PhonePe Showing Option To Pay Credit Card Bill from Debit Card

[MrJJ]

I was just checking PhonePe and found that it was showing Add Debit Card option on Credit Card Bill Payment (screenshot attached). It also supports HDFC Credit Card Bill Payment.
Platform fee is fixed ₹1 whether bill amount is ₹10 or ₹100,000.
Just wondering if anyone tried it?

 

[MrJJ]

Off topic but how does one find MCC?

IDFC CC show it in the statement. For others you have ask the customer care either via email or call.

 

[MrJJ]

hdfc plat dc will give 1% on freecharge website?

Yes, it will.

 

[MrJJ]

So it'll be eligible for points in millennia dc?

No, it's in the exclusion list.

 

[HumorSimpson]

IDFC CC show it in the statement. For others you have ask the customer care either via email or call.

Not showing for me.

 

[BeingIncog]

Not showing for me.

not statement per se but transaction section and then receipt.

 

[MrJJ]

Not showing for me.

Check here

All Ways To Get MCC Codes ?

I think a thread for all the ways to get MCC of merchants using various bank payment modes is very useful. Hence creating a complete thread for this ... Ways I know of: ( Will Update All Different Ways in the initial post ) - IDFC Smart Statement using net banking on their website ( In...

www.technofino.in

 

[HumorSimpson]

not statement per se but transaction section and then receipt.

It is showing category. Not MCC.

 

[BeingIncog]

It is showing category. Not MCC.

 

[MrJJ]

In SBI Card App you can see category in the spend analyzer. No MCC, you have to guess or ask the customer care.

 

[sid16]

This looks great. I have a 11L bill on Infinia to pay this month. Can I pay via HDFC platinum debit card and earn 1% points? Is there a cap on DC RPs per day or per month?

If you want uncapped DC returns, you can use Burgundy debit card, if you have a Burgundy account with Axis.

 

[infinia_finally]

If you want uncapped DC returns, you can use Burgundy debit card, if you have a Burgundy account with Axis.

Thanks, but nopes, don't already have one. And looks like the amount needed as AQB for burgundy is 10L. The loss of interest / opportunity due to that is much more than 1% cashback on 11L CC bill. I guess it works for people who already have that.

 

[FinoGuy]

No, it's in the exclusion list.

What about spend based offers? Excluded there too?

 

[Abhishek012]

hdfc cc bill payment via hdfc plat dc will give 1% on freecharge website?

Yes but max 1k+1k is free through DC. Dnt know if any changes recently.

 

[Abhishek012]

@VISHESH_BANSAL JD website also have DC option for credit card bill payment but max 1k is free.

Ab multiple times 1k ya only 1 time 1k pata nahi. Kabhi try kiye ho ?

 

[sid16]

Thanks, but nopes, don't already have one. And looks like the amount needed as AQB for burgundy is 10L. The loss of interest / opportunity due to that is much more than 1% cashback on 11L CC bill. I guess it works for people who already have that.

Yes, we have had Burgundy for many years. If you have your family personal and business banking ecosystem in Axis, maintaining Burgundy is easy.

 

[VISHESH_BANSAL]

@VISHESH_BANSAL JD website also have DC option for credit card bill payment but max 1k is free.

Ab multiple times 1k ya only 1 time 1k pata nahi. Kabhi try kiye ho ?

Rs.1 Test ke liye kiya thha For MCC🤣

Uske baad dubara txn nhi karne di🤣

 

[sm9811911]

If you want uncapped DC returns, you can use Burgundy debit card, if you have a Burgundy account with Axis.

What's the reward structure? Any link to post (not thread) would be appreciated

 

[Abhishek012]

Rs.1 Test ke liye kiya thha For MCC🤣

Uske baad dubara txn nhi karne di🤣

Konsa mcc tha ?

 

[VISHESH_BANSAL]

Konsa mcc tha ?

 

[Abhishek012]

View attachment 41505

Batao batao.. mai tumhe next month trick share karunga 5% SBI Cashback credit card ka.