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/

 

[Pavankotte]

I am waiting for someone confirmation on HDFC Platinum Debit card cashback over JioFinance or any app.

You will get cashback on sbi unipay with merchant name SBIUNIPAYDBCard and jio finance with merchant name Reliance payments Mumbai.

 

[Pavankotte]

Mastercard variant - yes
Visa variant - not yet

Update me if u get points on visa signature..

 

[Hemang]

For those wondering about indus cards, I got points for the following :

Paytm : indus visa select
Unipay : indus visa and indus world select mc

The transactions were done around the 22nd and I recieved points in both

Bhai I got 55 points for Rs 500 payment each on jiofinance using visa and world debit indusind select card. Anyone has a idea how 55 points were given. 55x0.35 = Rs 19 rupees for Rs 500 payment.?

 

[sparkit]

Now after HDFC is added to BBPS, it seems we can't pay the advance payment before the bill due date using Unipay or Jio.

Any alternatives to use debit card?

 

[the_collector]

Did you receive points for select visa signature on unipay?
Mention merchant name for unipay and Paytm.

Yes, received visa signature on unipay

Marchant name - SBIUNIPAYDBCard Mumbai IN

For Paytm - Paytm Noida IN

 

[Sriim]

Bhai I got 55 points for Rs 500 payment each on jiofinance using visa and world debit indusind select card. Anyone has a idea how 55 points were given. 55x0.35 = Rs 19 rupees for Rs 500 payment.?

This was the payment on the card for the month. If yes, 500 should fetch only 5 points (2/200 for first 5000).

 

[Sriim]

Now after HDFC is added to BBPS, it seems we can't pay the advance payment before the bill due date using Unipay or Jio.

Any alternatives to use debit card?

Can't pay advance via any platform

 

[Hemang]

This was the payment on the card for the month. If yes, 500 should fetch only 5 points (2/200 for first 5000).

Yes this was the 1st payment done using each debit card for Rs 500. Dono pe 55 points aaye hain.

 

[Sriim]

Yes this was the 1st payment done using each debit card for Rs 500. Dono pe 55 points aaye hain.

There are promotional points for first transaction. You have got points in both variants then?

 

[Hemang]

There are promotional points for first transaction. You have got points in both variants then?

Yes in both cards.
1. Points for first use
2. Points for persistence
3. Points for usage
Aise categories bana rkhi hai indusind ne.

 

[Arnal07]

I am waiting for someone confirmation on HDFC Platinum Debit card cashback over JioFinance or any app.

Paid cc bill on 24th july on jio finance with hdfc platinum dc and merchant name was REL*RELIANCE PAY. Reward points not received.

 

[sambitpatro]

Anyone received points for the rentalbbpsno code in hdfc bill pay system?

 

[bigbyte]

@Abhishek012 Bhaiya,

Aap tau HDFC Bank aur Atanu Da ko direct tweet kartei ho. I mean you have a hotline.

Atanu da se seedha pooch ke ye bhasar khatam karo ki RENTALBBPS ka MCC kya hai.

 

[Riva]

I paid my axis cc bill using SBI unipay on 24july with the esp debit card. I usually get the 1% cb in 3 days, however it's been 3 days so far and no cash back!!
Anyone else got or did not get 1% cb using SBI unipay+ esp debit card on or post 24-July??

 

[Arnal07]

I paid my axis cc bill using SBI unipay on 24july with the esp debit card. I usually get the 1% cb in 3 days, however it's been 3 days so far and no cash back!!
Anyone else got or did not get 1% cb using SBI unipay+ esp debit card on or post 24-July??

I too haven't received points for payment on 24th july.Waiting for others to confirm.

 

[Abhishek012]

I paid my axis cc bill using SBI unipay on 24july with the esp debit card. I usually get the 1% cb in 3 days, however it's been 3 days so far and no cash back!!
Anyone else got or did not get 1% cb using SBI unipay+ esp debit card on or post 24-July??

I too haven't received points for payment on 24th july.Waiting for others to confirm.

Paid cc bill on 24th july on jio finance with hdfc platinum dc and merchant name was REL*RELIANCE PAY. Reward points not received.

Wait upto 2 weeks bro.

 

[shrewdoc]

Can someone tell me what is the timeframe that SBI Unipay takes to credit to HDFC Credit Card via BBPS? If I pay tomorrow, will the payment be credited before 31st July?

 

[BhaiyaJi]

Can someone tell me what is the timeframe that SBI Unipay takes to credit to HDFC Credit Card via BBPS? If I pay tomorrow, will the payment be credited before 31st July?

Its instant now, as HDFC is on BBPS rails .

 

[VISHESH_BANSAL]

Can someone tell me what is the timeframe that SBI Unipay takes to credit to HDFC Credit Card via BBPS? If I pay tomorrow, will the payment be credited before 31st July?

Now Platform and time taken is not relevant for BBPS Billers.

It is always instant for BBPS Billers irrespective of Platform used to Repay, though Rare exceptional Cases mai BBPS Payment bhi delay hoti hai.

 

[_na_cheese]

Its instant now, as HDFC is on BBPS rails .

Don't rely though.
I paid on 24th. Yet to receive.