Trick to Pay HDFC CC Bill more then bill amount Using Debit Card via Third-Party Apps/Websites

[kiwi195]

Users of Setu, please share your refund experience on failed transactions if any. Is there anything to worry about? Got a 13k bill stuck. Paying the bill is not a problem but will I have to take any steps from my end to get the amount back?

 

[anonymuos]

This trick should work also for Yes Bank, Canara Bank and Punjab Nalayak Bank

 

[H4CK_H0PP3R]

Regular DC benefits that you have. I am using Fi, SBI and IDFC DCs. Only benefit of PayZapp is that we can use DC for payments..

Are you referring for hdfc platinum dc we will get 1% cb ? Same question for idfc dc (1.67% rps I guess?) . I do have this 2 dc for now. Idfc is basic dc (classic visa). I am looking for any portal which gives some benefits with dc in terms of cb or rps instead of sbi unipay as it does not allows outstanding at all.

 

[Sathishmani]

Are you referring for hdfc platinum dc we will get 1% cb ? Same question for idfc dc (1.67% rps I guess?) . I do have this 2 dc for now. Idfc is basic dc (classic visa). I am looking for any portal which gives some benefits with dc in terms of cb or rps instead of sbi unipay as it does not allows outstanding at all.

I don't have hdfc. I'm getting reward for Fi, SBI and IDFC DCs

 

[H4CK_H0PP3R]

I don't have hdfc. I'm getting reward for Fi, SBI and IDFC DCs

Ok, which idfc dc account you have? Can you mention that as well? & What rewards are there? Same question for SBI.

 

[Sathishmani]

Ok, which idfc dc account you have? Can you mention that as well? & What rewards are there? Same question for SBI.

SBI
Standard Reward: Earn 2 points for every Rs. 200 spent.
Milestone Bonus: Earn 1,000 points for every Rs. 1 lakh spent.

IDFC
Select DC: Earn 2 points for every Rs. 150 spent.
Wealth DC: Earn 3 points for every Rs. 150 spent.

1 Reward Points = ₹0.25

 

[Sathishmani]

SBI
Standard Reward: Earn 2 points for every Rs. 200 spent.
Milestone Bonus: Earn 1,000 points for every Rs. 1 lakh spent.

IDFC
Select DC: Earn 2 points for every Rs. 150 spent.
Wealth DC: Earn 3 points for every Rs. 150 spent.

1 Reward Points = ₹0.25

Birthday Bonus also available in SBI.

 

[pankajshah]

Can someone please help me understand how to use SBI Unipay Portal. I tried the same once for paying HDFC DCB CC bill it was showing an error. (Did not take a screenshot for future reference). Is there something I am missing. Also I tried using PayZapp for paying the CC bill it did not give me an option to pay through DC, it directly took the balance of my HDFC Account. Some guidance on this will helpful.

 

[6ix9ine]

Can someone please help me understand how to use SBI Unipay Portal. I tried the same once for paying HDFC DCB CC bill it was showing an error. (Did not take a screenshot for future reference). Is there something I am missing. Also I tried using PayZapp for paying the CC bill it did not give me an option to pay through DC, it directly took the balance of my HDFC Account. Some guidance on this will helpful.

What exactly do you want to know? It's pretty simple already.

 

[pankajshah]

What exactly do you want to know? It's pretty simple already.

I am sure it is, was just trying to check, if i am missing something. Or if anyone has faced similar error and if there is any walk around for such issues. Anyways will try again next month to see if it works or not.

 

[Deepak_Shetty]

As we know, HDFC doesn’t allow you to pay more than your last statement's outstanding balance via BBPS. While you can pay using NetBanking, it typically doesn't offer cashback.

For those who want to pay in advance and keep their outstanding balance minimal while earning cashback on their Debit Card, here’s a trick:

Steps to Pay in Advance via SBI Unipay Portal:​

1️⃣ Open SBI Unipay portal on a different browsers or devices.

• Important: Using the same browser with different tab may not work. Use a separate browser or another device.

2️⃣ Fetch your HDFC Credit Card bill on the Unipay portal on each browser tabs

3️⃣ Enter your desired payment amount (within the allowed limit) in multiple tabs. Eg: If bill amount is 100 you can Tab1=100 Tab2=90 Tab3=100

4️⃣ Click the "Pay" button on each tab to initiate the transactions.

5️⃣ Enter OTPs simultaneously for all the tabs.

• A small time difference (3,4 second) won’t cause an issue.

6️⃣ Each tab’s payment will process successfully, allowing you to pay as much as you want in advance.

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Advantages:​

• You can reduce your credit card outstanding balance to keep finances in check.
• Earn cashback on your Debit Card payments.

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Note:​

• This workaround is particularly useful for HDFC CC users who want to bypass the BBPS limitation.

Airtel thanks app will also give option to edit bill amount (more than outstanding) but eventually it will end up with the refund.🤣