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/

 

[bhavik886151]

How to add more then one credit card of ICICI on HDFC payzapp with out deleting previous one

 

[RohitSah]

Seems like I didn't get points for Indus Select Visa + Jio done on August 1 and got points for Select Visa + Unipay done on August 3 & 4.


Got points for indus Select MC + Jio last month

Already mentioned earlier that Indus Select Visa is not giving RP on JioFinance and Canara.
For Select Visa - Use Paytm and Unipay only.
For Select MC - Use Unipay, JioFinance, Canara and Airtel.

 

[Sriim]

Already mentioned earlier that Indus Select Visa is not giving RP on JioFinance and Canara.
For Select Visa - Use Paytm and Unipay only.
For Select MC - Use Unipay, JioFinance, Canara and Airtel.

I've previously got points for both visa and MC on Airtel

 

[dungeonMaster]

Is rbl signature working on jiofinance?

 

[Abhishek012]

Is rbl signature working on jiofinance?

Yes . .

 

[Sriim]

🚫❌ Paytm charging convenience fee and platform fee on credit card payment via debit card transactions ❌🚫

 

[Abhishek012]

🚫❌ Paytm charging convenience fee and platform fee on credit card payment via debit card transactions ❌🚫

convenience fee ? kab se ? How much ? platform fee toh pata tha.

 

[Abhishek012]

@VISHESH_BANSAL Yeh Billdesk se credit card bill pay ka MCC Code pata hai kya tumhe, debit card se kya aata hai ?

 

[Strange]

Indus Select Visa is not giving RP on JioFinance and Canara.

But I earned reward points for credit card bill payments in the Jio Finance app using my Indus Select Signature and Platinum VISA debit card last month.

 

[VISHESH_BANSAL]

@VISHESH_BANSAL Yeh Billdesk se credit card bill pay ka MCC Code pata hai kya tumhe, debit card se kya aata hai ?

Billdesk visa Cards kha accept karta hai. Sirf Rupay DC chlte

 

[Strange]

Indus Select Visa is not giving RP on JioFinance

@VISHESH_BANSAL @Anil_Singh @Tejo can you confirm?

 

[VISHESH_BANSAL]

@VISHESH_BANSAL @Anil_Singh @Tejo can you confirm?

Indusjhand ka aisa hi hai.

Mann karta toh deta nhi karta toh nhi deta.

Merko Bigbasket Txn ke nhi mile thhe, yeh toh phir bhi Utilty hai.

Ek boldega de raha hai, dusra aajyega merko nhi mile and cycle continues and people keep asking which App/Website is working when Fault is with Indusjhand itself🤣

 

[Sriim]

convenience fee ? kab se ? How much ? platform fee toh pata tha.

I got 25 for a transaction amount of 2696 and 1.02 for a transaction amount of 435.

It was mentioned that this amount includes convenience fee, platform fee and instant discount with no split up. So no clue how much.

 

[Sriim]

But I earned reward points for credit card bill payments in the Jio Finance app using my Indus Select Signature and Platinum VISA debit card last month.

I can confirm that I got some points for jio + select visa this month. Even though not the correct amount of points.

 

[Sriim]

Already mentioned earlier that Indus Select Visa is not giving RP on JioFinance and Canara.
For Select Visa - Use Paytm and Unipay only.
For Select MC - Use Unipay, JioFinance, Canara and Airtel.

Not true. Got points for jio+select visa

 

[Rahul_diwan]

Already mentioned earlier that Indus Select Visa is not giving RP on JioFinance and Canara.
For Select Visa - Use Paytm and Unipay only.
For Select MC - Use Unipay, JioFinance, Canara and Airtel.

Can you explain for Indus exclusive visa and master dc? Where to pay to get the points?

 

[SpiesCan'tCatchMe]

I got for 1 aug, not for july 31

Are we still getting points for jio finance on idfc DC ?
And is there any restriction on the amount to be paid in one go?

 

[telescope]

Are we still getting points for jio finance on idfc DC ?
And is there any restriction on the amount to be paid in one go?

Yes
Nothing as of now

 

[sm9811911]

Payment to non BBPS Billers (like Amex, SC, etc) are failing on Hdfc bill pay, SBI Unipay and other bbps platforms since 5th August. This is likely due to RBI instructions for all cc billers to come onboard the BBPS system.

Almost all cc companies have enabled bbps. Few exceptions currently include Amex, SC. Until they enable BBPS, you can try to pay their cc bills using cred/mobikwik or their upi id or neft. See the thread below for details of upi id and neft. Please try with minimum amount first.

See here for payment details:
Thread 'All Bank Credit Card Payment option details'
https://www.technofino.in/community/threads/all-bank-credit-card-payment-option-details.5091/

 

[praveensudhakaran]

So all the credit cards(icici, idfc, amex, axis) are removed from the hdfc billers list in the portal. Is it the end of HDFC Bill pay cashback or I have to add the cards again to pay the bills?