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% 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), 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/

 

[skbgp]

still working?
Will millenia dc give any chillar on bill payment?

Y E S

 

[knight]

Any update? Did you get refund? Can you see them in your Transactions?

I'm in a similar boat as well
Money deducted, bill payment failed on sbi unipay. No refund in 5 days.
Raised a complain with SBI Epay today..
Will eventually raise a charge back in a week

 

[Rohith_Kumar_Sp]

I'm in a similar boat as well
Money deducted, bill payment failed on sbi unipay. No refund in 5 days.
Raised a complain with SBI Epay today..
Will eventually raise a charge back in a week

Where to do that? Where is that Epay

 

[TechnoFi]

After reading all replies in this thread, l feel there is need to explore other BBPS platforms offering utility MCCs for CC bill payments.

 

[sam1803]

I'm in a similar boat as well
Money deducted, bill payment failed on sbi unipay. No refund in 5 days.
Raised a complain with SBI Epay today..
Will eventually raise a charge back in a week

I also faced this issue. I tried to pay my SBI credit card bill but the txn screen got stuck after payment last month on 28 and it did not reload. Took a screenshot of the screen hoping to send email. I always do payments after login only. Later got busy with work and did not get time to send email. But after a week saw the refund issued in the bank statement.

 

[sam1803]

Guys anybody using Indusind DC's for bill payments on Canara, Unipay. Which variant are you using to pay bills. Does it work for both Visa and MC?

 

[Rohith_Kumar_Sp]

I also faced this issue. I tried to pay my SBI credit card bill but the txn screen got stuck after payment last month on 28 and it did not reload. Took a screenshot of the screen hoping to send email. I always do payments after login only. Later got busy with work and did not get time to send email. But after a week saw the refund issued in the bank statement.

sent email to whoo? i've sent 3 email, so response

 

[sam1803]

sent email to whoo? i've sent 3 email, so response
View attachment 71627

To Unipay Support only. But without email got the refund.

 

[BhaiyaJi]

Automatically received 50K refund on failed transaction done on 5th Oct on SBI Unipay

 

[knight]

Where to do that? Where is that Epay

Online Complaint Management

www.sbiepay.sbi

SBI Epay is the payment gateway for sbi unipay.. on the screen with INB ref num, you get SBI epay on top..
The transaction ref might not match in complaint form, i had to use 'others' category to raise complaint.


They've closed the complaint asking for sbi epay ref num or merchant order num..
The correct amount transaction isn't shown in SBI Unipay and the success screen only had INB ref num which i already provided along with hdfc's UTR.
Not sure where to get the Ref Num they need.

I'll write back again and see if this can be sorted..
So far I've not received refund. 6 days have passed.

 

[Rohith_Kumar_Sp]

Online Complaint Management

www.sbiepay.sbi

SBI Epay is the payment gateway for sbi unipay.. on the screen with INB ref num, you get SBI epay on top..
The transaction ref might not match in complaint form, i had to use 'others' category to raise complaint.


They've closed the complaint asking for sbi epay ref num or merchant order num..
The correct amount transaction isn't shown in SBI Unipay and the success screen only had INB ref num which i already provided along with hdfc's UTR.
Not sure where to get the Ref Num they need.

I'll write back again and see if this can be sorted..
So far I've not received refund. 6 days have passed.

Update for my amount refunded today, even though sbi didn't reply in email.

 

[arunkd386]

Guys, anyone knows how long Canara Setu takes to refund for a failed transaction?

In how many days you received your refund?

 

[knight]

update.
Just got my refund as well.

~6 days

 

[SonyTom]

At least Unipay is refunding failed transactions

 

[6ix9ine]

At least Unipay is refunding failed transactions

And yet people use it to pay cc bill just before deadline 🤣

 

[Abhishek012]

I pay using SBI RuPay DC, works on amex site too. Gives very poor reward rate but this is all that is working for now.

@ManojGowda Do you got 2x reward using SBI virtual RuPay debit card ? If you use SBI virtual RuPay debit card check once again in your SBI rewards account and let me know.

Not eligible for physical cards.

 

[ManojGowda]

@ManojGowda Do you got 2x reward using SBI virtual RuPay debit card ? If you use SBI virtual RuPay debit card check once again in your SBI rewards account and let me know.

Not eligible for physical cards.

i only have physical card, never got any 2x points until now

 

[Abhishek012]

i only have physical card, never got any 2x points until now

2x points eligible only for SBI Virtual RuPay Debit Card.

Today we got 2x using Virtual RuPay Debit Cards (4 reward points per 200 spend, value 0.5%)

Verified merchant names here -

Canara bank Setu website - SBI Virtual RuPay Debit Card OTP page merchant name - "CCAVENUE COM UTILITY"

Navi app - SBI Virtual RuPay Debit Card OTP page merchant name - "NaviTechnologiesLimited"

Today, @shu_sha also confirmed Payments thru Freecharge will also fetch RPs got this for my VDC Rupay variant.

Got 2X RP for Sept month payments as well

Freecharge - SBI Virtual RuPay Debit Card OTP page merchant name - "FREECHUTIL"

 

[deep@vie]

2x points eligible only for SBI Virtual RuPay Debit Card.

Today we got 2x using Virtual RuPay Debit Cards (4 reward points per 200 spend, value 0.5%)

Verified merchant names here -

Canara bank Setu website - SBI Virtual RuPay Debit Card OTP page merchant name - "CCAVENUE COM UTILITY"

Navi app - SBI Virtual RuPay Debit Card OTP page merchant name - "NaviTechnologiesLimited"

Today, @shu_sha also confirmed Payments thru Freecharge will also fetch RPs got this for my VDC Rupay variant.

Got 2X RP for Sept month payments as well

Freecharge - SBI Virtual RuPay Debit Card OTP page merchant name - "FREECHUTIL"

Abhi ye bhi btao.
How to get second rupay virtual card while already have a physical card.

 

[IKFLRT]

In how many days you received your refund?

For automatic refund you'll receive within 30 days. Contact BBPS through LinkedIn app and give them BBPS transaction id, they'll refund within a week.