https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509036
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Best method to pay Credit Card bills from debit cards and other credit cards (updated periodically)
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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]
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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.
Top Comments
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509082
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.
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509172
dexter_greycells wrote: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.
Been around for years. Many other banks have rewards points, none so popular. Chances that other will copy/provide more rewards.
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509190
although this may need its own thread - is there a way to pay another persons bank account using CC? instead of NEFT?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509298
rach_2222 wrote:although this may need its own thread - is there a way to pay another persons bank account using CC? instead of NEFT?
Dont think any option to do directly. Can load wallets through c card then trf
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509515
+
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509523
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Sachin9811 wrote:Dont think any option to do directly. Can load wallets through c card then trf
Snapay laughing in the corner
..
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509810
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urmila.contact wrote:Snapay laughing in the corner
..
Yeah that app does have a lot of tricks up its sleeve
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9509998
@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 ?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510248
karthi9592485 wrote:@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 ?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510265
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Sachin9811 wrote:
No buddy. I don't know.
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510346
3rd point in which account category Millennia fee waived off?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510350
Baaap wrote:3rd point in which account category Millennia fee waived off?
Classic, preferred, etc
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510362
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Sachin9811 wrote:I guess that applicable for 750 cardClassic, preferred, etc
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510371
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510434
Erupee official app? or any bank specific erupee app?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510437
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?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510494
yalgaarHo wrote: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?
Use 2nd.
That is send money from gpay to 'Pockets.Your number@icici'
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510495
yalgaarHo wrote:Erupee official app? or any bank specific erupee app?
Try icici e rupee. But small amount check if it works for you.
Hearing from people it stopped for them.
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510503
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510664
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urmila.contact wrote:So for Classic Account holder HDFC Easyshop Platinum DC 750/- Fees are waived off?
Yes
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510691
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First year or 2nd year ?
Sachin9811 wrote:OkayYes
First year or 2nd year ?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510791
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urmila.contact wrote:
Okay
First year or 2nd year ?
Afaik No fees at all. No issuance no annual. You can check w customer care as well..
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510815
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Sachin9811 wrote:Okay I am checking statement if I was charged in March 2023 when card was issued to meAfaik No fees at all. No issuance no annual. You can check w customer care as well..
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9510870
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Sachin9811 wrote:Rupay CC option is not eligible to pay on thatUse 2nd.
That is send money from gpay to 'Pockets.Your number@icici'
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9511027
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9511235
What is the benefit of using the pocket app?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9511481
karthi9592485 wrote:Same here but for me fortunately amount was just 100 rs since i wanted to test it first with small amount , i think this happened because our pockets acc /card might have been deactivated or in dormant state, try asking cc@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 ?
https://www.desidime.com/discussions/best-method-to-pay-credit-card-bills-from-debit-cards-and-other-credit-cards-updated-periodically?page=1#post_9511547
piyushubham95664 wrote:What is the benefit of using the pocket app?
Cc to bank/cc free of charge
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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.
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.
Snapay laughing in the corner
..