Latest working methods to pay credit card bill from debit cards

[sm9811911]

Valid as on 17th Sep 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) Other dc: Sbi physical dc 0.25% 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), Canara bbps/setu website (https://billpe.setu.co/1449602066912642206) , Navi app. They only support bbps cc bill payment. These give 4900 (utility) mcc.

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/

 

[SSV]

Which app/website do you guys use for Axis Liberty DC points?

Try not to use SBLBR DC. instead try use UPI thru SBLBR account

 

[anonymuos]

Selected Card is not eligible for Cashback. You can redeem your reward points through IndusMoments Rewards Catalogue

Having partner signature debit card... Earlier was able to reedem them as cash in account

WTF WTF they devalued this to only allow redemption now via Rewards Catalogue? And earlier it allowed cash redemption for the Partner Signature DC? 🙁

 

[SSV]

WTF WTF they devalued this to only allow redemption now via Rewards Catalogue? And earlier it allowed cash redemption for the Partner Signature DC? 🙁

BTW, what is partner Signatur DC in this case?? is there aany co-branded sginature indusInd DC?

 

[anonymuos]

BTW, what is partner Signatur DC in this case?? is there aany co-branded sginature indusInd DC?

IndusInd Visa Signature issued on Indus Partner account (joint account for couples): https://www.indusind.com/in/en/personal/accounts/saving-account/indus-partner.html Single account but couples get a DC each: https://www.indusind.com/in/en/pers.../indus-partner-visa-signature-debit-card.html

 

[SSV]

IndusInd Visa Signature issued on Indus Partner account (joint account for couples): https://www.indusind.com/in/en/personal/accounts/saving-account/indus-partner.html Single account but couples get a DC each: https://www.indusind.com/in/en/pers.../indus-partner-visa-signature-debit-card.html

okay understood .. thank you

 

[Tejaa]

Using HDFC Platinum DC on Airtel Thanks app for cc bill payments will fetch 1% rp on the DC or not ?

Can anyone confirm this? and if yes what should be the merchant name as Airtel has 2 merchant names.

 

[mastfun]

Is IDFC unipay still fetching points?

 

[Anil_Singh]

Indus MC failed for me as well. Had to use RBL Visa for 100k and then Indus Select Visa for 55.6k. Still got around 60k to be paid by end of the month.

Can see points in Indus mobile app. Used Select Visa DC for 55.6k on Unipay. Received 30 points less though. Hope RBL SPDC also fetches points for 1L. @sm9811911

 

[Sudbht]

Is IDFC unipay still fetching points?

yes it is.

 

[ccdc]

where does rbl sig+ dc give rewards for cc payment?

 

[sm9811911]

Can anyone confirm this? and if yes what should be the merchant name as Airtel has 2 merchant names.

Both names work.

 

[Sudbht]

Both names work.

Recently my IDFC account upgraded to wealth and i have already on 10X on my select card. If i activate my wealth card my 10X going to continue or it starts from zero? Also till how many days we can defer activating wealth debit card?

 

[theflash]

Recently my IDFC account upgraded to wealth and i have already on 10X on my select card. If i activate my wealth card my 10X going to continue or it starts from zero? Also till how many days we can defer activating wealth debit card?

It won't continue you'll have to do 50k first to get 10X

 

[Sudbht]

It won't continue you'll have to do 50k first to get 10X

Oh okay better to wait then any Idea on how many days we can keep without activating new DC?

 

[theflash]

@SSV any rough idea by what date can I expect rps for Payzapp if I'm eligible I did Txn on 6th June as I'm now thinking to close my Select account with Indusind. So waiting for rps once those are redeemed will close the account...

 

[SSV]

@SSV any rough idea by what date can I expect rps for Payzapp if I'm eligible I did Txn on 6th June as I'm now thinking to close my Select account with Indusind. So waiting for rps once those are redeemed will close the account...

Normally , within 3 to 5 days.. Occassinally it may take much longer..

 

[theflash]

Normally , within 3 to 5 days.. Occassinally it may take much longer..

o k k

 

[leonneel]

@SSV any rough idea by what date can I expect rps for Payzapp if I'm eligible I did Txn on 6th June as I'm now thinking to close my Select account with Indusind. So waiting for rps once those are redeemed will close the account...

Don't close if u have legend cc. Might be useful in future. I did the same mistake closing Jupiter savings acct when not needed. Now I need but can't get.

 

[theflash]

Don't close if u have legend cc. Might be useful in future. I did the same mistake closing Jupiter cc when not needed. Now I need but can't get.

I don't have that's the reason.... otherwise its 0 MAB so no issues.

 

[SSV]

I don't have that's the reason.... otherwise its 0 MAB so no issues.

DO you have any IndusInd CC?