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/

 

[Rohan]

Can you confirm what name you're seeing in otp message?

OTP 6 for txn of INR .00 at CCAVENUE COM UTILITY on RBL Bank Debit Card 6. Valid for onetime use in 5min. DONT SHARE OTP WITH ANYONE

 

[OptiCard]

OTP 6 for txn of INR .00 at CCAVENUE COM UTILITY on RBL Bank Debit Card 6. Valid for onetime use in 5min. DONT SHARE OTP WITH ANYONE

Me & 1 more guy didn't receive the points this month for Canara Setu Payments.

I suggest you to use SBI Unipay or Airtel for now.

 

[mgforce]

Can you confirm what name you're seeing in otp message?

CCAVENUE CO in the OTP message

 

[mgforce]

If there is credit message from HDFC Bank for card payment via SBI Unipay, it that a failed one?

Or later credit also likely?

SBI Unipay says success, but feel like it was not.

 

[Pravin1156]

Me & 1 more guy didn't receive the points this month for Canara Setu Payments.

I suggest you to use SBI Unipay or Airtel for now.

Wait till this month 20th Oct then points will be credited. You done transaction on Sep month at Canara Setu right?

 

[leonneel]

What is the status of indusind dc after recent devaluation? I read in msg that rp value is gonna be 0.17 p something instead of 0.35p?

 

[BhaiyaJi]

What is the status of indusind dc after recent devaluation? I read in msg that rp value is gonna be 0.17 p something instead of 0.35p?

Depends on the card variant.

 

[OptiCard]

Wait till this month 20th Oct then points will be credited. You done transaction on Sep month at Canara Setu right?

3rd October. This month only.

Generally, Platinum debit card max used to take a week.

 

[TechnoFi]

By the time I came to know about getting cashback by paying cc bills through sbi unipay, I assumed the hsbc dc offer was over.
So till now i have always used hdfc platinum dc to pay via sbi uni pay and have received 1% upto 750 pm.
But Since, now I have come to know about the hsbc offer getting extended, i will try again., but the cashback posting time is too much so will come to know only after 2 months, I have a payment coming up at end of this month and will track it and let you know.

The strategy I will try to use is the combination of follows :
1) pay from sbi uni pay using platinum dc for 1% - keep using this till you reach 750 pm
2) pay the remaining cc bills of the month using hsbc dc - keep note of the transaction and track the cb status, if we get it then there is no upper cap and offer is valid till 31st Jan then you instead of other modes we can just use hsbc dc 🙂 , but remember this offer is only for salary account holders and min transaction of 1k.
2) pay using sbi unipay through sbi dc - physical card and rupay virtual for 2x - there is new oct offer going as well, refer to this thread, i guess this offer is for oct month.

So you can use a combination of these and plan your cc bill payment accordingly.

4th one is, pay via mobikwik, apply "FULLPAY" code to get 01% CB.

 

[CardSeeker]

After recent changes
Indus MC and Indus Visa

Which sites are working For both above cards ?

 

[Narayana526]

Normally, in how many days do we get points for IDFC Wealth DC transactions done in SBIUnipay

 

[Vickymaster1010]

can i use sbi upipay for sbi payment?

 

[Indrajeet100]

So what is final outcome if we pay Amex bill on amex billdesk via idfc first tap debit card, does it earn any points. Any other rupay dc which gives rewards for this mode of amex bill payment

 

[CardSeeker]

So what is final outcome if we pay Amex bill on amex billdesk via idfc first tap debit card, does it earn any points. Any other rupay dc which gives rewards for this mode of amex bill payment

No...... U Won't Get

 

[nishank]

What is the status of indusind dc after recent devaluation? I read in msg that rp value is gonna be 0.17 p something instead of 0.35p?

Now when did this happen?

 

[6ix9ine]

can i use sbi upipay for sbi payment?

Yes, I use that

 

[Abhigyan kumar]

Yes, I use that

I have generated sbi visa virtual debit card can you tell me how can I pay my cc bill to get 1.25%

 

[sm9811911]

Indusind Visa Platinum card has been devalued w.e.f 1st November, so removed from the main list.

Can still use it in October and redeem points in October itself. Else all existing points will be valued at 0.15p

Debit Card Offer Changes

www.indusind.com

 

[neo.puneet]

are you guys able to redeem the indus points, i have tried in the last few days via app/website and have been unsuccessful

 

[6ix9ine]

I have generated sbi visa virtual debit card can you tell me how can I pay my cc bill to get 1.25%

read first page, calculation is of physical card, not virtual.

D

Thread 'SBI Rewardz: Upto 5X*/10X* RP under October Carnival Campaign'

Sep 4, 2024

SBI is back with new campaign for month of October.
Carnival 5.0 with SBI Rewardz

Terms & Conditions

Minimum spend Rs. 2000/- in SBI Debit Card Spends through both online and offline

5X accelerated points where x = regular points. Up to 1000 reward points per transaction with a cap of 10,000 reward points during the campaign.

Example: With Physical SBI Debit Card, for 10K txn, you will get 100 points and rest 400 points by Nov 30, 2024.

To be eligible for extra 4X points, minimum cumulative spend of Rs. 2000/- is necessary through SBI Debit Card. SBI...

• desiviru
• sbi
• Replies: 674
• Forum: Debit Card Offers

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