Rent Payment Platform without PAN card and limits

[sousnake]

Hi Community Members,

I wanted to discuss what platforms supports rent payment without owners PAN card. And what is the corresponding limit on these platforms on monthly basis.

This can be helpful for members whose owners are not sharing PAN card or are demanding extra 5% to share PAN card details. I have found this common in PG's and Colive in and around. So any insights will be helpful.


I have added a draft master table, Please suggest and will update accordingly..Try editing the below table as well.

Platform	PAN Required	Net Platform Charges*	Rent Agreement Required	Card Acceptance	Best Card/Site
RedGiraffe	YES	0.46%	Yes	All, except AMEX	Amex Plat through PayZapp
MagicBricks		0% to 1.76%	Yes for 0% fees	All, except AMEX
99Acres		1.17%	No	All, except Diners
NoBroker		1.3%	Optional	All, except AMEX
Freecharge		1.47%	Optional	All, except AMEX
Housing	YES	1.61%	No	All
CRED	YES	1.8%	No	All, except AMEX
PhonePe	YES	2%	No	All
PayTM		2.2%	No	All, except AMEX
Mobikwik	NO	2.36%	No	All, except AMEX
PayMatrix		2.36%	No	All, except AMEX

Credit Card Charges and MCC:

Credit Card Charges: Now almost every bank is charging 1% + GST = 1.18%

Credit Card Issuers	Rental MCC & Charges	Education Fees MCC & Charges	Reward Points Earn ?
HDFC	6513 | 1.18%
Amex	| 0 %
Axis (Atlas)

Didn't get what you mean by -
Amex plat through payzapp.
Afaik payzapp doesn't allow amex.

 

[cc_dc_explorer]

Didn't get what you mean by -
Amex plat through payzapp.
Afaik payzapp doesn't allow amex.

I'll update it.

 

[cc_dc_explorer]

If someone is editing this post, please update it correctly in right columns. It seems the order has been messed up 😅. Attached the screenshot of current table.

 

[moneyMaker]

And housing.com works on edu payments but not rent

lol, "housing" is in the name.

 

[DaDarkkNight]

lol, "housing" is in the name.

what you mean?

 

[superstar@123]

lol, "housing" is in the name.

Thats correct name !
Housing means housing.com !

 

[nayra]

How do you pay using HDFC billpay, your society must be registered. otherwise you might use RedGiraffe etc... for that they will charge .46% and hdfc will charge additional 1%+GST

So 3rd party or not, 1% will be there? And No RPs I assume in either case?

 

[cc_dc_explorer]

So 3rd party or not, 1% will be there? And No RPs I assume in either case?

That's correct. No RP as well in case of HDFC a/c to their latest update. I have paid my rent using HDFC, let's see. I'll update when my statement is generated.

 

[moneyMaker]

Which cards provide RP's on edu & rent payments?

 

[nayra]

That's correct. No RP as well in case of HDFC a/c to their latest update. I have paid my rent using HDFC, let's see. I'll update when my statement is generated.

So total 1.18% by HDFC and 0.46% by RedGiraffe? Still a loss even if we recover 1% using DC...

P.S. ETA of statement? Will remind you if required 😉

 

[cc_dc_explorer]

Which cards provide RP's on edu & rent payments?

Milestone based cards. Indirectly you cover the milestones and get rewards or bonus RP or voucher or flight ticket

 

[nayra]

Seems I'm unable to edit but can anyone add Onecard
In app - 2% + GST - no RPs
Rental MCC 3rd Party - 1% + GST, RPs not sure, not eligible for 5x though

 

[cc_dc_explorer]

So total 1.18% by HDFC and 0.46% by RedGiraffe? Still a loss even if we recover 1% using DC...

P.S. ETA of statement? Will remind you if required 😉

Yes.
I’m primarily doing this to increase my spend on my card to get infinia. I’ll do this for next 6 months. So small 1% will not affect me , I can get more rewards once I get Infinia. Also I don’t want to go via ULIP route

 

[nayra]

Yes.
I’m primarily doing this to increase my spend on my card to get infinia. I’ll do this for next 6 months. So small 1% will not affect me , I can get more rewards once I get Infinia. Also I don’t want to go via ULIP route

Does it count towards card milestones similar to spends?

And HDFC Billpay Rent had no charges once per month or something, is that discontinued? Did you get the 1.18% charge on the statement already or are you expecting it?

 

[cc_dc_explorer]

Does it count towards card milestones similar to spends?

And HDFC Billpay Rent had no charges once per month or something, is that discontinued? Did you get the 1.18% charge on the statement already or are you expecting it?

I think so, for other cards it does, but not sure about HDFC.

 

[moneyMaker]

I’m primarily doing this to increase my spend on my card to get infinia. I’ll do this for next 6 months

Which hdfc card you have currently and whats the spend criteria to get Infinia, and whats the credit limit eligibility?

 

[cc_dc_explorer]

Does it count towards card milestones similar to spends?

And HDFC Billpay Rent had no charges once per month or something, is that discontinued? Did you get the 1.18% charge on the statement already or are you expecting it?

Yes, it is discontinued as I do not see it written anywhere and also in the recent email that HDFC has sent to all CC customers it is not mentioned. You can refer here.. https://www.hdfcbank.com/personal/pay/bill-payments/rent-payment/faqs-rent-payment

Waiting for statement, will take another 10 days.

 

[cc_dc_explorer]

Which hdfc card you have currently and whats the spend criteria to get Infinia, and whats the credit limit eligibility?

For Infinia, 8L or 7.5L (in some cases) spends is required. CL eligibility is blurred coz sometimes people get with low CL as well. However 6-8L is the required limit.

 

[nayra]

Yes, it is discontinued as I do not see it written anywhere and also in the recent email that HDFC has sent to all CC customers it is not mentioned. You can refer here.. https://www.hdfcbank.com/personal/pay/bill-payments/rent-payment/faqs-rent-payment

Waiting for statement, will take another 10 days.

This seems only regarding 3rd parties and not HDFC billpay, hoping that you don't get the 1.18% charge!

 

[Zacobite]

Hi Community Members,

I wanted to discuss what platforms supports rent payment without owners PAN card and rent agreement. This can be helpful for members whose owners are not sharing PAN card or are demanding extra 5% to share PAN card details. I have found this common in PG's and Colive in and around. So any insights will be helpful.

UPDATE:
I have paid a rent of 30500 using RedGirraffe. I paid using my HDFC card using PayZapp. I'll update total charges

• RedGiraffe: 30500 (Rent) + 140.36 (0.46% charges)​
• HDFC CC : Yet to be billed.​

I have added a draft master table. This is a wiki post, so please update the information in the below tables if you have any updates.

Platform	PAN Required	Net Platform Charges*	Rent Agreement Required	Card Acceptance	Best Card/Site
RedGiraffe	YES	0.46%	Yes	All, except AMEX
MagicBricks		0% to 1.76%	Yes for 0% fees	All, except AMEX
99Acres		1.3%	No	All, except Diners
NoBroker	YES	1.3%	Optional	All, except AMEX
Freecharge	YES	1.47%	Optional	All, except AMEX
Housing	YES	1.61%	No	All, except AMEX
CRED	YES	1.8%	No	All, except AMEX
PhonePe	YES	2%	No	All, except AMEX
PayTM		2.2%	No	All, except AMEX
Mobikwik	NO, upto 49,999	2.5%	No	All, except AMEX
PayMatrix		2.36%	No	All, except AMEX

Credit Card Charges and MCC:
Credit Card Charges: Now almost every bank is charging 1% + GST = 1.18%

Credit Card Issuers	Rental MCC & Charges	Education Fees MCC & Charges	Reward Points Earn ?
HDFC	6513 | 1.18%		NO RP's.
Amex	| 0 %
Axis (Atlas)

i think hdfc doesn't chg anything on RG.. can u double chk