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, HDFC Payzapp 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
9) sbi physical debit card on sbi unipay

SBI Unipay fails for trx above 1L. If trx fails, it is usually auto refunded within 5 working days. Please try with small amount first.

Update: Alternative to SBI unipay: ‘Airtel’ (2 merchant names, both work), ‘jio finance’ app Canara bbps website. They only support bbps cc bill payment. These give 4900 (utility) mcc.

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

Update 4: SBI dc rewards update from 1st May. Details here
https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-643329

Ongoing issues 1) : Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.
2) 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.
3) mastercard dc not working for some users on sbi unipay.
4) Jio finance app does not show failed trx in their history. But processes auto refunds after 2-3 working days. Do take screenshot as proof when payment fails.

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/

 

[varun__goel_]

bhai hdfc app me to abhi bhi ICICI invalid dikha raha hai jese hi add kr rhe hain card ko.

Netbanking se kro
Sirf mobile no aur last 4 digits lega

 

[Dharm]

M

bhai hdfc app me to abhi bhi ICICI invalid dikha raha hai jese hi add kr rhe hain card ko.

Mera to add kiya hua card hi auto remove ho gaya

 

[panu24]

M

Mera to add kiya hua card hi auto remove ho gaya

Wapis add karo icici card as BBPS biller aur 2 ghante bad pay karo instant pay ho raha hai hdfc billpay se.

 

[Dharm]

Unable to add card , it gives error "We are experiencing some problems currently, Please try again later"

Wapis add karo icici card as BBPS biller aur 2 ghante bad pay karo instant pay ho raha hai hdfc billpay se.

 

[350modena]

HDFC billpay now allowing to add ICICI, PNB, Saraswat and UBI bank as BBPS billers.

Do billers which are already registered (my amex is) need to be deleted and re-added?

 

[leeflo05]

Hey guys,
Now that I can't make payment for icici credit card via Paytm. Please let me know which card I should use on which platform?

Indus world mc or indus select visa signature?
I have to make a payment of 1L

Hi,
not aware of Indus cards but I used HDFC Bill Pay to pay off my ICICI Credit card and i got the rewards for it as well... Not sure this is helpful or if you are already aware but don't hold HDFC bank account

 

[leeflo05]

may be sare accounts pe na hua ho live, i will try tomorrow.
Bhaiyo HDFC CC ka bill bhar paa rhe hain kya on SBI Unipay using hdfc platinum debit card for getting 1% cashback ? Also on millenia debit card wallet reload 1%, we are getting these on amazon, phonepe and mobikwik ??

I did use SBI Unipay to pay my HDFC CC using HDFC Platinum Debit card 5 days back or so.. I got the rewards added to my HDFC Debit card 2 days after the payment.. It worked for me

 

[jeevanreddy58]

HDFC billpay now allowing to add ICICI, PNB, Saraswat and UBI bank as BBPS billers.

invalid billerid coming for icici

 

[zaid_2913]

You are not alone.
I raised it with pno on 14th, gave last notice today. Was short of time to complaint to rbi but will do tomorrow.

What is the status now?your debit card working now?

 

[sm9811911]

What is the status now?your debit card working now?

Yes got resolved after 20 days

 

[Hemang]

I did use SBI Unipay to pay my HDFC CC using HDFC Platinum Debit card 5 days back or so.. I got the rewards added to my HDFC Debit card 2 days after the payment.. It worked for me

1st July se ho rha hai ki ni, I need to check this bhai

 

[pichan]

Wapis add karo icici card as BBPS biller aur 2 ghante bad pay karo instant pay ho raha hai hdfc billpay se.

How to add ICICI Apay card as BBPS biller on HDFC net banking?

 

[panu24]

How to add ICICI Apay card as BBPS biller on HDFC net banking?

Add card for payment the usual way if you have done that for other card addition in the past.
The only change (As a bbps biller) you will notice is that instead of 16 digit card number, you need now last 4 digits of the card and mobile number.

 

[pichan]

Add card for payment the usual way if you have done that for other card addition in the past.
The only change (As a bbps biller) you will notice is that instead of 16 digit card number, you need now last 4 digits of the card and mobile number.

Sry, but I do not see any such option.
Still getting invalid billerid for my ICICI Apay CC.

I go to PAY > Bill Payments > Other Bank Credit Card Bill
Select ADD BILLER

Add and Pay Biller
Step 1. Select biller type
I selected Credit Card
Step 2. Enter biller information
Company name = ICICI bank credit card
ICICI card number =
(if I enter only last 4 digits, it throws error - Please enter a valid Credit Card Number eg 374742xxxxxx0000)
Reenter Credit Card Number =
Name this biller =

 

[Dharm]

Add card for payment the usual way if you have done that for other card addition in the past.
The only change (As a bbps biller) you will notice is that instead of 16 digit card number, you need now last 4 digits of the card and mobile number.

You mean, icici is working in net banking?

As in hdfc app, my old icici biller removed, and unable to add again, it gives invalid biller id error

 

[panu24]

You mean, icici is working in net banking?

As in hdfc app, my old icici biller removed, and unable to add again, it gives invalid biller id error

Yes. I also got it removed yesterday but then using HDFC billpay biller registration, I added again ICICI card for payment. Not sure if today netbanking is giving any error for ICICI card registration.

 

[the_collector]

I used hdfc bill pay with easy shop yesterday for 75k worth cc bills. I got the 750 points credited today. Super fast, it generally takes 3-4 days to come.

 

[CardTox]

I paid my icici cc bill on 30th june from hdfc portal, but payment not received in cc yet. I am worried

 

[wuodland]

I paid my icici cc bill on 30th june from hdfc portal, but payment not received in cc yet. I am worried

Netbaking takes 1 to 2 working days sometimes to reflect. Nothing we can do. I usually pay via UPI when there's an emergency

 

[shenoyanil98]

Paid Hdfc card bill via Mobikwik, settled instantly and got 1% cashback also