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/

 

[shivakrishna987]

Is indus visa sig card giving points on unipay?

 

[hitirfan]

hdfc billpay, sbi unipay, jio finance etc

HDFC Bank app or Net Banking or both?

 

[BeingIncog]

HDFC Bank app or Net Banking or both?

Both . .

 

[panchabhut]

Is ICICI working anywhere? Bill for generated on 13th not able to fetch anywhere...

Same here. Seems ICICI people have merely done a eye wash and have not bothered to report new bill generations. Only a massive backlash on social media would make them react.

 

[Card_Crafter]

Just realized we can do anything with SBI DC reward points. We can even pay loan emi and CC bills. is SBI DC still giving points on wallet load?

 

[Pravin1156]

Is HDFC platinum debit card fetches RP for Credit Card bill payment at Airtel. Please confirm

 

[Cardholic]

Is indus visa sig card giving points on unipay?

Did you get answer?

 

[beast_boy]

Sbi dc update: Exclusion of wallet load trx from reward points from 1st May.

Points limit :Rs250 (or 1000 points) per trx and Rs 2500 per month.

Virtual cards will give rewards only on e-commerce.

Physical dc will give on all except account to wallet and account to account.

2x points on birthday month. But limit remains same.

No change in Reward rate: 0.25% (or 1% points x 0.25paise per point)

Details: https://rewardz.sbi/content/overview

Ps: Some are still getting points on wallet load in May

I found this

6

1000 Points per lakh spends on PoS and E-comm in Financial Year

1,000 per lakh spends

Note:

1. This construct is applicable from 1’st May 2024. Capping of 1000 reward points per transaction applicable, subject to overall capping of 10000 reward points per calendar month per Customer ID including Birthday bonus.

Does this mean Every month we can spend 1 Lakh and get 250 , i.e. spend 12 Lakh in a year and get 3000 bro ?

 

[beast_boy]

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/

Someone mentioned that IDFC DC transactions wont fetch reward points on CC Bill pay on SBI Unipay, is this true ?

Since when this came into effect ?

 

[theflash]

Someone mentioned that IDFC DC transactions wont fetch reward points on CC Bill pay on SBI Unipay, is this true ?

Since when this came into effect ?

This is Not true

 

[Anonymous ツ]

This is Not true

When did you get your last reward points for IDFC dc transaction made on unipay?

 

[theflash]

When did you get your last reward points for IDFC dc transaction made on unipay?

Last Txn date day before yesterday. Got rewards for Txn done on 13th.

 

[Anonymous ツ]

Last Txn date day before yesterday. Got rewards for Txn done on 13th.

Wtf i have still not received a single rp for a traxn done on 6th July on sbi unipay.. earlier i was getting within 3-4 days

 

[theflash]

Wtf i have still not received a single rp for a traxn done on 6th July on sbi unipay.. earlier i was getting within 3-4 days

Yep I've also not received points for some Txn done in dates between 3-15th July.. I'll wait for 14 working days after that will complaint..

 

[Strange]

Just tried SBI Unipay for HDFC with RBL DC (MC). Money debited but transaction failed.

In how many did you get refund for your failed transaction?

 

[telescope]

In how many did you get refund for your failed transaction?

Within 1 week

 

[Strange]

Within 1 week

Automatically or Did you email them?

 

[shivakrishna987]

Did you get answer?

No bro, i have tested it by doing a translation let's wait and see

 

[telescope]

Automatically or Did you email them?

Automatically
.
.

 

[SonyTom]

1) Canara has only bbps cc.
2) Yes

How to access Canara bill pay?
Is it through website > BBPS?
Tried it for Indusind CC. Not fetching. Bill already generated.
Tried through Canara ai1 app, its fetching. But able to pay from canara savings account only.