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Organized list of rewarding CC bill payment methods?

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pxg

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Here are the ones I know so far:

Debit Card:
  • RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
  • HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback (difficult with Paytm ban)
  • HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
  • IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
  • Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
  • SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
  • Axis Burgundy DC + Magnus CC for Burgundy - 0.8% reward rate when transferring ER at 5:4 ratio
Apps:
  • CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd) for payments above ₹50k.
  • Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
  • CheQ: Coins devalued heavily. Minimum payment ₹50k.
  • Paytm: Cashpoints/Rewards devalued, platform fee (₹4) added. Payment via Visa DC only, since wallet load has been banned.
  • Park+: Slowest settlement. Rewards not tested.
Banks:
  • Axis Liberty Account: ₹60k/quarter or ₹20k/month in payments for ₹750 voucher (+ you need to spend ₹5k for ₹25k total/month)
  • IndusInd Indie Megastar tier Account: 5 unique CC payments of minimum ₹500 per month for 500 gems per month (1 Gem = ₹1)
  • IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month on first bill payment every month. This is separate from CC rewards.
Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.
 
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pxg said:
Here are the ones I know so far:

Debit Card:
  • RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
  • HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback
  • HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
  • IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
  • Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
  • SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
  • IDFC First DC: 0.33% (First Rewards) when redeeming for GV (similar to IndusInd DCs in terms of MCCs allowed with lower rewards?) (No RP loopholes remaining)
  • Axis Burgundy DC + Magnus CC for Burgundy - 0.8% reward rate when transferring ER at 5:4 ratio
Apps:
  • CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd) for payments above ₹50k.
  • Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
  • CheQ: Coins devalued to 💩. Only useful for certain amounts and cards.
  • Paytm: Cashpoints devalued to 💩. Only useful for certain cards.
  • Park+: Current alternative to CheQ for DC rewards (IndusInd).
Banks:
  • Axis Liberty Account: ₹60k/quarter or ₹20k/month in payments for ₹750 voucher (+ you need to spend ₹5k for ₹25k total/month)
  • IndusInd Indie Account: 8 unique CC payments of minimum ₹500 per month for 200 gems per month (1 Gem = ₹1)
  • IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month (separate from CC rewards) on first bill payment (unreliable)
Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.
Click to expand...
One Request
Please give detail process for CC Bill Payment using HDFC Platinum DC
Tried many times but unable to add Credit Card
Thank in advance 😄
 
Upvote 0 Downvote
pxg said:
Here are the ones I know so far:

Debit Card:
  • RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
  • HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback
  • HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
  • IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
  • Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
  • SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
  • IDFC First DC: 0.33% (First Rewards) when redeeming for GV (similar to IndusInd DCs in terms of MCCs allowed with lower rewards?) (No RP loopholes remaining)
  • Axis Burgundy DC + Magnus CC for Burgundy - 0.8% reward rate when transferring ER at 5:4 ratio
Apps:
  • CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd) for payments above ₹50k.
  • Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
  • CheQ: Coins devalued to 💩. Only useful for certain amounts and cards.
  • Paytm: Cashpoints devalued to 💩. Only useful for certain cards.
  • Park+: Current alternative to CheQ for DC rewards (IndusInd).
Banks:
  • Axis Liberty Account: ₹60k/quarter or ₹20k/month in payments for ₹750 voucher (+ you need to spend ₹5k for ₹25k total/month)
  • IndusInd Indie Account: 8 unique CC payments of minimum ₹500 per month for 200 gems per month (1 Gem = ₹1)
  • IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month (separate from CC rewards) on first bill payment (unreliable)
Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.
Click to expand...
Superb thread 🙌
 
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pxg said:
Here are the ones I know so far:

Debit Card:
  • RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
  • HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback
  • HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
  • IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
  • Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
  • SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
  • IDFC First DC: 0.33% (First Rewards) when redeeming for GV (similar to IndusInd DCs in terms of MCCs allowed with lower rewards?) (No RP loopholes remaining)
  • Axis Burgundy DC + Magnus CC for Burgundy - 0.8% reward rate when transferring ER at 5:4 ratio
Apps:
  • CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd) for payments above ₹50k.
  • Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
  • CheQ: Coins devalued to 💩. Only useful for certain amounts and cards.
  • Paytm: Cashpoints devalued to 💩. Only useful for certain cards.
  • Park+: Current alternative to CheQ for DC rewards (IndusInd).
Banks:
  • Axis Liberty Account: ₹60k/quarter or ₹20k/month in payments for ₹750 voucher (+ you need to spend ₹5k for ₹25k total/month)
  • IndusInd Indie Account: 8 unique CC payments of minimum ₹500 per month for 200 gems per month (1 Gem = ₹1)
  • IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month (separate from CC rewards) on first bill payment (unreliable)
Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.
Click to expand...
U can also add UBI visa signature debit card for unlimited 1% (on platforms other than mobikwick)
 
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Do add Mobikwik as well. Mobikwik fullpay + hdfc millennia gives around 2% cashback for bills upto 10k.
Also fullpay can be used for multiple bill payments not just first of month.
 
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