Pay Credit Card bill via Wallet trick (try at your own risk)
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Yesterday, someone posted this trick (first read here) - https://www.desidime.com/discussions/help-idf...ps
I tried this website - https://bbps.idfcban...t/
but i use "other bank net banking & debit cards" option and paid through my phonepe cashback/gift card and successfully credited in my kotak bank credit cards.
However, i tried "Credit Card" option but same like him, my bill payment failed and money stuck.
Here is the step -
enter customer details and bill details -
CC biller name type first 3 digit like "SBI", "FEDERAL", "KOTAK" and "BOB"
After bill fetch, "Tick mark" base bill amount option
Now edit total amount and type "Rs1" for first time.
Now Most important - Payment mode choose "other bank net banking & debit cards" option
Dnt choose "Credit Card" option, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.
Next payu gateway page open and here UPI, Bharat QR, debit card and Wallet option available on payu page
Personally i paid Rs1 and Rs74 through by Phonepe cashback/gift card balance and successfully paid.
However, my Kotak credit card bill payment amount showing in kotak app after 6-8hrs (maybe because i use night time).
I recommended try Rs1 credit card bill payment and dnt use higher amount.
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Updated - Many people also tried Freecharge wallet balance and Ola Wallet balance and successfully paid to Kotak CC bill and SBI Card bill.
But First time try with Rs1, if everything working perfectly then 2nd time try Rs100 and then try higher amount but try at your own risk.
I remind you again, Dnt choose "Credit Card" option on IDFC BBPS page payment mode, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.
Hasta la vista.
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Last updated by: abhishek012
Note - SBI Cashback Credit Card holders, merchant name - www olacabs com get 5% cashback, enter your SBI Cashback Credit Card details on Ola wallet gateway page.
Do multiples of 2k transactions on ola wallet, no charges. Updated - you can also do 10k transaction on ola and full kyc ola limit is 50k or 1 lakh or 2 lakh per month. Do multiples of 10k transactions.
You can use your credit card/prepaid card via Ola, freecharge, phonepe gateway etc.
Note - Dnt choose "Credit Card" option directly on IDFC BBPS page, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.
Try at your own risk.
Tried at 10, 100. It went fine. Jumped to higher amount, it failed and money stuck.! Even after selecting other bank netbanking and debit card.
Better to remove the post, if it has this high failure rate. Money will be stuck for various users.
Ola or phonepe?
Tumlog jann bujh k kar rahe ho. Koi genuine person ka failed hua toh tumlogo k drame k chalte us bechare pe trust karna muskil ho jayega.
Anyway, personal group sab ab tak toh kisi ka failed na hua. Jisne jisne "other bank net banking & debit cards" option choose kar k pay kiya.
Sadly failed for me..now waiting for refund .
2nd time successful 😃
I dnt know single transaction or multiple transaction because ola charge conv free for 2k+.
@purval6300
@kshmr
@kushank
Note - Dnt choose "Credit Card" option directly on IDFC BBPS page, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.
Made two cc payments of SBI Bill
1st transaction Rs 100
2nd transaction Rs 1374
both instantly credited to CC and received SMS from SBI too for successful bill payment.
Now question is regarding 2k Ola Money wallet load limit without charges. is it cumulative or for individual transaction?
Do multiples of 2k transaction, no charges.
Another person successfully paid 10k+10k via 2 ola wallet account.
First check with Rs2001 or more, if any conv fee applied then do multiples of 2k transactions.
My payment failed for 8k and 24k. No transaction ID generated either. Money debited from cc to freecharge was successful.
Amount was well within permissible limit.
I personally did 4 transaction, diff. denom. cumulative 7k
What worked for me, adding money to Ola money wallet first and then doing cc payment on BBPS.
Until 5k worked well using ola money now even after entering the correct otp it gives error wrong otp 
Check your ola wallet balance, if any balance available then use that balance first.
I think daily 4 or 5 times working and then many people earlier told they got wrong otp error.
I'm doomed 😱.
Amount is more than 20k.
@abhishek012 kuch suggest karo bhai.. lut gaya main to
Any idea if we can use Amex Cc at phonepe wallet?
Getting "No bill available" error whenever I try to pay BOB CCs with this method? Tried to pay BOB CC for which bill was generated on October 1,2023 and still getting this error @abhishek012
@abhishek012 Any other simple trick to get Freecharge balance to Bank or Credit card at Zero fees?Idiots at Freecharge removed Login option from Freecharge desktop website.
Visit direct electricity or any other biller link of freecharge url and login.
Yeh desidime wale me ajib hai freecharge ka link block rakha hai, post nahi karne de raha direct link.
https://www.free...ge. in/electricity (space ko hata kar browser me open karna)
Did 40K on phonepe using Amazon pay icici for kotak bill.
Did 10k+10k on ola (WWW OLACABS COM) using sbi cb for sbi cb bill.
All successful. Now getting only zipcash in OTP page, so not doing it.
Here details - https://www.desidime.com/discussions/axis-ace-c...
I think HDFC Swiggy Credit Card also give 5% cashback on (WWW OLACABS COM) merchant name (personally not verified).
did 30k more with ola as phone pe not allowing more for me(already did 26k) but bill payment failed and money was added in ola wallet. Tried again with 30k amount but wrong OTP error then tried with 10k 3 times and all got succeeded. So use 10k max if you are using ola wallet
@shubhampakhare told, he used 3 times on Ola wallet. Tried a small amount still the same issue (wrong otp).
For sbi, Can I pay Rs.5k instead of whole bill amount. In this case, Error showing - Please Select Valid Amount Combination.
Now edit total amount and type "Rs1" or "Rs5000".
Now Most important - Payment mode choose "other bank net banking & debit cards" option
@longlivesonusood
tried transactions from various cards on phonepe gateway.
got 2% reward in kiwi thru upi, amex and idfc will get to know once transaction settles, onecard came under bills and utilities, etc
Do I need to add money in wallet first?
Phonpe is not allowing me to pay through card
Is this offer only for paying SBI, kotak or Bob bill,? Can we pay amex card bill?? Through this. Can anyone confirm
Only bbps biller is allowed, amex is not added yet on bbps, wait few months or years. 😀
OLA Payment GATEWAY saying incorrect OTP
Your ola wallet kyc limit is over. Full kyc limit is 50k per month.
Is there anyway to pay ICICI/Axis Card payments?
for merchant "phonepe pvt ltd " one card showed it under the other category means this merchant has wallet MCC. @abhishek012 @Knight11 @shutapdiya
@abhishek012 bhai Junio card se pay kaise kare? kuch baatao yaar.
Thanks @abhishek012
SBI Card Blocked due to Suspicious Activity on 3rd Time 😂
One more
Thanks @abhishek012
Can anyone confirm which cards give rewards/cashback for this trick except sbi cashback cc on ola wallet?
Here is the mcc.
Phonepe com - 4814
www OLACABS com - 4121
Ola money zipcash - 4900
Freecharge - 4900 (not sure on this)
Now check ur card terms and decide. Won't comment on individual card.
Getting this error when trying the Ola PG? Any other PG which has a non-utility mcc?
Yeh naya naya chiz kaha se utha k late ho tumlog.
Follow all the step, also try any other browser or any other ola account.
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Can anyone confirm which cards give rewards/cashback for this trick except sbi cashback cc on ola wallet?
Here is the mcc.
Phonepe com - 4814
www OLACABS com - 4121
Ola money zipcash - 4900
Freecharge - 4900 (not sure on this)
Now check ur card terms and decide. Won't comment on individual card.
Further, if they ask us we can say that bill was paid because of the festive season spending. Nothing wrong or suspicious here.
So nothing to worry it should be unblocked , just new security precautions adopted by banks.
Don't say banks😡. It's always SBI. They have blocked my card probably 100+ times in last one year.
Whoever designed their fraud detection system, must be some guy, who never use any debit/credit card or netbanking and relies on atm cash😅 and thinks online means scam. Such a broken system.
Other banks, first call and ask if u did transaction or not and then block (actually they don't as u already confirmed it). But sbi doesn't care about cardholders. They don't unblock even after telling them that I have done the transaction.
I just don't understand the logic here. Won't a cardholder be liable to pay, if any fraud transaction happens and he doesn't report it immediately. Why SBI needs to block any transaction or card, when cardholder hasn't complaint?
I raised this even with rbi Ombudsman earlier in February. They gave same stupid reasons and closed complaint. If more people complaint, then something might happen.
This thread is taking on a negative tone. Folks, let's refrain from panicking or using terms like "fraudulent." Such words are typically reserved for situations involving stolen cards or illegal activities like hawala payments. Exploring tricks and loopholes to get some cashback on CC payments doesn't constitute fraudulent activity. Let's apply some common sense and avoid over-reading the MITC. Even banks sometimes fail to fully comply with RBI regulations, leading to fines, but that doesn't imply they engage in fraudulent activities.
The primary reason for these issues could be attributed to IDFC. They are a Chindi bank, and they are known for their inability to handle even minor financial losses(even 1 re), If you all remember the frequent changes to their terms and conditions during their DC reward points program. Also, they have the audacity to compare their shitty credit cards with Infinia on their website and engage in trolling other banks on Twitter.