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/

 

[sm9811911]

@sm9811911 Hi bro, Can I use 90000 at Cheq CC bill payments by using SBI debit card it fetches 900points or Utility Mcc 4900 only fetches RP on SBI Debit card.Can you confirm please

can’t confirm. I don’t use any of those 2.. account to wallet and account to account are excluded for sbi dc. Cheq has many mcc, some are quasi cash, so likely excluded.

 

[beast_boy]

@sm9811911 Hi bro, Can I use 90000 at Cheq CC bill payments by using SBI debit card it fetches 900points or Utility Mcc 4900 only fetches RP on SBI Debit card.Can you confirm please

Same question.
Will Paying CC Bills in Cheq using SBI DC will fetch any rewards?

 

[IKFLRT]

Received points for my July 20th payment on Jio finance. I like Jio better than Canara/Unipay because of its interface and ease to use.

Have done another 50K transaction yesterday ( canara + sbi Unipay + jio finance) combined.

 

[theflash]

Paid 48k kotak cc bill in 1 go using idfc dc on Canara hope they add it normally and dont take time in giving RPs. 🥲

 

[msankadi]

View attachment 62007

Received points for my July 20th payment on Jio finance. I like Jio better than Canara/Unipay because of its interface and ease to use.

Have done another 50K transaction yesterday ( canara + sbi Unipay + jio finance) combined.

Thanks for update...is this IDFC?

 

[IKFLRT]

Thanks for update...is this IDFC?

Yes, all payments were through IDFC wealth DC.

 

[Hemang]

Sbi virtual dc points nahi de raha hai kya bhaiyo ?

HDFC Millenia - hdfc BillPay, sbi unipay, paytm?? Airtel ?? Jiofinance ?? Canara BillPay ??

HDFC platinum - hdfc BillPay, sbi unipay, Airtel ?? Jiofinance ?? Canara BillPay ??

Indusind select visa - Paytm??

Indusind select MC - payzapp?? Cred ??

Are these above options working and providing reward points for cc payments after bbps implementation?

 

[IKFLRT]

Sbi virtual dc points nahi de raha hai kya bhaiyo ?

HDFC Millenia - hdfc BillPay, sbi unipay, paytm?? Airtel ?? Jiofinance ?? Canara BillPay ??

HDFC platinum - hdfc BillPay, sbi unipay, Airtel ?? Jiofinance ?? Canara BillPay ??

Indusind select visa - Paytm??

Indusind select MC - payzapp?? Cred ??

Are these above options working and providing reward points for cc payments after bbps implementation?

bhai sbi virtual DC kuch rewarding h bhi? jab HDFC platinum h toh SBI kyu use kar rahe?

 

[Hemang]

bhai sbi virtual DC kuch rewarding h bhi? jab HDFC platinum h toh SBI kyu use kar rahe?

For sake of eligible card list, I am asking virtual card kaam kar rha hai sbi ka reward points Dene ke liye ya nahi ?
Baki ka bhi pata hai to bata do.

 

[Pavankotte]

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/

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/

Latest working method to pay cc bill for fetching rewards on IndusInd Select Master and Visa signature debit cards?

 

[CardSeeker]

Unipay Latest MCC Is Same Or Changed

Any One Confirm

 

[Riva]

Added axis rewards cc to HDFC bill pay yesterday and got this sms today.

"Biller Registration Rejected!
For CITICARD Bill xxxx on HDFC Bank BillPay
Reason: Biller is absent on BBPS. Try other payment solutions."

My earlier added Magnus is still showing on HDFC bill pay. Is it possible to pay using HDFC bill pay for cards that were previously added before the bbps mandate?

 

[SaTisHHHH]

Added axis rewards cc to HDFC bill pay yesterday and got this sms today.

"Biller Registration Rejected!
For CITICARD Bill xxxx on HDFC Bank BillPay
Reason: Biller is absent on BBPS. Try other payment solutions."

My earlier added Magnus is still showing on HDFC bill pay. Is it possible to pay using HDFC bill pay for cards that were previously added before the bbps mandate?

If it is assosicated with BBPS then yes, otherwise you can not pay because : RBI has mandated that all banks process credit card bill payments through the Bharat Bill Payment System (BBPS). So till then some banks card will be removed who previously were added as biller and new will not add unitl it's bank added to the list of BBPS. @Riva

 

[Riva]

If it is assosicated with BBPS then yes, otherwise you can not pay because : RBI has mandated that all banks process credit card bill payments through the Bharat Bill Payment System (BBPS). So till then some banks card will be removed who previously were added as biller and new will not add unitl it's bank added to the list of BBPS. @Riva

So that's the odd thing. I have always been paying my Citi rewards cc bill via HDFC bill pay. Now after the migration, yesterday when I logged into HDFC bill pay, my Citi rewards cc was not showing, so I added it again under Axis CC and today I got this message.
Then this means that Axis is not under BBPS or the hdfc bill pay is still looking for Citi when registering the card. I am not sure.
If it's Axis not being on BBPS, then all Axos cards that are already registered on HDFC bill pay will fail.
So if anyone has paid an Axis card after the BBPS mandate on HDFC bill pay can confirm if the payment is going through.

 

[Krishna Kumar]

Unipay Latest MCC Is Same Or Changed

Any One Confirm

Did test transactions few days back. Waiting for points credit.
Let other users confirm.

 

[CardSeeker]

Did test transactions few days back. Waiting for points credit.
Let other users confirm.

Pls Tag Me When Recd Thq

 

[panu24]

Added axis rewards cc to HDFC bill pay yesterday and got this sms today.

"Biller Registration Rejected!
For CITICARD Bill xxxx on HDFC Bank BillPay
Reason: Biller is absent on BBPS. Try other payment solutions."

My earlier added Magnus is still showing on HDFC bill pay. Is it possible to pay using HDFC bill pay for cards that were previously added before the bbps mandate?

Received this for newly added ICICI cards under BBPS biller also.

 

[Riva]

So that's the odd thing. I have always been paying my Citi rewards cc bill via HDFC bill pay. Now after the migration, yesterday when I logged into HDFC bill pay, my Citi rewards cc was not showing, so I added it again under Axis CC and today I got this message.
Then this means that Axis is not under BBPS or the hdfc bill pay is still looking for Citi when registering the card. I am not sure.
If it's Axis not being on BBPS, then all Axos cards that are already registered on HDFC bill pay will fail.
So if anyone has paid an Axis card after the BBPS mandate on HDFC bill pay can confirm if the payment is going through.

I just did a test payment of 500 rs to my rewards cc using hdfc bill pay and it immediately got credited to the card account in about 2 minutes. Now am not sure what the bill pay rejection sms means!!

Payment of INR 500 has been received towards your Axis Bank Credit Card XXxxxx on 22-07-24 - Axis Bank

Also made a test payment to my Magnus which was already registered on HDFC bill pay and that too got credited in 2 minutes.

Now just have to see if 1% cb is showing for these 2 transactions.

 

[Riva]

Received this for newly added ICICI cards under BBPS biller also.

My test payment of inr 500 went through even though I got the msg. Do a test payment and check.

 

[panu24]

My test payment of inr 500 went through even though I got the msg. Do a test payment and check.

Just now paid to Apay card 100 Rs. successfully and credited also instantly. Not sure why HDFC sending such messages then.