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.
Finance
Credit Card
@Sachin9811 you said use Amazon UPI to pay bill using Amazon balance. However, when I try this I don't see amazon account option in the Amazon UPI. It only shows my bank. While I pay to merchant it allows Amazon wallet UPI, but not for bills. Anything I am missing here?
Wow
You r able to use az money via scan nd pay
Here i tried in so many shops. It's showing only bank account option
Is there any trick to use ?
Ok cool
I have HDFC milenia credit card. I wants to pay bill of this card via my HDFC platinum debit card through bill pay to get 1% DC cashback but there is no option to select HDFC credit card for bill payment.
Wait u get 2.5% by paying with hdfc milenia?
for online or other transactions i think not with everything
With the HDFC Bank Millennia Debit Card, you can truly Keep Going with Debit.
Key features:-
Get up to ₹4800 CashBack every year
5% CashBack points on shopping via PayZapp and SmartBuy
2.5% CashBack points on all online Spends
1% CashBack points on all offline spends and Wallet reloads
For below debit cards - which account variant is needed? What is the minimum account balance needeD?
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.
I have 10k offline account. You can create an online account as well minimum balance 5k.
there are other posts on this topic, go through them
What is the reward rate on idfc debit card on sbi unipay
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.
Try Shriram One Application for paying Credit Cards with Debit cards without any convenience fees, the MCC is 4900 (Checked with RBL Bank) for SHRIRAM FINANCE Ltd on the payment gateway, and thus Rewards should be there. Enjoy while it lasts! 😌
Others please confirm this as well. Else, I will try next month
Is there any alternative to pay hdfc credit card bill and get some benefit. I also have hdfc platinum debit card
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.
Trying to pay sbi cc bill via bob rupay cc but failing everytime ...all other rupay cards working except bob
Through which app?
@Sachin9811 bro , what is the process to get visa signature, visa platinum and mastercard world on the Indusind Select and Indusind Exclusive account.
Select and exclusive are Indusind account types. Search their features and minimum balance requirement. with either of those accounts you get these 3 debit cards. Many posts available with details on this website and others.
Link for SBI unipay please.
Use Omni app for debit card
10000 per day for debit card
Transfer back
What is the mcc for omni?
I have HDFC regular savings account 10K with millenia Debit card
Can I create another savings max account 25k for platinumDC ??
And with this account easyshop platinum dc will be given na??
Yes, You Can Get In That Way
Will this work - I have Tata Neu HDFC Rupay credit card so make CC payment from SBI unipay portal using UPI Rupay CC and get 1.5% Neucoins (capped to 500 pm). Then use HDFC Easyshop Platinum debit card to pay this Rupay card dues via Unipay portal and get 1% cb. So basically double dipping on the rewards plus additional days to pay Rupay CC as per statement payment date.
+1 also how to check if we earn the points for the transaction on app
How to use amazon upi to pay bill from wallet and what is 500 mentioned in millennia dc one
If I've 70k cc bill which gives more rewards
A. Hdfc billpay flat 1% upto 75000 =₹700
B. Idfc select dc on park+ will give more or less?
Hdfc will give 700. Idfc select will give 0.5% till 50k and 2.5% post 50k. So, 750..
I see park+ removed debit card option, where are you using idfc dc to pay cc bill to get RP?
Hi @abhishek012, Still have not received the refund for the 21 March Payment, using IDFC DC in SBI Unipay.
I Emailed all possible emails, but still have not received a refund, also dispute rise with IDFC Bank.
What is the next step for complaining again about SBI Unipay?
Is it possible in RBI?
Wait for dispute to get resolved
Any other possibilities apart from SBIunipay? For RBL signature+
How to track if HDFC millennia dc giving cashback on paying cc bill.
@abhishek012 bhai or others, please help, I loaded 40k into Apay wallet using millenia debit card (since paytm wallet gone), now how can I use the Apay balance to pay a HDFC credit card. Thanks in advance
What is the maximum bill amount we can pay through sbi unipay.
I tried 1,67,000 and payment was successful even on the sbi transaction page but next page it showed some error like amount exceeded !!
also, how much time it would take to refund the amount ?
Itni himmat ho gai .. wow.. 167k on sbiunipay in one go 
Tried paying hdfc cc using SBI unipay, 100 sucess 1k success, thought will do rest 30k in 1 shot and failed. Total BS website just same as SBI. Dont know when refund will be processed + still need to pay 30k bill. Touched SBI after long time and its still just waste, if txn fails reverse in 48hrs(everyone is able to do why not SBI)?
how can i add money to wallet and transfer it to bank account except Amazon?
I'm trying to pay HDFC CC Bill from HDFC Netbanking BillDesk(New GUI), I don't see HDFC at all in the billdesk page of HDFC.
I'm only allowed to pay via the netbanking section directly.
I'm tired of using CRED, not adding any value. Please help me with this resort. I see lot of them mentioning of 1% cashback with bill desk of HDFC, which doesn't seem to have support for its own card!
Idfc shows unipay as 9399 @abhishek012
9399: Government Services, Not Elsewhere Classified
Have you paid using DC or UPI?
So, if the transaction is below 400, then I will get nothing.
Does, it gives fractional points like HDFC Plat DC.
Suppose if transaction amount is 510, how much cb I will get (Considering @ 1%)? 4 or 5.1
Paid 50k via Uni pay... transaction was successful..but the money hasnt been still credited in the account...its been more than 24 hrs...how much time does it usually take..??
![Amazon : Flat ₹75 Cashback On ₹100 Shopping [Selected Accounts]](https://cdn1.desidime.com/topics/photos/1786229/medium/IMG20240505200820397.jpg?1714920347)
 - 2024 version for Rs. at ){kind=link}
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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% ?
Answer to question 2: 5% (upto 1k) + 5% (upto 400)
Try Shriram One Application for paying Credit Cards with Debit cards without any convenience fees, the MCC is 4900 (Checked with RBL Bank) for SHRIRAM FINANCE Ltd on the payment gateway, and thus Rewards should be there. Enjoy while it lasts! 😌
Thanks!
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