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A new way to pay credit card bill using Debit Card.

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Deal Cadet
zenithyadav

SnaPay app introduced credit card bill payment using debit card.

I paid Standard Charted Credit card bill day before yesterday and Yesterday night it got credited in Credit card.

Also they are giving scratch card on bill payment. Got 3 rupees for 3000 bill payment . Not sure about number to times we can earn scratch card.

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Deal Newbie Deal Newbie
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App looks sketch i would avoid it
they might run away with your money

Deal Cadet Deal Cadet
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testinglifey wrote:

App looks sketch i would avoid it
they might run away with your money

I am using it from more than 1 year to transfer money from credit card to bank account and never faced any problem . Also their support is really very good. I contacted them regarding few queries and they replied promptly every time

Also they have 4.2 start rating on play store.

Deal Lieutenant Deal Lieutenant
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zenithyadav wrote:

I am using it from more than 1 year to transfer money from credit card to bank account and never faced any problem . Also their support is really very good. I contacted them regarding few queries and they replied promptly every time

Also they have 4.2 start rating on play store.

I think 4% right cc to bank

Deal Newbie Deal Newbie
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I would highly recommend everyone to stay away from new apps.
Look what happened to TMW wallet users

Deal Newbie Deal Newbie
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Just read app reviews multiple people have complained that they have lost their money

Deal Cadet Deal Cadet
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Dileep_kumar wrote:

I think 4% right cc to bank

For transferring money from CC to bank below are the charges:
2.99 for same day transfer
2.95 – for T+ 1 days
2.50 for T+2 days

Deal Cadet Deal Cadet
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testinglifey wrote:

I would highly recommend everyone to stay away from new apps.
Look what happened to TMW wallet users

This app is not very new. It is from 2018 in the market with app and website interface.
Many dimers are already using this app.

Below are the few threads are for your reference:
https://www.desidime.com/discussions/need-help-...
https://www.desidime.com/discussions/wallet-to-...

Even many people reports that they have lost money in Mobikwik app due to fraud. And many threads are there on DD that CRED takes long time to credit money in some rare scenarios. Still we use both apps.

I just created this thread as many dimers were searching for alternate of Paytm and Mobikwik for credit card bill payment using debit card. Its your wish if you don’t want to use this app.

Deal Subedar Deal Subedar
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testinglifey wrote:

I would highly recommend everyone to stay away from new apps.
Look what happened to TMW wallet users

Snapay is genuine app. But it would not allow people to do transaction using stolen cards.
They also need genuine KYC.
Also, do not blame TMW. They only delayed. They have allowed every one (who contacted them) to spend the balance money.

Deal Subedar Deal Subedar
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Amazon se krlo.

Deal Cadet Deal Cadet
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Stay Away from this App, Not Settled my Apay to Bank transfer credits since year.

Deal Cadet Deal Cadet
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ModMod wrote:

Stay Away from this App, Not Settled my Apay to Bank transfer credits since year.

Did you tied contacting their support team ?.
I used it more than 30 times . Never faced any problem . I started with small amount to 500 and later transferred big amount like 40K or 50K also multiple times . Every time got the money in destination account on time.

Deal Cadet Deal Cadet
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igen wrote:

Amazon se krlo.

Eagerly waiting for this option in my amazon. Still not getting credit card bill payment option in my Amazon App.

Deal Subedar Deal Subedar
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zenithyadav wrote:

Eagerly waiting for this option in my amazon. Still not getting credit card bill payment option in my Amazon App.

amazon cc telling it was enabled to all the customers .. pensive

Deal Cadet Deal Cadet
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TEMPER wrote:

amazon cc telling it was enabled to all the customers .. pensive

Updated the app. Now I am on the latest version . Still CC bill payment is not present hushed

Deal Captain Deal Captain
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Showing only net banking and upi for cc bill payment now

Deal Subedar Deal Subedar
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testinglifey wrote:

I would highly recommend everyone to stay away from new apps.
Look what happened to TMW wallet users

Any thread for that?

Deal Captain Deal Captain
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i did cc bill payment they have kept that on hold i have already uploaded the aadhar card still showing kyc pending

Deal Cadet Deal Cadet
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ShreyansSethia wrote:

i did cc bill payment they have kept that on hold i have already uploaded the aadhar card still showing kyc pending

Sorry to hear this. I completed my KYC long time before so it took less than 24 hrs to credit money in my credit card.
Normally They updates the KYC within 24 Hrs. Please create a support ticket to complete the KYC and please share the updates.
Don’t worry this is genuine site and I am using it from long time . Hope you have some buffer time in your bill payment date

Deal Cadet Deal Cadet
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ShreyansSethia wrote:

Showing only net banking and upi for cc bill payment now

@ shreyasnssethia I still see DC option.. did u update the app? Which version are you on?

Deal Lieutenant Deal Lieutenant
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+kg to you for this app. Made account on 15th, did Kyc same day. For test paid hdfc cc for 1k. Kyc completed on 16th and in next 1 hour credit card payment received to the card. Now will pay full payment with the app. @zenithyadav

Deal Cadet Deal Cadet
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Alexios wrote:

+kg to you for this app. Made account on 15th, did Kyc same day. For test paid hdfc cc for 1k. Kyc completed on 16th and in next 1 hour credit card payment received to the card. Now will pay full payment with the app. @zenithyadav

I’m glad to know it helped smile

Deal Lieutenant Deal Lieutenant
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zenithyadav wrote:

@vishubm042261 @ShreyansSethia – Now Debit card option is available for payment between 100 to 2000.
Above 2000 only UPI and Internet banking is getting displayed.

Only 1 payment of 2000 with dc, second payment i am trying it is giving only netbanking and upi option even for 2000. Bad news. Maybe it is a day limit but that is also bad.

Deal Cadet Deal Cadet
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Alexios wrote:

Only 1 payment of 2000 with dc, second payment i am trying it is giving only netbanking and upi option even for 2000. Bad news. Maybe it is a day limit but that is also bad.

Yes they introduced this limit of 2000 recently .This is really a bad move pensive
I have made two payments around a week before and still getting an option to pay 2000 using debit card. seems it is daily limit of 2K by debit card.

Pro Analyst Pro Analyst
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Alexios wrote:

Only 1 payment of 2000 with dc, second payment i am trying it is giving only netbanking and upi option even for 2000. Bad news. Maybe it is a day limit but that is also bad.

How this app going for u?

Deal Lieutenant Deal Lieutenant
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AyushiiiVijay wrote:

How this app going for u?

Yes it is good but only 2000/per/transaction allowed with dc. Other options are upi and netbanking. They process the amount next working day usually.

Deal Lieutenant Deal Lieutenant
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zenithyadav wrote:

For transferring money from CC to bank below are the charges:
2.99 for same day transfer
2.95 – for T+ 1 days
2.50 for T+2 days

Transfer of money from cc to bank @ 2.5-3.0% per month means taking a loan at interest rate of 30-36% per annum. So what’s the benefit?

Deal Cadet Deal Cadet
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aam_aadmi wrote:

Transfer of money from cc to bank @ 2.5-3.0% per month means taking a loan at interest rate of 30-36% per annum. So what’s the benefit?

It is useful when we need money urgently for short duration ( less than 50 days)
Also rate of interest comes much less than what you told as :
1. You can use then money for around 50 days if you just make the transaction just after bill generation date.
2. You can get rewards points or cash back for this credit card spend for e.g 1.5 % cash back in case of Flipkart axis bank cc or 1 % in case of Amazon pay Icici cc as this transaction is not counted as wallet load.
3. Get the rewards points again on repayment of this amount.

So rate of interest depends how effecient you use this option. For me it costs less than 0.5 % for around 50 days.

Pro Analyst Pro Analyst
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Alexios wrote:

Yes it is good but only 2000/per/transaction allowed with dc. Other options are upi and netbanking. They process the amount next working day usually.

and what abt rewards from scratch cards?

Missing