911]

I am having issue in paying Via idfc select debit card from past 3 days whenever u try its saying your debit card is blocked on all the websites. Anyone know what is the issue and how to resolve it?

Known issue.
Some have reported idfc dc is blocked while account is active. I am also facing the issue. Have complained to pno and rbi, waiting for solution

 

[Pravin1156]

I got Reward Points of 2725 for transaction of 1lakh at Paytm Noida for visa signature debit card.
Previously I transact 1.5 lakhs at Cred no reward points credit. All transactions done at this month only. I think Cred is not providing points for Indus. Paytm does

 

[newmakerhere]

I got Reward Points of 2725 for transaction of 1lakh at Paytm Noida for visa signature debit card.
Previously I transact 1.5 lakhs at Cred no reward points credit. All transactions done at this month only. I think Cred is not providing points for Indus. Paytm does

When did you do the transaction. I also waiting for RP on paytm transaction did on 8th May

 

[Pravin1156]

I am done at 23 & 24th May. Hope yours also got credited soon

When did you do the transaction. I also waiting for RP on paytm transaction did on 8th May