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 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm or SBI Unipay for visa variants. 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.
For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.

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 (also called Canara Setu) website, 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/

 

[Abhishek012]

@Abhishek012 bhaiya tadap rahe hai.
Ek baar confirmation mil jaaye phir jashn manaayengey. Atanu da se party lengei. Twitter par first to break good news banegei

Kahi ki party, Alternative hai na SBI Unipay website, Jio Finance app and Canara Setu website.

 

[Abhishek012]

If RENTALBBPSNO has rental MCC i.e. 6513 then Millennia should give 2.5% as its not in the excluded MCC list. Platinum DC has an opposite list where it gives CB on only included MCCs.

Not sure but i think rent is still available - https://www.hdfcbank.com/content/bb...nia Debit Card/Millenia-MCC-Exclusion-(2).pdf

Hey Alternative apps available SBI Unipay website, Jio Finance app and Canara Setu website.

 

[Harry1]

Kahi ki party, Alternative hai na SBI Unipay website, Jio Finance app and Canara Setu website.

They will have to do Axis like devaluation to make you happy . Not finding anything for Burgundy Debit card these days.

Lekin as u said, bohot Paisa hai hdfc ke pass.

Abhi tumhara sbi ka 5% promotions dekhke sbi toh devaluation Kiya nai, lekin axis, hdfc, kiwi and yes bank sab ne 5% Wale cards nikal diye.

 

[bigbyte]

Abhi tumhara sbi ka 5% promotions dekhke sbi toh devaluation Kiya nai, lekin axis, hdfc, kiwi and yes bank sab ne 5% Wale cards nikal diye.

Iska matlab,, Abhishek bhaiya hamesha se hamaari bhalai ke liye kaam kar rahe thhe.

Hamse hee unhe samajhne mei galti huee.

 

[harshgupta940]

Not sure but i think rent is still available - https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia Cards/Millennia Debit Card/Millenia-MCC-Exclusion-(2).pdf

Hey Alternative apps available SBI Unipay website, Jio Finance app and Canara Setu website.

Here is the list for exclusions mapped to the description. Unable to find Rental MCC. I know there are alternative app but in the longer term if other apps remove DC option or change MCC then Millennia should still work through HDFC billpay itself.

MCC	Description

5944	Clock, Jewelry, Watch, and Silverware Store

5094	Precious Stones and Metals, Watches and Jewelry

5541	Service Stations (with or without Ancillary Services)

5983	Fuel Dispenser, Automated

5172	Petroleum and Petroleum Products

5542	Fuel Dispenser, Automated

6211	Securities Brokers/Dealers

6300	Insurance Sales, Underwriting, and Premiums

6012	Financial Institutions – Merchandise and Services

4816	Computer Network/Information Services

4829	Money Transfer

7392	Management, Consulting, and Public Relations Services

7210	Laundry, Cleaning, and Garment Services

4215	Courier Services – Air or Ground

7277	Dating and Escort Services

7311	Advertising Services

7523	Automobile Parking Lots and Garages

7361	Employment Agencies and Temporary Help Services

7395	Photofinishing Laboratories, Photo Developing

7338	Quick Copy, Reprographic, and Blueprinting Services

7512	Automobile Rental Agency (Not Listed Below)

4784	Bridge and Road Fees, Tolls

8931	Accounting, Auditing, and Bookkeeping Services

1520	General Contractors – Residential and Commercial

2741	Miscellaneous Publishing and Printing

7217	Carpet and Upholstery Cleaning

5994	News Dealers and Newsstands

4214	Motor Freight Carriers and Trucking – Local/Long Distance, Moving and Storage Companies

7211	Laundry – Family and Commercial

8351	Child Care Services

5051	Metal Service Centers and Offices

7216	Dry Cleaners

7296	Clothing Rental

8911	Architectural, Engineering, and Surveying Services

7394	Equipment Rental and Leasing Services

7349	Cleaning, Maintenance, and Janitorial Services

8041	Chiropractors

7375	Information Retrieval Services

7699	Repair Shops and Related Services

7841	Video Tape Rental Stores

2842	Specialty Cleaning, Polishing, and Sanitation Preparations

5074	Plumbing and Heating Equipment

8111	Legal Services, Attorneys

9402	Postal Services – Government Only

1711	Heating, Plumbing, and Air Conditioning Contractors

4821	Telegraph Services

7321	Consumer Credit Reporting Agencies

4225	Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage

7519	Motor Home and Recreational Vehicle Rental

4468	Marinas, Marine Service/Supplies

9211	Court Costs, Including Alimony and Child Support – Government Only

7339	Stenographic and Secretarial Support Services

780	Landscaping and Horticultural Services

7251	Shoe Repair Shops, Shoeshine Parlors, and Hat Cleaning Shops

5933	Pawn Shops

4457	Boat Leases and Boat Rentals

5996	Swimming Pools – Sales, Supplies, and Services

7276	Tax Preparation Services

7393	Detective Agencies, Protective Agencies, and Security Services

7513	Truck and Utility Trailer Rentals

8734	Testing Laboratories (Non-Medical)

4119	Ambulance Services

7342	Disinfecting and Exterminating Services

7549	Towing Services

 

[RohitSah]

Indusind mc select is giving reward points on JioFinance. Transaction done one 22nd, reward point got credited today. Next will check on airtel and canara.

 

[CrudMax]

Any idea how I can pay bill for onecard via hdfc billpay/rbl signature+ dc for 1% return?

 

[arvinder]

IDFC is weird. Did 4 TXNs on Unipay in 3 days. Got points for only 1 which is also the last TXN, didn't get points for the first 3 TXNs. The merchant name is the same for all 4 and the category tag is also "Home expenses".

Same with me. Received reward points for 2 transactions out of 3.

 

[Sriim]

Received points for transactions dated July 22 -

Paytm + Indus Select Visa
Jio + Indus Select MC

 

[herefordeals]

Received points for transactions dated July 22 -

Paytm + Indus Select Visa
Jio + Indus Select MC

Hi, can we get both visa and master for a single select account? And are both free or 2nd one is chargeable?

 

[SonyTom]

Hi, can we get both visa and master for a single select account? And are both free or 2nd one is chargeable?

Yes. Both are free.
There are lot of threads related to it in TF. Please go through

 

[bigbyte]

Ya, one person told - Paid Rs.5000 Axis cc bill on 21st July with platinum dc on HDFC bill pay portal. Didn't get 1% cb points

Merchant name was RENTALBBPSNO

@Abhishek012

 

[avikrish]

Not sure but i think rent is still available - https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia Cards/Millennia Debit Card/Millenia-MCC-Exclusion-(2).pdf

Hey Alternative apps available SBI Unipay website, Jio Finance app and Canara Setu website.

Jio Finance is in beta , is it fine to use and anyone received 1% cashback for this ?

SBI unipay is not allowing cc bill payments which are unbilled --> For Axis bank it is allowing via credit card number and able to pay unbilled payments, but for HDFC it is like BBPS and not allowing me to pay unbilled amount, stating no bill due.

 

[Sriim]

Jio Finance is in beta , is it fine to use and anyone received 1% cashback for this ?

SBI unipay is not allowing cc bill payments which are unbilled --> For Axis bank it is allowing via credit card number and able to pay unbilled payments, but for HDFC it is like BBPS and not allowing me to pay unbilled amount, stating no bill due.

Same across all platforms. Jio can't help in that regard as well

 

[beast_boy]

For every 100 rupee spent, you get 1 point.

1 point is = ₹0.25/-

Per transaction limit - 1L (which will fetch you 1000 points = ₹250 cashback)

Monthly limit - 10L

Is paying OneCard bill using SBI DC the best possible way to earn RP or there are other avenues bro ?
Should I pay OneCard bill directly via OneCard App using SBI DC or
should I use Cred to pay OneCard Bill using SBI DC or
pay via Cheq using SBI DC will also work to get RP bro ?

 

[Krishna Kumar]

IDFC is weird. Did 4 TXNs on Unipay in 3 days. Got points for only 1 which is also the last TXN, didn't get points for the first 3 TXNs. The merchant name is the same for all 4 and the category tag is also "Home expenses".

It is get credited in 14 days. If not, call cc. They will credit them.

 

[Abhishek012]

Jio Finance is in beta , is it fine to use and anyone received 1% cashback for this ?

SBI unipay is not allowing cc bill payments which are unbilled --> For Axis bank it is allowing via credit card number and able to pay unbilled payments, but for HDFC it is like BBPS and not allowing me to pay unbilled amount, stating no bill due.

HDFC CC - dnt pay full bill, always pay in parts.

 

[im_Pro]

will Hdfc platinum debit card work on Mobikwik for credit card bill payment?

 

[avikrish]

will Hdfc platinum debit card work on Mobikwik for credit card bill payment?

Extra charges, only for UPI no transaction charges

 

[Sriim]

will Hdfc platinum debit card work on Mobikwik for credit card bill payment?

Won't fetch points