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/

 

[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