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Any trick for getting max cashback on Cred

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Deal Cadet
pjain2712

Hi Dimers,

Need your suggestions here..

I have to pay a credit card bill of around 50k.. please advise if I should pay entire amount on Cred at once to get 50k scratch card or pay lesser amount (20k or 5k) multiple times in order to get maximum cashback..?

Thanks

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Deal's Advocate Deal's Advocate
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Bro for 1k, 5k , 10k cards u will get cashback less than 15rs (mostly 5 to 10rs)… I never got more than that… Wait for other dimer suggestions On 20k and 50k cards…

Deal Subedar Deal Subedar
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20k scratch card gave me around 25rs one time so it’s better to exhaust 1k and 5k first. 30k gone for this then 20k bill for one last scratch card.

If you have a hdfc savings account with platinum debit card you will get back 500rs flat within 24 hours. But can only be redeemed for vouchers. CC should be supported in hdfc billpay for this.

Deal Cadet Deal Cadet
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prem4998 wrote:

20k scratch card gave me around 25rs one time so it’s better to exhaust 1k and 5k first. 30k gone for this then 20k bill for one last scratch card.

If you have a hdfc savings account with platinum debit card you will get back 500rs flat within 24 hours. But can only be redeemed for vouchers.

Thanks but I don’t have HDFC savings account. For Cred, you mean 5k (6 times)=30k and 20k (one last) transactions (total 50k) would be better option?

Deal Subedar Deal Subedar
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pjain2712 wrote:

Thanks but I don’t have HDFC savings account. For Cred, you mean 5k (6 times)=30k and 20k (one last) transactions (total 50k) would be better option?

First do 20k. U can redeem both 15k and 5k card with this then do the 1k and 5k until you exhaust them all.

Used CRED for 7 months but moved to hdfc recently for their 1% cashback offer.

Deal Subedar Deal Subedar
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pjain2712 wrote:

Thanks but I don’t have HDFC savings account. For Cred, you mean 5k (6 times)=30k and 20k (one last) transactions (total 50k) would be better option?

Not 5k 6 times. It’s 6k 5 times.

Since you redeem one of the 5k with 20k coins you will be left with 5k coins at last i guess which you can use next month if you bill is low and pay 5k bill and use 6k coins for both 1k and 5k.

Deal Newbie Deal Newbie
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prem4998 wrote:

20k scratch card gave me around 25rs one time so it’s better to exhaust 1k and 5k first. 30k gone for this then 20k bill for one last scratch card.

If you have a hdfc savings account with platinum debit card you will get back 500rs flat within 24 hours. But can only be redeemed for vouchers. CC should be supported in hdfc billpay for this.

For HDFC platinum debit card..you can directly redeem in cash.. no voucher…

Deal Cadet Deal Cadet
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prem4998 wrote:

Not 5k 6 times. It’s 6k 5 times

I think we have only 1k ,5k, 20k and 50k scratch cards right

Deal Subedar Deal Subedar
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saxena_ wrote:

For HDFC platinum debit card..you can directly redeem in cash.. no voucher…

I have recently moved and not yet redeemed but read in dd only voucher redemption is applicable. Apologies for the incorrect statement and thanks for correcting it plus1

Pro Shopping Friend Pro Shopping Friend
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prem4998 wrote:

20k scratch card gave me around 25rs one time so it’s better to exhaust 1k and 5k first. 30k gone for this then 20k bill for one last scratch card.

If you have a hdfc savings account with platinum debit card you will get back 500rs flat within 24 hours. But can only be redeemed for vouchers. CC should be supported in hdfc billpay for this.

I would prefer direct 50k payment; gives 5 cards total apprx 70-80,

as you said hdfc dc best way

next best is to use any debit card along with paytm(load2pay)/mobikwik

Deal Subedar Deal Subedar
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pjain2712 wrote:

I think we have only 1k ,5k, 20k and 50k scratch cards right

I meant pay 6k 5 times

Deal Subedar Deal Subedar
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caks2006407 wrote:

I would prefer direct 50k payment; gives 5 cards total apprx 70-80,

as you said hdfc dc best way

next best is to use any debit card along with paytm(load2pay)/mobikwik

1k or 5k sometimes gives upto 15rs so it’s totally luck based. No one can guarantee the total cb

Deal Cadet Deal Cadet
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caks2006407 wrote:

I would prefer direct 50k payment; gives 5 cards total apprx 70-80,

as you said hdfc dc best way

next best is to use any debit card along with paytm(load2pay)/mobikwik

Thanks, but didn’t understand second part of your msg, could you please help me understand? You mean we need to pay on Cred using Debit card? What is benefit if we use debit card with Paytm?

Deal Subedar Deal Subedar
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pjain2712 wrote:

Thanks, but didn’t understand second part of your msg, could you please help me understand? You mean we need to pay on Cred using Debit card? What is benefit if we use debit card with Paytm?

You need a debit card that gives rewards. Again a hdfc debit card but this time millenia card. You can load mobikwik wallet and pay using mobikwik for 1%

There are other debit cards that gives rewards too but not 1% except very few super premium cards

Deal's Advocate Deal's Advocate
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prem4998 wrote:

I have recently moved and not yet redeemed but read in dd only voucher redemption is applicable. Apologies for the incorrect statement and thanks for correcting it plus1

But we can’t pay hdfc cc bill using hdfc platinum dc right?

Deal Subedar Deal Subedar
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sujith8786 wrote:

But we can’t pay hdfc cc bill using hdfc platinum dc right?

Yes HDFC and BoB can’t be paid as far as I remember. You can find a post in my profile where someone posted a picture of the list of CCs supported. Let me link it

I pay my icici, axis and indusind bills in hdfc and do not use bob at all except bank offers grinning

Deal Subedar Deal Subedar
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prem4998 wrote:

Yes HDFC and BoB can’t be paid as far as I remember. You can find a post in my profile where someone posted a picture of the list of CCs supported. Let me link it

I pay my icici, axis and indusind bills in hdfc and do not use bob at all except bank offers grinning

https://ddime.i...VW

Deal's Advocate Deal's Advocate
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prem4998 wrote:

Yes HDFC and BoB can’t be paid as far as I remember. You can find a post in my profile where someone posted a picture of the list of CCs supported. Let me link it

I pay my icici, axis and indusind bills in hdfc and do not use bob at all except bank offers grinning

Done plus1

Deal Captain Deal Captain
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Pay on CRED 5 times 1K and get the 5 upto 1K Scratch Cards.
Then Pay the remaining 45K on Mobikwik using the available offers.
If you’re paying 1st ever Credit Card Bill Payment or 1st for December, there are different offers available for certain minimum amount. Check on the App.
After utilizing the 1st time offer, next pay the remaining amount with maximum 25K at a time and apply the promo code CCPAY to get 2% SuperCash upto 500 at a time. Repeat the CCPAY code for next payment too. Finally, redeem the Collected SuperCash with several coupons of Rs. 20 for 100 SuperCash, and use them to pay your CC Bill with the coupon value.
This way, SuperCash will give you 0.40% return on your CC Bill.

Deal Subedar Deal Subedar
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Try Dhani and be dhani

Deal Newbie Deal Newbie
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Dhani debit card not working anymore for billdesk

Commentator Commentator
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saxena_ wrote:

For HDFC platinum debit card..you can directly redeem in cash.. no voucher…

How to pay CC bill via HDFC platinum debit card?

Deal Newbie Deal Newbie
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bornsmart wrote:

How to pay CC bill via HDFC platinum debit card?

Login into your HDFC NetBanking. There will be a billpay tab, click on it and pay your bills. Remember to select your platinum debit card while paying (by default NetBanking is selected)

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saxena_ wrote:

Login into your HDFC NetBanking. There will be a billpay tab, click on it and pay your bills. Remember to select your platinum debit card while paying (by default NetBanking is selected)

Can we use debit card linked with another account?

Deal Cadet Deal Cadet
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UniqueDimer wrote:

Pay on CRED 5 times 1K and get the 5 upto 1K Scratch Cards.
Then Pay the remaining 45K on Mobikwik using the available offers.
If you’re paying 1st ever Credit Card Bill Payment or 1st for December, there are different offers available for certain minimum amount. Check on the App.
After utilizing the 1st time offer, next pay the remaining amount with maximum 25K at a time and apply the promo code CCPAY to get 2% SuperCash upto 500 at a time. Repeat the CCPAY code for next payment too. Finally, redeem the Collected SuperCash with several coupons of Rs. 20 for 100 SuperCash, and use them to pay your CC Bill with the coupon value.
This way, SuperCash will give you 0.40% return on your CC Bill.

Thanks, could you please explain how we can redeem 100 supercash for ₹20? Any example

Deal Cadet Deal Cadet
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pjain2712 wrote:

Thanks, could you please explain how we can redeem 100 supercash for ₹20? Any example

Please ignore, I found below from your previous post:

Go Offers → Redeem Supercash → Exchange for Mobikwik Discount Coupons → Buy Now.
You’ll get 2 Voucher options, one is Rs. 10 for 50 Supercash & the other is Rs. 20 for 100 Supercash. Redeem the highest one & use it to pay your CC Bill.

Deal Subedar Deal Subedar
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UniqueDimer wrote:

Pay on CRED 5 times 1K and get the 5 upto 1K Scratch Cards.
Then Pay the remaining 45K on Mobikwik using the available offers.
If you’re paying 1st ever Credit Card Bill Payment or 1st for December, there are different offers available for certain minimum amount. Check on the App.
After utilizing the 1st time offer, next pay the remaining amount with maximum 25K at a time and apply the promo code CCPAY to get 2% SuperCash upto 500 at a time. Repeat the CCPAY code for next payment too. Finally, redeem the Collected SuperCash with several coupons of Rs. 20 for 100 SuperCash, and use them to pay your CC Bill with the coupon value.
This way, SuperCash will give you 0.40% return on your CC Bill.

bhai but how to use the super coin …they have also removedusing  option on amex card…

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