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TRICK TO TRANSFER DUES OF ONE CREDIT CARD TO ANOTHER WITHOUT ANY CHARGES( MIN 2 RUPAY CREDIT CARDS REQUIRED)

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Batmanbaba

Batmanbaba

TF Legend
FOR THIS minimum requirements....

1 . two rupay credit cards linked with upi( ex bob premier rupay card,hdfc tata neu rupay card)

2. u can pay bill of visa,amex,mastercard and even rupay cards using this......

3. snap pay account



suppose u have HDFC MILLENA VISA CARD...YOUR CURRENT MONTH DUES IS 3000 rs.....u can pay that/transfer that amount to another rupay card....by paying 3000 bill of millenia card using snap pay...via upi....(no charges)....just enter the upi id of paytm upi id with linked rupay credit card and this bill will be paid using ur rupay credit card.



now suppose u use bob rupay card for this 3000 payment....so next month...ur dues for rupay bob card will be 3000 rs.....

now u can again pay this 3000 dues using ur second rupay card via same method....lets say u use tata neu rupay card...now for next month ur tata neu rupay card dues will be 3000..u can again use bob premier rupay for payment......this cycle can be continued between rupay cards...till credit card upi is launched for visa,mc and amex,diners....



this can be benficial for people who want genuinely....emi transactions....( not for no cost emi discount...then cancelling it) and they dont have to pay emi charges,processing charges.etc...and pay final amount when u choose to......like 3 months,6 months etc...( they can roate the amount between two rupay cards and pay the full amount when they want)



this to and fro can be continued between two rupay cards but currently visa,amaex and mc and be used only once tp tranfer the amount ( via pay bill)from visa/mastercard/amex/diners) as they dont have credit card upi facility....



snapay supports following bank credit cards payment.....and they credit amount mostly on next working day...



i have tried paytm upi and mentioned it in my example as...its works almost everytime...gpay,phonepe are a hit and miss...so u can try

i have not tested for diners/amex as i dont have them.



u should have the limit on ur rupay cards ...u can to transfer form visa/rupay/mc/diner/amex....like if ur rupay card limit is 80000...u can transfer max 80000 ( pay bill of other cards) nad there ARE NO CHARGES FOR BILL PAYMENT VIA UPI FROM SNAPAY AND U CAN GET REWARD POINTS TOO...




P.S ....IN the end u have to pay dues in full....this method just gives an option to juggle it between two cards till u want....
 

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akimo said:
Was your transaction similar (payment of cc bill with rupay cc) ?
If yes, how did you explain the nature of payment during raising charge back?
Click to expand...
When I mentioned disputed transaction, my call was transferred to axis premium services, and lucky me😁, the lady didn't ask me the nature, she just confirmed "was that online transaction; do you have your card with you"?
 
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Another trick of sorts maybe, I accidentally stumbled upon. I have indusind legend card, and I recently opened indusind select account. So, I basically have two logins. I wanted to pay my federal bank credit card bill, and I logged in via credit card user id (this is still not linked to the account). So, on the Bill payment page, the drop down only had legend credit card as payment option, so I proceeded with it.
I managed to replicate this for other card payments too(except hdfc, since they don't show up on BBPS). So, now I'm using indus ind credit card to pay bills for other credit cards. (Not sure if someone has reported this already, couldn't find in forum)
 
Upvote 0 Downvote
Batmanbaba said:
FOR THIS minimum requirements....

1 . two rupay credit cards linked with upi( ex bob premier rupay card,hdfc tata neu rupay card)

2. u can pay bill of visa,amex,mastercard and even rupay cards using this......

3. snap pay account



suppose u have HDFC MILLENA VISA CARD...YOUR CURRENT MONTH DUES IS 3000 rs.....u can pay that/transfer that amount to another rupay card....by paying 3000 bill of millenia card using snap pay...via upi....(no charges)....just enter the upi id of paytm upi id with linked rupay credit card and this bill will be paid using ur rupay credit card.



now suppose u use bob rupay card for this 3000 payment....so next month...ur dues for rupay bob card will be 3000 rs.....

now u can again pay this 3000 dues using ur second rupay card via same method....lets say u use tata neu rupay card...now for next month ur tata neu rupay card dues will be 3000..u can again use bob premier rupay for payment......this cycle can be continued between rupay cards...till credit card upi is launched for visa,mc and amex,diners....



this can be benficial for people who want genuinely....emi transactions....( not for no cost emi discount...then cancelling it) and they dont have to pay emi charges,processing charges.etc...and pay final amount when u choose to......like 3 months,6 months etc...( they can roate the amount between two rupay cards and pay the full amount when they want)



this to and fro can be continued between two rupay cards but currently visa,amaex and mc and be used only once tp tranfer the amount ( via pay bill)from visa/mastercard/amex/diners) as they dont have credit card upi facility....



snapay supports following bank credit cards payment.....and they credit amount mostly on next working day...



i have tried paytm upi and mentioned it in my example as...its works almost everytime...gpay,phonepe are a hit and miss...so u can try

i have not tested for diners/amex as i dont have them.



u should have the limit on ur rupay cards ...u can to transfer form visa/rupay/mc/diner/amex....like if ur rupay card limit is 80000...u can transfer max 80000 ( pay bill of other cards) nad there ARE NO CHARGES FOR BILL PAYMENT VIA UPI FROM SNAPAY AND U CAN GET REWARD POINTS TOO...




P.S ....IN the end u have to pay dues in full....this method just gives an option to juggle it between two cards till u want....
Click to expand...


Is this patched or still working?
 
Upvote 0 Downvote
Batmanbaba said:
FOR THIS minimum requirements....

1 . two rupay credit cards linked with upi( ex bob premier rupay card,hdfc tata neu rupay card)

2. u can pay bill of visa,amex,mastercard and even rupay cards using this......

3. snap pay account



suppose u have HDFC MILLENA VISA CARD...YOUR CURRENT MONTH DUES IS 3000 rs.....u can pay that/transfer that amount to another rupay card....by paying 3000 bill of millenia card using snap pay...via upi....(no charges)....just enter the upi id of paytm upi id with linked rupay credit card and this bill will be paid using ur rupay credit card.



now suppose u use bob rupay card for this 3000 payment....so next month...ur dues for rupay bob card will be 3000 rs.....

now u can again pay this 3000 dues using ur second rupay card via same method....lets say u use tata neu rupay card...now for next month ur tata neu rupay card dues will be 3000..u can again use bob premier rupay for payment......this cycle can be continued between rupay cards...till credit card upi is launched for visa,mc and amex,diners....



this can be benficial for people who want genuinely....emi transactions....( not for no cost emi discount...then cancelling it) and they dont have to pay emi charges,processing charges.etc...and pay final amount when u choose to......like 3 months,6 months etc...( they can roate the amount between two rupay cards and pay the full amount when they want)



this to and fro can be continued between two rupay cards but currently visa,amaex and mc and be used only once tp tranfer the amount ( via pay bill)from visa/mastercard/amex/diners) as they dont have credit card upi facility....



snapay supports following bank credit cards payment.....and they credit amount mostly on next working day...



i have tried paytm upi and mentioned it in my example as...its works almost everytime...gpay,phonepe are a hit and miss...so u can try

i have not tested for diners/amex as i dont have them.



u should have the limit on ur rupay cards ...u can to transfer form visa/rupay/mc/diner/amex....like if ur rupay card limit is 80000...u can transfer max 80000 ( pay bill of other cards) nad there ARE NO CHARGES FOR BILL PAYMENT VIA UPI FROM SNAPAY AND U CAN GET REWARD POINTS TOO...




P.S ....IN the end u have to pay dues in full....this method just gives an option to juggle it between two cards till u want....
Click to expand...
Now I am getting calls from Snapay staff that there will be 1.05% fee on payment done using RuPay CC via UPI. Any other loophole for the same? The snap pay thing seems to be coming to an end.
 
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bombaymaverick said:
Now I am getting calls from Snapay staff that there will be 1.05% fee on payment done using RuPay CC via UPI. Any other loophole for the same? The snap pay thing seems to be coming to an end.
Click to expand...
Clearly mentioned on Snapay app -

Snapay.jpg
 
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wizardArrived said:
Another trick of sorts maybe, I accidentally stumbled upon. I have indusind legend card, and I recently opened indusind select account. So, I basically have two logins. I wanted to pay my federal bank credit card bill, and I logged in via credit card user id (this is still not linked to the account). So, on the Bill payment page, the drop down only had legend credit card as payment option, so I proceeded with it.
I managed to replicate this for other card payments too(except hdfc, since they don't show up on BBPS). So, now I'm using indus ind credit card to pay bills for other credit cards. (Not sure if someone has reported this already, couldn't find in forum)
Click to expand...
Was bill payment successful. Which options are there for cc? It is possible for axis?
 
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sousnake said:
Was bill payment successful. Which options are there for cc? It is possible for axis?
Click to expand...
It worked for federal. but failed for RBL card and got reverted. I'll try to repeat this next month and see if it works. But, I think it might have been a glitch in their system which might get patched soon.
IndusInd bill pay does not allow to add any different payment methods other that indusind account/debit card/ credit card which are linked to the user id you logged in from during cc payments.
No comments on Axis, I don't have axis cc/bank account.
 
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wizardArrived said:
It worked for federal. but failed for RBL card and got reverted. I'll try to repeat this next month and see if it works. But, I think it might have been a glitch in their system which might get patched soon.
IndusInd bill pay does not allow to add any different payment methods other that indusind account/debit card/ credit card which are linked to the user id you logged in from during cc payments.
No comments on Axis, I don't have axis cc/bank account.
Click to expand...
Didn't work for SBI and failed for AU.
 
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