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/

 

[AllThatStuff]

I am not able to pay SBI CC bill using Unipay!!
Getting "Unable to process request" error !!

Anyone else getting the same issue ??

 

[DarthYoda]

I am not able to pay SBI CC bill using Unipay!!
Getting "Unable to process request" error !!

Anyone else getting the same issue ??

Yes, was getting error "unable to process" but now it is going through without any error just paid my Indusind bill.

 

[telescope]

I am not able to pay SBI CC bill using Unipay!!
Getting "Unable to process request" error !!

Anyone else getting the same issue ??

after payment I got "invalid card number" error today. amount got debited from idfc though.

 

[VISHESH_BANSAL]

I am not able to pay SBI CC bill using Unipay!!
Getting "Unable to process request" error !!

Anyone else getting the same issue ??

Pay without Login

 

[SSV]

Pay without Login

For a non SBI SB customer, this SBI Unipay is only available via Website only?

SBI Unipay Customer Portal

and mobile no regrsitration is optional at this website?

Neve used SBI Unipay.. just want to have a look in how it works..
thanks

 

[AllThatStuff]

Yes, was getting error "unable to process" but now it is going through without any error just paid my Indusind bill.

after payment I got "invalid card number" error today. amount got debited from idfc though.

Pay without Login

Thank You so much bhai logs...🙂

 

[the_collector]

For a non SBI SB customer, this SBI Unipay is only available via Website only?

SBI Unipay Customer Portal

and mobile no regrsitration is optional at this website?

Neve used SBI Unipay.. just want to have a look in how it works..
thanks

Be very careful using it though, at this point it's a hit or miss. 40k of mine is stuck from the last 5 days and I don't know how long it is going to take for it to revert back.

But I also paid 90k worth of bills via indus MC world select DC and it went through, I got the points too.

 

[SSV]

Be very careful using it though, at this point it's a hit or miss. 40k of mine is stuck from the last 5 days and I don't know how long it is going to take for it to revert back.

But I also paid 90k worth of bills via indus MC world select DC and it went through, I got the points too.

Thanks for the heads up..
I haven’t used it until now, that tells you something…
I won’t use it much until I am confident about it…

Just curious now, how this thing is working…
Theory is s different to practice..
When I try new things, it will be in 100s only.
Thanks anyway for the obvious caution notice

 

[VISHESH_BANSAL]

For a non SBI SB customer, this SBI Unipay is only available via Website only?

SBI Unipay Customer Portal

and mobile no regrsitration is optional at this website?

Neve used SBI Unipay.. just want to have a look in how it works..
thanks

Yes optional but to track Txn History and to refrain yourself from entering Card details again and again you have to login.

Txn Failures Can Happen with Any Portal and just matter of chance.

Untill Now for me Only 2 txns are failed and auto refunded without any complaints.

 

[SSV]

Yes optional but to track Txn History and to refrain yourself from entering Card details again and again you have to login.

Txn Failures Can Happen with Any Portal and just matter of chance.

Untill Now for me Only 2 txns are failed and auto refunded without any complaints.

so, the above mentioned web site is the only way for non sb account holders right? or any app is also there?

 

[rockyBalboa]

so, the above mentioned web site is the only way for non sb account holders right? or any app is also there?

Yes. There's no app.

 

[SSV]

Yes. There's no app.

thanks for the confirmation . .

 

[Anil_Singh]

so, the above mentioned web site is the only way for non sb account holders right? or any app is also there?

its the same billpay portal for sb account holders too.

 

[SSV]

its the same billpay portal for sb account holders too.

I thought from yono app you can access SBI unipay

 

[Anil_Singh]

I thought from yono app you can access SBI unipay

Nope.. it redirects to this portal

 

[senasenthil]

so, the above mentioned web site is the only way for non sb account holders right? or any app is also there?

I don't think even SB account holders have other options

 

[SSV]

Nope.. it redirects to this portal

I don't think even SB account holders have other options

Okay thanks guys…
So, SBI is really following equality principle to the core !!! 😉

 

[rockyBalboa]

thanks for the confirmation . .

After entering the OTP the money gets debited from your account and you will land on a page that says "PAYMENT DONE SUCCESSFULLY" (see attached screenshot). Please make sure to stay on this page without closing the browser or pressing the browser back button until you are automatically redirected (usually within 5-10 seconds) to another page where you will see complete payment details of your transaction. You can also download the receipt from the bottom of this last page.

 

[SSV]

After entering the OTP the money gets debited from your account and you will land on a page that says "PAYMENT DONE SUCCESSFULLY" (see attached screenshot). Please make sure to stay on this page without closing the browser or pressing the browser back button until you are automatically redirected (usually within 5-10 seconds) to another page where you will see complete payment details of your transaction. You can also download the receipt from the bottom of this last page.

Very useful tip..
I never used this and but will try for Rs10 CC payment initially and see how I go..

thanks again..

 

[iamdhamo]

Idfc dc not giving points on uni pay anymore. It's been a week. Got nothing.

Was looking for this and tried pay 1k today. Will confirm the same soon