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Top 5 Ways to Transfer from CC to bank(March 2023)

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kshitij_0

kshitij_0

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Hi guys,
I would love to know your top 5 ways through which you generally prefer to transfer money from CC to bank and why?
We all can get benefitted from this and will keep UPDATING the list on monthly basis in the same thread to avoid confusion.
And please vote the answer which you find most useful, that way we can choose the best method.
 
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kshitij_0 said:
Hi guys,
I would love to know your top 5 ways through which you generally prefer to transfer money from CC to bank and why?
We all can get benefitted from this and will keep UPDATING the list on monthly basis in the same thread to avoid confusion.
And please vote the answer which you find most useful, that way we can choose the best method.
Click to expand...
Actually the best way is.. Get an. IDFC CC
..they have free cash withdrawal upto 10k with 199 charges.. use cash.. pay back on time.. even if you roll over.. lowest interest starting 9% p. a instead of the 35-48% charged by other CCs.. This beats trying to find hacks of cc to bank through multiple wallet loads and pays and transfers...
 
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kshitij_0 said:
Hi guys,
I would love to know your top 5 ways through which you generally prefer to transfer money from CC to bank and why?
We all can get benefitted from this and will keep UPDATING the list on monthly basis in the same thread to avoid confusion.
And please vote the answer which you find most useful, that way we can choose the best method.
Click to expand...
Previously since 2019 I was using hdfc smart hub vypar merchant services to transfer money from cc to bank they had literally 0 charges on cc payment through sms pay.
But now they charge 1.65% and 18%gst on 1.65 for cc.
Still if you use sbi cashback cc for sms payment mode on smart hub you can get 5% cb on that transaction.
 
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Zacobite said:
Actually the best way is.. Get an. IDFC CC
..they have free cash withdrawal upto 10k with 199 charges.. use cash.. pay back on time.. even if you roll over.. lowest interest starting 9% p. a instead of the 35-48% charged by other CCs.. This beats trying to find hacks of cc to bank through multiple wallet loads and pays and transfers...
Click to expand...
Don't mind,
But It's very bad idea,
Physically go to ATM, and carry that to bank & deposit or even if you deposit via machine at the same place, still it'll take more expense & work than anything else that too with charges which already amounts to minimum 18% p.a. & additional interest taken by bank.

lol, I wrote too much for such a small thing.
 
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ATMs are everywhere and Cash is king.. still better than load this, move to that, find a new app every month ( random unknown ones).. And not sure why 18 %..If you don't want to roll money's month on month then 199 p. m, and if u roll then idfc is at 9%.. not sure if u and me are really saying the same... i don't mind.. its your opinion 🙂 and you are entitled to one

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Check out joining fees, annual fees, add-on card fees along with the complete list of credit card fees & charges applicable on IDFC FIRST Bank Credit Cards here.
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Tried Uber>Paytm>Payzapp. Could do 20k but now it's throwing this error, I tried with small amounts like 100, it's not working.
Anyone else is also facing this?
 

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Zacobite said:
ATMs are everywhere and Cash is king.. still better than load this, move to that, find a new app every month ( random unknown ones).. And not sure why 18 %..If you don't want to roll money's month on month then 199 p. m, and if u roll then idfc is at 9%.. not sure if u and me are really saying the same... i don't mind.. its your opinion 🙂 and you are entitled to one

Credit Card Fees and Charges | IDFC FIRST Bank

Check out joining fees, annual fees, add-on card fees along with the complete list of credit card fees & charges applicable on IDFC FIRST Bank Credit Cards here.
www.idfcfirstbank.com www.idfcfirstbank.com
Click to expand...
That 9% interest is not available for everyone. My card was showing 36%, later they reduced to 30%. I never used credit rolling, have a good and long credit history.
 
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