Best method to pay Credit Card bills from debit cards and other credit cards (updated periodically) - 2024 version
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Valid as on 23rd April 2024. I will keep on updating here and also on https://twitter.com/sm98119/status/178243226540....
1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.
1b) RBL Enterprise dc: 5% cb on paying cc bills using sbi unipay upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher.
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories).
3) HDFC Millennia debit card: can be used to load Amazon wallets and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay to get 2.5%. Cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from amazon wallet.
4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq for mastercard variant. Incremental rewards so if spend is for example 10k only <0.5% rewards.
For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise.
For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.
6) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi. Get 2% cashback. Max cashback of 500 per month. Max cashback limit : Rs30 per tranx. Rs.100 per day.
7) IDFC Debit cards: Pay cc bill using sbi unipay.
Reward rate depends on account type.
Ex: for wealth account : 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly
Ex: for basic account : 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.8k rewards max monthly
Dc Fees as per variant.
8) Axis Liberty dc : Use to pay cc through sbi unipay. For 60k spend in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies.
9) Other dc: Axis Burgundy 2 ER per Rs200(Mobikwik), Axis Burgundy Private 1.5% ER, sbi dc 0.25%, union bank signature 1%.
Imp note: SBI Unipay is working now for most of people, still try with small amount first. Cheq and Paytm MCC can be different in some trx but mostly working for indus.
If you can, help me add/modify details. Trying to make it easier for people to find info.
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Created by : abhishek012
Anyone recently got indusind select visa varient card reward points?
Hdfc millenia debit card: 2.5% cashback
Is this true @ abhishek102
Why higher than Platinum card?
HDFC Platinum debit card: 1% cashback upto 750 (cashback credit within 2 days to max upto 2 weeks)
Pay through HDFC billpay portal or SBI Unipay website or Sri ram one app and get cashback.
I loaded my wallet from hdfc millennia debit card, however amazon doesn't allow me to pay cc bill from wallet. How dz it work actually?
Now visit any banks billdesk credit card bill pay website and scan & pay through Amazon app.
Search on google for your bank billdesk credit card bill pay website and generate QR code there.
Vu
Sbi Unipay worked fine for hdfc cc bill payment using DC. I used it at night (but I feel better to use during the day) for approx. Rs. 900 and payment was credited in 2 working days to the card.
Sbi dc update: Removal of wallet trx from reward points from 1st May.
Points limit :Rs250 (or 1000 points) per trx and Rs 2500 per month.
Virtual cards will give rewards only on e-commerce.
Physical dc will give on all except account to wallet and account to account.
2x points on birthday month. But limit remains same.
No change in Reward rate: 0.25% (or 1% points x 0.25paise per point)
Details: https://rewardz.sbi/content/overview
Ps: Some are still getting points on wallet load in May
Thanks to @sahil1033 for creating a thread on this. Follow the discussion here: https://www.desidime.com/discussions/sbi-debit-...
Better to update this in main post. Nobody reads comments and that too on last page.
--------------------UPDATE 14 May 2024---------------------
Then put update
Trying to pay hdfc neu cc bill thru sbi unipay and keep on gettjng error: Insufficient merchant information. Anyone facing it and know how to resolve?
I am trying to pay SBI bill through hdfc bill pay, it keeps failing. This is my first time paying through hdfc bill pay). Is there any cooling period after you add a biller ?
around 2 or 3 days i think after adding it for first time, so it wont work till then
after 3 days try it , it will work
Why people paid cc bills in sbi unipay many people stuck there money for many days
FYI: after several failed attempts since day before yesterday night, yesterday at this time paid axis and hdfc cc bill using rbl dc for 1000 each from sbi unipay and surprisingly for axis, amount credited in 1min even though not under bbps but for hdfc no confirmation till now. earlier 5000 bill towards hdfc via idfc dc took 4days to credit.
I added money in az wallet , i guess u already know how to add money with cc and dc
I paid hdfc cc bill via cred and hdfc bill desk using az wallet upi
Txn success
I am sharing this to people, who don't know
@abhishek012 tagging u, so that u ll tell to more people,
if u aleady know, pls ignore
would be nice to know the calculation Me_Sravz
1) Hmm SBI Unipay removed credit card option to pay
2) Hmm Sriram one not accepting UPI rupay credit card (they disabled on their side)
3) Hmm airtel not allowing UPI in BBPS
4) Hmm Dhani one asks KYC (so never tried)
so any other app to try? for CC to CC payments
I have paid 1 lac using SBI unipay via indus exclusive still not received the reward points. It's more than 10 days
Even points not received for IDFC card transactions also...
Have you got now?
2.5% or 1% cashback for paying credit card bill using HDFC Millennia Debit using HDFC Billpay?
FULLPAY code pe kitna cashback mil rha hai ? Show 75 kr rha hai ,lekin promocode apply krne pe 50 hi show kr rha hai
One card Ka cc bill kha SE bhare for rewards
Yes, that’s the basic version
Idfc tap card bhi points deta hai kya? My main card gives trouble very often.. want reduce load with 2 card.. anyone can confirm?
Did you try this one?
Any Info about Equitas SFB Cards and Subsequent Equinox Rewards?
Had a Quick Look: Bad reward ratio.
2 pts per 100 for elite dc ( most premium account i think)
Amazon shopping voucher is 0.25p per reward point. So, 0.5% rewards ratio
@Sachin9811 what's the best way to utilise fe reward points? I don't find any best way it's just junk similar to cred coin
You mean Fi?
If so, can use it for Amazon vouchers
SBI unipay not working.payment failed for HDFC bank cards.
First time try Rs100, if success then try big amount but dnt try more than 20k.
Try 1k, 5k, 10k or max 20k per transaction.
Do multiple transactions.
FI money ( infinity or salary variant)
Upgraded my account
Made a upi payment/transaction via cred
Received notification that fi coins has be credited.
But, nothing mentioned about the 2% cashback, where I can see the tracked CB?
What is the best way to pay icici credit card bill using rbl signature plus debit
try sbi unipay
Update: Got confirmation from RBL dt 22.05.2024 about MCCs for certain transactions mentioned below for your reference. Also, note that currently CRED, Mobikwik, Amazon, Paytm are not eligible for RBL debit card rewards so we are left with only sbi unipay.
Thought of CC bill payments might be considered for rewards calculation from these platforms and paid large amounts in this month but all gone in vain. However, because of due date nearing and sbi unipay platform issues forced to pay from outside.
Yesterday around 3 pm I paid axis card bill by hdfc bill pay using millenia dc till now no clue where it got vanished made 2 payments on different card none of them reflects in axis.
Even hdfc confirm successfully paid from bill pay. It usually settled in a minute or 4 hours gap but this time nothing happens.
Kindly please share your experience if someone paid recently.
BBPS it takes instant to 3 days, dont worry it will settle (as long as successful message you got in one side i.e HDFC portal here)
I am not getting reward points on hdfc billpay transactions for millenia debit card. Made transactions in Jan and Feb but no points so far. I used to get points for mobikwik transactions
SBI unipay is working?
Yes it was working yesterday, (I think i should today too)
heard suggestion that do transaction during bank working hours for more success rate
@Sachin9811 If I do any recharge / CC Bill payment through payzapp and pay using HDFC Millenia then how much cashback will I receive, will it be 5% or 2.5%
If I will buy amazon Gift card using HDFC Smartbuy will I get 5% or 2.5% ?
Answer to question 2: 5% (upto 1k) + 5% (upto 400)
Thanks!
Note - first time try Rs100 and then 1k, 5k, 10k or max 20k. Do multiple transactions.
Dnt use SBI unipay at night, if possible try on bank working hours.
@Sachin9811
Valid as on 7th May 2024. I will keep on updating here and also on https://twitter.com/sm98119/status/178243226540....
1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.
1b) RBL Enterprise dc: 5% cb on paying cc bills using sbi unipay upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher.
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories).
3) HDFC Millennia debit card: can be used to load Amazon, mobikwik or slice wallet and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay or sbi unipay to get 2.5%. Cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Bill desk QR code to pay cc bill from amazon wallet.
4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay for mastercard variant. Incremental rewards so if spend is for example 10k only <0.5% rewards.
For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise.
For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.
6) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi. Get 2% cashback. Max cashback of 500 per month. Max cashback limit : Rs30 per tranx. Rs.100 per day.
7) IDFC Debit cards: Pay cc bill using sbi unipay.
Reward rate and dc fees depends on account type:
For wealth account : 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly. So, around Rs.5.36L transaction can be done.
For Select account : 0.5% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.7.5k rewards max monthly. So, around Rs.3.4L transactions can be done.
For basic account : 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.2k rewards max monthly. So, around Rs.1.6L transactions can be done.
8) Axis Liberty dc : Use upi to pay through any app or use dc through sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies.
9) Other dc: Axis Burgundy 2 ER per Rs200(Mobikwik), Axis Burgundy Private 1.5% ER, sbi dc 0.25%, union bank signature 1%, Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.
Alternative to SBI unipay: ‘Airtel’ (only bbps cc), ‘Sriram one’ app (only bbps cc) and 'Dhani Pay' (almost all cc; KYC required; not verified myself)
Imp note: SBI Unipay is working now for most of people, still try with small amount first. Paytm MCC can be different in some trx but mostly working for indus.
If you can, help me add/modify details. Trying to make it easier for people to find info.