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Trick to transfer rupee credit card to self savings account with phone pe

This trick is about transferring money from rupee credit card to saving account.
I found this trick from sip section of phone pe.
Open the upcoming sip in phonepe at the end you will find URMN. Copy that URMN, open bhim app go to send money and paste the URMN, enter the amount and you are done. I used this trick to transfer money from hdfc rupee credit card to sbi saving account. Amount gets credited in savings account instantly.
 

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This trick is about transferring money from rupee credit card to saving account.
I found this trick from sip section of phone pe.
Open the upcoming sip in phonepe at the end you will find URMN. Copy that URMN, open bhim app go to send money and paste the URMN, enter the amount and you are done. I used this trick to transfer money from hdfc rupee credit card to sbi saving account. Amount gets credited in savings account instantly.
is it still working ?

can u explain more by step by step ?
 
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