Hot Deal

5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% to 2.5% charges

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Finance Ninja
abhishek012

5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% to 2.5% charges:

Download Snapay app here - https://play.google.com/store/apps/details?id=c...

Now signup and login, complete full kyc.

Note: If any dnt know anything about Snapay app then please visit here - https://www.desidime.com/discussions/snapay-cre...

@Knight11 has a PHD degree on Snapay app. So, Irritate him there on the comment section but first read his Snapay post and all comments. 😜😜

1) How to pay 5% SBI Cashback credit card to Bank/Credit card bill pay at 2.5% ?

Go to Utility bill payment and choose your bank or credit card.

Enter amount, Choose T+1 option on Snapay app

Payment mode choose "Wallet 1" -

Screenshot20240306-184830

Here you see Snapay will charge you 2.5% and proceed to pay

Screenshot20240306-184843

Choose "Wallets" option here -

Screenshot20240306-184927

Choose "Phonepe" Wallet option and next page login your phonepe account, enter your 5% SBI cashback credit card details and go to card otp page.

Screenshot20240306-184947

Now here most important info -

If you get "PHONEPE PVT LTD" merchant name then you will get 5% SBI cashback credit card

But if you get any other merchant name cancel the transaction and retry again and again.

Note - if you are lucky then you will get "PHONEPE PVT LTD" merchant name on first attempt

or normally you will get "PHONEPE PVT LTD" merchant name on 5th or 6th attempt

or if you are unlucky then you will not get "PHONEPE PVT LTD" merchant name even on 10th or 12th attempt then only option is that, retry after few hours.

If possible click on "Cancel" option on SBI Card otp page, So, phonepe system will detect there is some issue on payment gateway and next time phonepe will choose "PHONEPE PVT LTD" merchant name. However there is no 100% guarantee on this method but most of the time it works.

Screenshot20240304-022444

2) How to pay 5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% ?

Go to Utility bill payment and choose your bank or credit card.

Enter amount, Choose "Same Day" option on Snapay app

Now if you have any Snapay wallet balance then you can use 50% of charges from your wallet and you need to pay only 1.52% conv fee, here see my screenshot -

Screenshot20240306-185349

How to earn Snapay wallet balance ?

Well, when you pay direct credit card bills on snapay app, you will get 1% Reward points.

you can redeem then Reward points on Snapay app and get 0.25% in Snapay wallet.

3) How to pay 5% SBI Cashback credit card to other Credit card bill or SBI card credit card bill ?

You can enter your Credit card number and IFSC code instead of Bank account number and IFSC code and choose your Credit card number from your snappay app Utility bill payment option and pay.

Note - first time try Rs100 and check your credit card is supported bill payment through snapay utility bill pay option.

Here few banks credit card and IFSC code details but personally i am not verified with all banks credit cards yet.

Bank Name Credit Card IFSC Code Branch
Au Small Finance Bank AUBL0CCARDS Jaipur
Axis Bank UTIB0000400 Mumbai
Bank of Baroda BARB0COLABA Mumbai
Bank of India BKID0000101 Mumbai
Canara Bank CNRB0001912 Bangalore
CITI Bank CITI0000003 Chennai
Federal Bank FDRL00CARDS Kerala
HDFC Bank HDFC0000128 Chennai
HSBC Bank HSBC0400002 Mumbai
ICICI bank ICIC0000103 Mumbai
IDBI BANK IBKL0NEFT01 Mumbai
IDFC First Bank IDFB0010225 Mumbai
IndusInd Bank INDB0000018 Mumbai
Kotak Mahindra Bank KKBK0000958 Mumbai
Punjab National Bank PUNB0112000 New Delhi
RBL Bank RATN0CRCARD Mumbai
State Bank of India SBIN00CARDS Mumbai
Syndicate Bank SYNB0002915 Bangalore
Union Bank of India UBIN0580104 Mumbai
Yes Bank YESB0CMSNOC Mumbai


Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

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Top Comments
Blaze Blaze
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Same same feeling but will the Giverly be back again ! They haven't sorted out wallet load issues yet

Benevolent Benevolent
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@Saadhav

We can hope. At least they have cleared most pending transactions already.

Deal Cadet Deal Cadet
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@abhishek012 Yes the same. I tried.
Like Magnet Like Magnet
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@raja.muralidharan

Keep max amount 20k beyond that you will not get wallet option

Finance Ninja Finance Ninja
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This post trick is still working and you will get 5% on SBI cashback credit card. Enjoy.

96 Comments  |  
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Deal Subedar Deal Subedar
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Nice

Pro DealBaba Pro DealBaba
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- @Saadhav

Blaze Blaze
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Thankyou very much for the tag. Looking for it eagerly. Shall try now

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Benevolent Benevolent
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Wow 😳.

I usually don't try anything beyond 2%. Will wait for giverly to be back.

Blaze Blaze
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Same same feeling but will the Giverly be back again ! They haven't sorted out wallet load issues yet

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Deal Cadet Deal Cadet
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For the third method it showed to me as Snappay as merchant name. Will it attract 5% cashback? - And which category does it come under?

Deal Subedar Deal Subedar
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No cb avoid

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Blaze Blaze
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Saw it. But trading makes me sick.. as I don't have any bills to pay nor insurance premium to pay..

Deal Cadet Deal Cadet
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Thanks. Was eagerly waiting for transfer trick. Got Phonepe Pvt Ltd in one attempt.VU+KG

Deal Cadet Deal Cadet
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Getting Fx Mart always 

Deal Cadet Deal Cadet
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Same. Even when ordering through pincode used to get the same thing.

View 6 more replies
Deal Cadet Deal Cadet
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Seems the party is over not getting wallet option Screenshot20240306-233335

Finance Ninja Finance Ninja
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Choose "T+1" or "Same Day" category and then you will get Wallet options. 😀
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Finance Ninja Finance Ninja
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I already told this thing, it happens to me, sometimes not getting "PHONEPE PVT LTD" merchant name and continuously getting "Fx Mart" merchant name -  @swordfish @deal_killer

Full info -

If you get "PHONEPE PVT LTD" merchant name then you will get 5% SBI cashback credit card

But if you get any other merchant name cancel the transaction and retry again and again.

Note - if you are lucky then you will get "PHONEPE PVT LTD" merchant name on first attempt

or normally you will get "PHONEPE PVT LTD" merchant name on 5th or 6th attempt

or if you are unlucky then you will not get "PHONEPE PVT LTD" merchant name even on 10th or 12th attempt then only option is that, retry after few hours.

If possible click on "Cancel" option on SBI Card otp page, So, phonepe system will detect there is some issue on payment gateway and next time phonepe will choose "PHONEPE PVT LTD" merchant name. However there is no 100% guarantee on this method but most of the time it works.

Deal Cadet Deal Cadet
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Ohk.

Deal Cadet Deal Cadet
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Fx mart fans assemble
Finance Ninja Finance Ninja
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You need to retry 5 or 6 times and then you will get "PHONEPE PVT LTD" merchant name.

or if you are unlucky then you will not get "PHONEPE PVT LTD" merchant name even on 10th or 12th attempt then only option is that, retry after few hours.

If possible click on "Cancel" option on SBI Card otp page, So, phonepe system will detect there is some issue on payment gateway and next time phonepe will choose "PHONEPE PVT LTD" merchant name. However there is no 100% guarantee on this method but most of the time it works.

View 9 more replies
Deal Newbie Deal Newbie
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When I'm making the payment after entering the card details it's not going to the next stage o. Phonepe😪😪

Finance Ninja Finance Ninja
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You pay through "Wallet 1" option na ? because not working with pay with rewards option.
View 7 more replies
Deal Cadet Deal Cadet
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Is it really worth to have so much hassle?

Deal Cadet Deal Cadet
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Trying from past few days to make payment but getting error "You can't make payment for security reasons" in phonepe, even for different values like 5k, 9k &, 19k.

Finance Ninja Finance Ninja
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I think many users have started using this trick. Earlier it was working smoothly. Also try any other phonepe account, phonepe kyc is not required.

You can also use this trick -
 https://www.desidime.com/discussions/new-wallet...
The PostMighty The PostMighty
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Tried more than 10 times

Same FX mart again n again expressionless

Finance Ninja Finance Ninja
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Try after sometime. Pura luck k uppar hai.
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Deal Lieutenant Deal Lieutenant
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Any issues of using this method to transfer fund from cc to bank? 

I heard many people using rent pay method faced issues like notice from bank. 

@abhishek012

Finance Ninja Finance Ninja
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No issue.
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Deal Newbie Deal Newbie
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I Paid credit card bill using snapay app.But by mistake i chosen bank of India instead of bank of Baroda and entred correct cardv deatils of bank of baroda card on 29 th jan.Still payment not credited and snapy customer support in not helping. Where to report this transaction for refund pls help anyone

Finance Ninja Finance Ninja
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Wait few days, you will get refund and snapay will give you option to choose other card details or refund your money and charge 1%.

But you can contact snapay.
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Deal Newbie Deal Newbie
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Will tata neu give 1.5% cashback?

Generous Generous
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Do giverly accept amex?

Finance Ninja Finance Ninja
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Close your Amex card and live your life peacefully.
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Finance Ninja Finance Ninja
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This post trick is still working and you will get 5% on SBI cashback credit card. Enjoy.

Deal Newbie Deal Newbie
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what is the mcc?

Finance Ninja Finance Ninja
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Kya karoge, you will get 5% SBI cashback card. Enjoy karo. 😀
Blaze Blaze
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@abhishek012 I think this wallet pay system changed compared to previous month.. merchant page doesn't open. It gives 2 options phonepe app or UPI id.. see the attached screenshot if we select phonpe app. Does this merchant easebuzz is eligible for cashback Screenshot20240408-183735 

Finance Ninja Finance Ninja
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It was working 4 days ago. I will check.
View 12 more replies
Deal Subedar Deal Subedar
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Giverly app working for sbi cashback credit card 5% cashback?

Blaze Blaze
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Try and let us know

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