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Best method to pay Credit Card bills from debit cards and other credit cards (updated periodically)

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Deal Cadet
Sachin9811

I want to share the most rewarding methods to pay cc bills (incl paying through other cc). I will aim to update this list periodically. 

If you can, help me add/modify details. Trying to make it easier for people to find info.

Update #1:  24Aug23

Debit Card methods (in order of preference):

1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).

2)HDFC PLATINUM debit card: can be used on hdfc bill pay and mobikwik for 1% cashback upto rs750 pm. (excl mobikwik offers). This does not work on Cred. Fees 750 (waived for certain account categories)

3) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories)

4) Other dc: Indusind exclusive, RBL edc, axis liberty [will add details]

CC to CC/Bank free transfer: [please use only in exceptional cases]

1) ICICI pockets: Load money from Rupay cc using gpay. Transfer from Pockets to bank/pay bills.

2) E Rupee : Load eRupee wallet using Rupay cc and then transfer to bank. [check w small amount]

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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Deal Cadet Deal Cadet
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Update #2: 29Aug23

Debit Card methods to pay cc bill:

1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).

2) IDFC Debit cards: Pay cc bill using mobikwik. 1.8% rewards post 20k threshold for non-Premium dc variant. Pre threshold, only 0.3% reward. Premium dc (select, wealth, private) also give rewards but higher threshold. Fees as per variant.

3)HDFC PLATINUM debit card: can be used on hdfc bill pay and mobikwik for 1% cashback upto rs750 pm. (excl mobikwik offers). No cashback for payment through Cred, paytm, Cheq. Fees 750 (waived for certain account categories)

4) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from wallet.

5) Other dc: Indusind exclusive (upto ~0.9% cashback), RBL EDC (depends on milestones achieved), Axis Burgundy 1% ER, Axis Burgundy Private 1.5% ER [source: Theo], Axis liberty [will add details]

CC to CC/Bank transfer: [please use only in exceptional cases]

1) ICICI pockets upi: Load money from Rupay cc using gpay (no charge). Transfer from Pockets to bank/pay bills (no charge).

2) Load payzapp from cc (no charge). Pay rent using Paytm (1.5% charge)

3) Load Paytm/Airtel fastag from SBI cashback cc using Park+ app (source: Abhishek012). 5% cb from sbi and 1% charge.

4) E Rupee : Load eRupee wallet using Rupay cc and then transfer to bank. Check w small amount. Not working for some (source: saucy)

If you can, help me add/modify details. Trying to make it easier for people to find info.

Deal Newbie Deal Newbie
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@dexter_greycells & what is the monthly limit for HDFC debit card on Mobikwik? Is the cashback received in HDFC a/c or Mobikwik wallet?
The PostMighty The PostMighty
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@Batman2234

The Rs 50 cashback for GRAB1CCBP / DDCCBP codes is received in your Mobikwik wallet. Mobikwik won't let you do more than Rs 20k on your HDFC Platinum DC within 24 hrs. You can do multiple Rs 19999 on the same day though.


Also, the 1% upto Rs 750 on HDFC Platinum DC is all inclusive - so either you do Rs 75k via HDFC Billpay or Rs 75k via Mobikwik or you do half and half - Rs 750 is the max you are getting. As I said, for first bill payments for the month, Mobikwik will let you apply those codes to get an extra Rs 50 off.

Mobikwik does not get a lot of trust around on DD and for valid reasons. If your CC is non-HDFC and is available on HDFC BillPay, I say stay clear of Mobikwik.

Deal Cadet Deal Cadet
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Update #3: 14 Oct 23


Debit Card methods to pay cc bill:


1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly using paytm,payzapp, cred. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).


2) HDFC PLATINUM debit card: can be used on hdfc bill pay for 1% cashback upto rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories). Can also use freecharge for 1k tranx as many times as allowed for you.


3) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from wallet.


4) Indusind exclusive (upto ~0.9% cashback): use  paytm for visa variant. creq for mastercard variant. Cashback limit is Rs 1050 per month on spends of  112k. Max 3000 reward points at 35 paise. Incremental rewards so if spend is for example 10k only 0.4% rewards.

5) 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.

6) IDFC Debit cards: Pay cc bill using freecharge. 1.8% rewards post 20k threshold for non-Premium dc variant. (1.2% freecharge fees, net 0.6% reward. Else can pay upto 1k tranx without 1.2% fees as many times as allowed.) Pre 20k threshold, only 0.3% reward. Premium dc (select, wealth, private) also give rewards but higher threshold. Dc Fees as per variant.


7) Other dc: RBL EDC (depends on milestones achieved), Axis Burgundy 1% ER, Axis Burgundy Private 1.5% ER [source: Theo], Axis liberty [will add details]


If you can, help me add/modify details. Trying to make it easier for people to find info.

238 Comments  |  
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Deal Cadet Deal Cadet
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Vu

The PostMighty The PostMighty
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HDFC Platinum and Millennia debit cards are so popular on DD that I am fearing that HDFC is going to shutdown the 1% CB via HDFC Bill Pay / Mobikwik sooner or later. Enjoy it while it lasts, I say.

Deal Cadet Deal Cadet
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Been around for years. Many other banks have rewards points, none so popular. Chances that other will copy/provide more rewards. 

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Deal Newbie Deal Newbie
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although this may need its own thread - is there a way to pay another persons bank account using CC? instead of NEFT?

Deal Cadet Deal Cadet
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Dont think any option to do directly. Can load wallets through c card then trf

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Deal Cadet Deal Cadet
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+

Deal Cadet Deal Cadet
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@Sachin9811 i have accidently added 50K instead of 5K to my Icici pocket wallet with GPAY and rupay cc,  transaction was successful , but amount was not credited to pocket wallet, due to 25k limit.

Now what will happened to my amount ?

Deal Cadet Deal Cadet
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Not sure. Anyone has info. @baludesi @Seinfeld?

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Super Stud Super Stud
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3rd point in which account category Millennia fee waived off?

Deal Cadet Deal Cadet
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Classic, preferred, etc

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Deal Newbie Deal Newbie
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Erupee official app? or any bank specific erupee app?

Deal Cadet Deal Cadet
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Try icici e rupee. But small amount check if it works for you.

Hearing from people it stopped for them. 

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Deal Newbie Deal Newbie
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in ICICI pocket add fund option, I am getting 2 UPI option:

1. Add funds via UPI within app: It is asking to link a bank in the app and use that bank

2. Add funds via UPI from other apps: It is asking to open another upi app and transfer money to pocket app upi.

can you share the steps for Load money from Rupay cc using gpay?

Deal Cadet Deal Cadet
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Use 2nd. 

That is send money from gpay to 'Pockets.Your number@icici' 

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Deal Newbie Deal Newbie
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What is the benefit of using the pocket app?

Deal Cadet Deal Cadet
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Cc to bank/cc free of charge

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Deal Subedar Deal Subedar
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if someone is aware, please add idfc debit for bill payment 

Deal Cadet Deal Cadet
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Yup this i Will add. Good rate

Deal Newbie Deal Newbie
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test - to delete

Deal Cadet Deal Cadet
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Update #2: 29Aug23

Debit Card methods to pay cc bill:

1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).

2) IDFC Debit cards: Pay cc bill using mobikwik. 1.8% rewards post 20k threshold for non-Premium dc variant. Pre threshold, only 0.3% reward. Premium dc (select, wealth, private) also give rewards but higher threshold. Fees as per variant.

3)HDFC PLATINUM debit card: can be used on hdfc bill pay and mobikwik for 1% cashback upto rs750 pm. (excl mobikwik offers). No cashback for payment through Cred, paytm, Cheq. Fees 750 (waived for certain account categories)

4) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from wallet.

5) Other dc: Indusind exclusive (upto ~0.9% cashback), RBL EDC (depends on milestones achieved), Axis Burgundy 1% ER, Axis Burgundy Private 1.5% ER [source: Theo], Axis liberty [will add details]

CC to CC/Bank transfer: [please use only in exceptional cases]

1) ICICI pockets upi: Load money from Rupay cc using gpay (no charge). Transfer from Pockets to bank/pay bills (no charge).

2) Load payzapp from cc (no charge). Pay rent using Paytm (1.5% charge)

3) Load Paytm/Airtel fastag from SBI cashback cc using Park+ app (source: Abhishek012). 5% cb from sbi and 1% charge.

4) E Rupee : Load eRupee wallet using Rupay cc and then transfer to bank. Check w small amount. Not working for some (source: saucy)

If you can, help me add/modify details. Trying to make it easier for people to find info.

Deal Cadet Deal Cadet
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idfc still giving points? i heard they devalued.
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Deal Subedar Deal Subedar
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Is there any trick left for rupay cc to cc bill payment?

Gpay and Snapay already patched...any other working please dm me.

Deal Cadet Deal Cadet
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Try pockets. 

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Deal Cadet Deal Cadet
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Will I get 1% cashback on HDFC Easyshop Platinum card, If paid credit card bill on following platform?

Cred, Cheq, Mobikwik, Paytm CC bill pay, HDFC bill pay portal

Deal Cadet Deal Cadet
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Can confirm that mobikwik and hdfc bill pay will give cb. Cheq, cred don't

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Deal Subedar Deal Subedar
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Can HDFC Millennia debit card be used for higher than 1% cashback?

Deal Cadet Deal Cadet
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Heard people get 2.5% on mobikwik for cc bill payment, counted as utilities. But check for yourself. 

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Deal Subedar Deal Subedar
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@dexter_greycells @Sachin9811   how does HDFC platinum dc gives 1% on mobikwik?  Do we need to take care of the merchant name here?   Whenever I used millenia dc. I used to get "one mobikwik system" as merchant name .

Please confirm what should be merchant name while transacting with HDFC platinum DC

The PostMighty The PostMighty
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There is absolutely no need to bother validating the merchant name when using HDFC Platinum DC on Mobikwik for CC bill payment.

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Deal Subedar Deal Subedar
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Icici pocket limits per day? Also, can we pay cc bill directly via pockets wallet balance?

The PostMighty The PostMighty
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How to get this RBL Signature + Dc ? Please enlighten us if possible.

Deal Cadet Deal Cadet
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Open rbl saving account min balance of 5k or higher variant. 

Do not apply any debit card at time of opening.

After account is active, apply this debit card. 5.9k charges. You will get 5k voucher after few weeks of dc delivery if you do an offline tranx. 

If you want more details google search for rbl signature plus dc benefits, you will get many forums/threads on this topic. 

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Deal Newbie Deal Newbie
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Hdfc credit card payment we cannot do from hdfc pay right? We need to use mobikwik?

Deal Cadet Deal Cadet
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Yes. But Mobikwik has changed merchant payment codes. So, can't say if earning points now. Better wait for couple of days.

Alternatively, can do cc to cc payment: start process to pay cc bill with dc, but cancel at otp page. It will take you to payu page to enter card details again.  enter debit card details to pay but cancel again at otp page. Third time use cc details and complete tranx, it will go through.without extra charges.. Only few cc working like sbi, idfc, icici apay. Working now, can stop any day. 

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Deal Newbie Deal Newbie
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@Sachin9811 Alternative method on mobikwik?

Deal Cadet Deal Cadet
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Except hdfc bill pay and mobikwik, I am not aware of any other.

Can pay excess cc bill from bill pay and get refund later from cc (sbi cc refund process easiest). You will get cashback. 

Deal Cadet Deal Cadet
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for RBL DC, is digital account ok. or account from branch is needed ?

Deal Cadet Deal Cadet
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Better to open from branch. There has been some cases where they froze digital account for high value transactions which defeats the purpose of this card,

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Deal Subedar Deal Subedar
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Do hdfc platinum debit cards still give cashback on mobikwik after they changed merchant?

Spearhead Spearhead
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+1

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Deal Cadet Deal Cadet
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Very enlightening and interesting information.

Wingman Wingman
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Now One mobikwik merchant name is coming in OTP page.
Cool Cool
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Merchant name is gone..loot is gone tired_face

Deal Newbie Deal Newbie
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Mobikwik loot gone pensive Any other app

Deal Cadet Deal Cadet
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Because of change in MCC at MKWK side ? 
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Generous Generous
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Idfc ki murgi kartne gaye to mobi egg dena band kar diya. 🤷..

Generous Generous
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Ek tha idfc.

Generous Generous
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Ek tha mobid..k

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