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/

 

[pinki]

Oye aa gya ji agyaaaaa.....
Maro refund aa gyaaaaa...
🕺💃🕺

Uninstalled JFS ...
Next level satisfaction 😌🤩

 

[AllThatStuff]

I've also paid using Exclusie Visa on Paytm...hope I too receive points !!

Btw how does it take for points to credit ??

Points created today…full 3k !!

 

[theflash]

Points created today…full 3k !!

For visa right?

 

[AllThatStuff]

For visa right?

Y E S

 

[airbubble]

A simple question - If I use my Hdfc platinum debit card for bill payment using Airtel or Jio Finance or Dhani Pay app, will I get the 1% cashback?

 

[dileep]

idfc basic visa card is working at sbi unipay im getting only trasaction failure error tried many times with diff amount?

 

[telescope]

idfc basic visa card is working at sbi unipay im getting only trasaction failure error tried many times with diff amount?

Contact bank. Most likely they are blocking the transaction

 

[APT]

Points created today…full 3k !!

where and how did you the points?

 

[APT]

indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay, HDFC Payzapp and Cheq(not working for most) for mastercard variant--? is this still working?

 

[pinki]

What was the reward for indus visa platinum??
Can anyone paste the table here ?!

 

[AllThatStuff]

where and how did you the points?

My text is a quoted reply to the original message...refer to original text for reference!!

 

[sm9811911]

A simple question - If I use my Hdfc platinum debit card for bill payment using Airtel or Jio Finance or Dhani Pay app, will I get the 1% cashback?

Ignore dhani. Low success rate.
Jio fin will work.

 

[sm9811911]

idfc basic visa card is working at sbi unipay im getting only trasaction failure error tried many times with diff amount?

Block and get the card replaced. May work
Or complain to idfc bank

 

[nayra]

Update your YONO app, it will be gone.

But there is still some good news.

The web version is not updated and is still accepting DC.

When unipay is opened via yono, it works like bill payment through bank account but when opened via website its not connected to bank hence cards are available. Shouldn't be gone in future too I think

 

[nayra]

Imp note: SBI Unipay is working now for most of people, still try with small amount first.

I paid 100rs (bill yet to generate) and it was settled in 3 days into cc. Got cashback on hdfc platinum dc even before cc settlement.

I can go ahead with this right? This will be my first cc payment and tf community has spoiled me already...

Ill do the payment right after bill generation. How to handle failure cases, please share experience guys...

 

[airbubble]

I paid 100rs (bill yet to generate) and it was settled in 3 days into cc. Got cashback on hdfc platinum dc even before cc settlement.

I can go ahead with this right? This will be my first cc payment and tf community has spoiled me already...

Ill do the payment right after bill generation. How to handle failure cases, please share experience guys...

yeah you can. But why SBI Unipay? HDFC Bill pay will 1% give you the cashback, won't it?

 

[nayra]

But why SBI Unipay? HDFC Bill pay will 1% give you the cashback, won't it?

Forgot to mention, its HDFC CC.

Still any backup plans i should have for failures. Thanks.

 

[theflash]

yeah you can. But why SBI Unipay? HDFC Bill pay will 1% give you the cashback, won't it?

not for HDFC CC sometimes BBPS CC's also doesn't work he might've used HDFC CC.

 

[aparnahm]

not for HDFC CC sometimes BBPS CC's also doesn't work he might've used HDFC CC.

remove sriram one app from the original post. there is no option for DC in it.

 

[theflash]

remove sriram one app from the original post. there is no option for DC in it.

I'm not the OP....