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/

 

[Sriim]

Update: Mobikwik can be used instead of sbi unipay. But slightly tricky as there are more than 1 merchants.
Eligible merchant is -
“OneMobikwikSystemsLtd 122001” Name showing in statement got mcc code 4900.
Non eligible merchant -
“One Mobikwik Systems L Gurugr” Mcc 6012

Try small amount first.
Havent tried myself. Posted by a user in another forum.


View attachment 55735

Works for Indus visa?

 

[Pravin1156]

How many days to reflect in Axis Bank Credit cards bys using SBI Unipay for credit card bill payment. Please suggest

 

[vijay.vj]

Regarding Fi infinity...
Is it possible to get 2% by paying with fi dc in any other website? Like paytm or something... looking to pay for Fed one card

 

[yusuf646]

Regarding Fi infinity...
Is it possible to get 2% by paying with fi dc in any other website? Like paytm or something... looking to pay for Fed one card

Fi Infinite's 2% cashback is capped at ₹30 per transaction. You can earn this cashback without using a debit card by using CRED and selecting the Fi app as your UPI payment method.

 

[sparkit]

Any update on acceptance of Mastercard debit cards on SBI Unipay? Is it likely to be fixed?

I tested now with RBL SP Mastercard for a small amount of 100 in SBI Unipay. It is successfully completed.

 

[kshitij_0]

How many days to reflect in Axis Bank Credit cards bys using SBI Unipay for credit card bill payment. Please suggest

Generally instant but sometimes it shows in 48 hours.

 

[vijay.vj]

Fi Infinite's 2% cashback is capped at ₹30 per transaction. You can earn this cashback without using a debit card by using CRED and selecting the Fi app as your UPI payment method.

I'm trying to pay onecard.

Cred is taking time for settle and I dont have much time.
Will I get CB if I pay from onecard app and choose FI UPI app and then pay from FI? (same way as choosing FI from cred)

 

[Pissant]

I'm trying to pay onecard.

Cred is taking time for settle and I dont have much time.
Will I get CB if I pay from onecard app and choose FI UPI app and then pay from FI? (same way as choosing FI from cred)

bro it's just 30 inr just pay via onecard app.

 

[vijay.vj]

bro it's just 30 inr just pay via onecard app.

Its 25k bill on one card for next few months (EMI going on)

So wanted to know if I can use FI app upi from onecard instead of cred

 

[yusuf646]

I'm trying to pay onecard.

Cred is taking time for settle and I dont have much time.
Will I get CB if I pay from onecard app and choose FI UPI app and then pay from FI? (same way as choosing FI from cred)

I have no idea because I don't have OneCard

 

[yusuf646]

Its 25k bill on one card for next few months (EMI going on)

So wanted to know if I can use FI app upi from onecard instead of cred

bro it's just 30 inr just pay via onecard app.

You can pay the bill in multiple parts to maximize your cashback.

For example, you can pay ₹1500 and receive ₹30 cashback each time. Repeat this process to earn more cashback.

The daily cashback limit is ₹100, and the monthly limit is ₹500.

 

[vijay.vj]

You can pay the bill in multiple parts to maximize your cashback.

For example, you can pay ₹1500 and receive ₹30 cashback each time. Repeat this process to earn more cashback.

The daily cashback limit is ₹100, and the monthly limit is ₹500.

Thanks for the info...

But will it work on onecard app via fi app upi?

 

[rrsji]

which plateform for paying SBI simply click CC bills via DC

 

[yusuf646]

Thanks for the info...

But will it work on onecard app via fi app upi?

I can't be certain since I don't have the OneCard, but you can check it in your Fi app.

Update your Fi app to the latest version, then click on "View your infinite benefit" at the top left. You'll see this month's cashback amount.

Next, try a sample transaction of ₹100 using the OneCard app and Fi. Check if the cashback amount increases by ₹2.

 

[Pissant]

which plateform for paying SBI simply click CC bills via DC

hdfc bilpay .

 

[AllThatStuff]

I can't be certain since I don't have the OneCard, but you can check it in your Fi app.

Update your Fi app to the latest version, then click on "View your infinite benefit" at the top left. You'll see this month's cashback amount.

Next, try a sample transaction of ₹100 using the OneCard app and Fi. Check if the cashback amount increases by ₹2.

For May, cashback earned is showing as ₹6 only…does that mean that whole that I’ve earned in May???
No cashback for 1500 DC payments???

 

[Pissant]

For May, cashback earned is showing as ₹6 only…does that mean that whole that I’ve earned in May???
No cashback for 1500 DC payments???

just open an indus/hdfc account

 

[yusuf646]

For May, cashback earned is showing as ₹6 only…does that mean that whole that I’ve earned in May???
No cashback for 1500 DC payments???

There's an issue in showing the cashback history of previous months. It shows zero for me but in reality it's ₹500.

I get around ₹1,000 every month from Fi.

 

[Strange]

SBI Unipay is not allowing to edit the bill amount for BBPS supported banks.

 

[Animal]

SBI Unipay is not allowing to edit the bill amount for BBPS supported banks.

It allows. Paid SBI Simply Save couple of days back.