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Best method to pay Credit Card bills from debit cards and other credit cards (updated periodically) - 2024 version

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Deal Cadet
Sachin9811

Valid as on  23rd April 2024. I will keep on updating here and also on https://twitter.com/sm98119/status/178243226540....

1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.

1b) RBL Enterprise dc: 5% cb on paying cc bills using sbi unipay upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher.

2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories).

3) HDFC Millennia debit card: can be used to load Amazon wallets and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay to get 2.5%. Cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from amazon wallet.

4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq for mastercard variant. Incremental rewards so if spend is for example 10k only <0.5% rewards. 

For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise.

For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.

6) 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. Max cashback limit : Rs30 per tranx. Rs.100 per day.

7) IDFC Debit cards: Pay cc bill using sbi unipay.

Reward rate depends on account type.

Ex: for wealth account : 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly

Ex: for basic account : 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.8k rewards max monthly

Dc Fees as per variant.

8) Axis Liberty dc : Use to pay cc through sbi unipay. For 60k spend in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies.

9) Other dc: Axis Burgundy 2 ER per Rs200(Mobikwik), Axis Burgundy Private 1.5% ER, sbi dc 0.25%, union bank signature 1%.

Imp note: SBI Unipay is working now for most of people, still try with small amount first. Cheq and Paytm MCC can be different in some trx but mostly working for indus.

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

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
Deal Subedar Deal Subedar
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@Sachin9811 If I do any recharge / CC Bill payment through payzapp and pay using HDFC Millenia then how much cashback will I receive, will it be 5% or 2.5%

If I will buy amazon Gift card using HDFC Smartbuy will I get 5% or 2.5% ?

Deal Subedar Deal Subedar
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answer to question 1: Through Pazapp - 0 cashback
Answer to question 2: 5% (upto 1k) + 5% (upto 400)
Helpful Helpful
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@Sachin9811 ohh, so just 10 cashback....seems waste!
Thanks!
Finance Ninja Finance Ninja
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@batguy143 Now Credit Card bill payment working perfectly for HDFC Credit card on SBI unipay.

Note - first time try Rs100 and then 1k, 5k, 10k or max 20k. Do multiple transactions.

Dnt use SBI unipay at night, if possible try on bank working hours.

@Sachin9811

Deal Cadet Deal Cadet
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Valid as on 7th May 2024. I will keep on updating here and also on https://twitter.com/sm98119/status/178243226540....

1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.

1b) RBL Enterprise dc: 5% cb on paying cc bills using sbi unipay upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher.

2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories).

3) HDFC Millennia debit card: can be used to load Amazon, mobikwik or slice wallet and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay or sbi unipay to get 2.5%. Cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Bill desk QR code to pay cc bill from amazon wallet.

4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay for mastercard variant. Incremental rewards so if spend is for example 10k only <0.5% rewards.

For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise.

For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.

6) 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. Max cashback limit : Rs30 per tranx. Rs.100 per day.

7) IDFC Debit cards: Pay cc bill using sbi unipay.

Reward rate and dc fees depends on account type:

For wealth account : 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly. So, around Rs.5.36L transaction can be done.

For Select account : 0.5% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.7.5k rewards max monthly. So, around Rs.3.4L transactions can be done.

For basic account : 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.2k rewards max monthly. So, around Rs.1.6L transactions can be done.

8) Axis Liberty dc : Use upi to pay through any app or use dc through sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies.

9) Other dc: Axis Burgundy 2 ER per Rs200(Mobikwik), Axis Burgundy Private 1.5% ER, sbi dc 0.25%, union bank signature 1%, Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.

Alternative to SBI unipay: ‘Airtel’ (only bbps cc), ‘Sriram one’ app (only bbps cc) and 'Dhani Pay' (almost all cc; KYC required; not verified myself)

Imp note: SBI Unipay is working now for most of people, still try with small amount first. Paytm MCC can be different in some trx but mostly working for indus.

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

487 Comments  |  
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Talk-Of-The-Town Talk-Of-The-Town
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I tried paying my CC bill using SBI unipay through UPI ( RUPAY CC) but transaction didn't go through.

What should I do now? Been 3-4 days.

Deal Cadet Deal Cadet
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This thread is about dc to cc. But I think you do no need to do anything. It will take 10-15 days for automatic refund.
Post in unipay failure thread for more responses.

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Deal Cadet Deal Cadet
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What is gift edge for axis liberty dc ?

Deal Cadet Deal Cadet
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It’s like gyftr portal for axis bank

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Deal Cadet Deal Cadet
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How to get union bank signature dc ?

How to redeem rp?

Min rp required to redeem ?

Any rp redemtion charges ?

@abhishek012

Deal Cadet Deal Cadet
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I have salary account so it's free.

There's a website to redeem rewards.

Min 400 points required to redeem 100 Rs Apay voucher.

No redemption charges

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Like Magnet Like Magnet
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Millennia gives 2.5% or 1 % on HDFC bill pay?

Like Magnet Like Magnet
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Not able to pay SBI cc bill using HDFC bill pay, anyone facing the same?
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Benevolent Benevolent
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Meanwhile, FI freezing accounts to recover cashback.

IDFC reversing cashback for the complete financial year and closing accounts.

Helpful Helpful
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really?
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Deal Cadet Deal Cadet
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Sbi unipay txns failing

Any other options for rbl s+ dc to get 1% cb ? From next month ?

Deal Cadet Deal Cadet
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Working for most. Try with small amount and check yourself

Deal Cadet Deal Cadet
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Hi I hv indusind select with visa signature debit card 

Yesterday 1st tim I paid my cc  bill of 1k in paytm  still points not reflect in indusapp anyone knows?pls tel me

Deal Cadet Deal Cadet
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It takes 3-4 working days

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Shopping Friend Shopping Friend
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Signature+ got devalued recently na

Deal Cadet Deal Cadet
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When ?

Is there any post ?

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Deal Subedar Deal Subedar
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How Come RBL Enterprise DC Gives 5% Cashback, No One Posted About This Before

Deal Newbie Deal Newbie
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Please don't use SBI uni pay for more than 1 month gone still not receive a refund, even not a given any reply in email.

So, anyone suggest the next step to complain? 

I have already disputed/chargeback request IDFC but have not given any proper response.

Deal Subedar Deal Subedar
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So they closed chargeback without any resolution or are they asking you to wait. I even raised chargeback with HDFC they asked me to wait for 30 days, if SBI will not share any proof with them, then as per VISA policies HDFC will refund me. 
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Freebie Finder Freebie Finder
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Is IDFC debit card on SBI Unipay fetching points?

Helpful Helpful
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Yeah

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Deal Subedar Deal Subedar
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Is icici credit card payment through hdfc plat dc taking longer than usual?

4 days, still no credit.

Deal Cadet Deal Cadet
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HDFC Billpay can take upto 7-8 working days.
View 4 more replies
Deal Cadet Deal Cadet
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HDFC Billpay is a portal on itself or paying through payzapp is considered as Billpay?

Deal Cadet Deal Cadet
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They are different. You will see hdfc Bill pay in hdfc online banking or on hdfc app. Google it otherwise. 

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Deal Cadet Deal Cadet
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RBL signature + dc got devalued right, indusind also has some issues

Deal Cadet Deal Cadet
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Post considers devaluation. 

Deal Cadet Deal Cadet
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Which app to use hdfc cc bill pay using DC

Deal Newbie Deal Newbie
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RBL SPDC is the best dc ever ever ever
Deal Newbie Deal Newbie
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HDFC Billpay not working from 2 days

Deal Newbie Deal Newbie
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Which debit cards will give points for paying credit card bill payments from Paytm directly ?

I am aware of the SBI debit card card but that is just 0.25% which is way too less. Will HDFC platinum, IDFC DC give points ?

Deal Cadet Deal Cadet
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No rp for hdfc easyshop platinum dc

No idea about idfc dc

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Deal Subedar Deal Subedar
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I believe this has been answered already, but still confirming it. 

So, if I will open 

HDFC mobile app >  Bill Payments ( On home screen) > Choose credit card from your billers > Choose Debit card from "Pay From" Dropdown  menu> Enter expiry > Then click on submit and wait for OTP which will be auto filled  > Click on Submit, bill paid successfully. 


If I will do this then after 3 months I will get 2.5% cb? Is that right? So, we have to exactly pay the bill as we do in case of HDFC easyshop platinum DC, no extra steps?

I read somewhere that 2.5% cb is only applicable on Shopping, and as far as I know HDFC Bill pay MCC falls under utility. 

So, we don't have to pay bill through Smartbuy or payzapp, nothing like that, Just simply use HDFC app? Sorry If I am asking something obvious, I am new to all this. 

Plat DC cost 750 whereas Millenia cost only 500, But then why millennia has more benefits as compared to plat DC? 

@Sachin9811

Thank you very much for creating this post. Keep on updating it periodically. You can also add SBI Debit card which gives 0.25% rewards on any online payment. 

Deal Newbie Deal Newbie
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In millennia you get Max : 400 wherever in easyshop platinum you can get 750, my easyshop platinum is free of cost, there is no any charge

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Hunk Hunk
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Any other platform to use Rbl signature+ dc ?

Deal Cadet Deal Cadet
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+1 

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Deal Subedar Deal Subedar
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If anyone holds salary account with HDFC and currently have Rupay platinum DC that's been issued free of cost. 

Can you please confirm, if I will apply for Millenia DC through HDFC app, will it be chargeable or not? Contacted customer care but they have no Idea. 

My product type is: SAVINGS - CORPORATE SALARY TYPE 2

Deal Cadet Deal Cadet
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Ideally it will be free. If you do get charged, call cc they will waive it off as goodwill gesture. 
You can try calling hdfc cc again, some executives are not aware. 

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Deal Cadet Deal Cadet
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sbi uni pay ❌ zero trust ❌

idfc dc any other method if anyone finds do update thanks ✅

Deal Newbie Deal Newbie
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Please give the update about idfc dc reward fetching portal website and app for cc bill payment

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Deal Newbie Deal Newbie
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So, what's the maximum spend amount is rewarded monthly with idfc dc

I don't know my variant, but it has 25k MAB requirement

Deal Newbie Deal Newbie
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what about HDFC MILLENIA on HDFC BILL PAY... please help

Deal Cadet Deal Cadet
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I think HDFC has stopped giving CC payment cashback through platinum DC a long time back. For me this doesn't work anymore

Deal Cadet Deal Cadet
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Can anyone confirm this. Anyone tried recently 

View 6 more replies
Talk-Of-The-Town Talk-Of-The-Town
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Can anybody explain how we get cb on Indusind Select - visa signature debit card

Deal Cadet Deal Cadet
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Use paytm and cred (Dreamplug Paytech merchant only) for cc bill pay.

View 7 more replies
Deal Subedar Deal Subedar
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@Sachin9811 If I do any recharge / CC Bill payment through payzapp and pay using HDFC Millenia then how much cashback will I receive, will it be 5% or 2.5%

If I will buy amazon Gift card using HDFC Smartbuy will I get 5% or 2.5% ?

Deal Subedar Deal Subedar
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answer to question 1: Through Pazapp - 0 cashback
Answer to question 2: 5% (upto 1k) + 5% (upto 400)
View 11 more replies
Deal Newbie Deal Newbie
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image

SBI Unipay can be trusted?
it just showing hello word
i am using correct URL?

Deal Cadet Deal Cadet
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What??? is that true?? height of payment portal these days:)  

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Deal Newbie Deal Newbie
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rbl enterprise dc is for 5 % on utility ? here t is written for cc bill payment ...is it working due to wrong mcc code by sbi unipay?

Deal Cadet Deal Cadet
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Correct

replyuser
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