Best way to pay CC after rupay?

95°
Deal Cadet
abhishekkjain

Hello,

Have to pay 2.5 lakh cc bill in a week, looking best ways to get max rewards/cashback/points.

1. Banking RM ne HDFC Millennia chep diya 4800/yr ki limit bol ke. Later learnt 400 limit, so need to still see how to pay 2.1l.

2. Have SBI DC which provides 4 points or .25 INR for 100 spent.

3. Have savings account at SBI, IDBI, Kotak, HDFC, Union, IDFC, ICICI, RBL, AU.

Paytm KYC in process (limit of 10k currently but I think it will still be 1l).

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
18 Comments  |  
10 Dimers
  • Sort By
Deal Captain Deal Captain
Link Copied

Is IDFC debit card rewards not working on CC payments at any portal?

Deal Cadet Deal Cadet
Link Copied
Neversaynever wrote:

Is IDFC debit card rewards not working on CC payments at any portal?

I have very old IDFC debit card which didn't have any reward policy. Are points enabled on the same later?
Deal Cadet Deal Cadet
Link Copied

This was the thread https://www.desidime.com/discussions/best-metho...


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]

Deal Captain Deal Captain
Link Copied
Expand
abhishekkjain wrote:
I have very old IDFC debit card which didn't have any reward policy. Are points enabled on the same later?
Don't know and don't risk paying a huge amount like that when you don't know for sure there is reward.
Spearhead Spearhead
Link Copied

What do you mean by 'after rupay'? What is this rupay method

Spearhead Spearhead
Link Copied
abhishekkjain wrote:

This was the thread https://www.desidime.com/discussions/best-metho...


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]

Why have you crossed out hdfc platinum dc?

Deal Cadet Deal Cadet
Link Copied
Expand
NeoM wrote:

Why have you crossed out hdfc platinum dc?

Mobikwik changed merchant name for cc payment. And it might not come under bill pay. That's my guess.

Deal Cadet Deal Cadet
Link Copied
Expand
sagarC wrote:

Mobikwik changed merchant name for cc payment. And it might not come under bill pay. That's my guess.

True sob

Now coming up as 'Merchant' or 'PayU'

Benevolent Benevolent
Link Copied
Expand
sagarC wrote:

Mobikwik changed merchant name for cc payment. And it might not come under bill pay. That's my guess.

can anyone confirm if HDFC platinum still giving cashback or not, via mobikwik
Deal Cadet Deal Cadet
Link Copied
Expand
sagarC wrote:

Mobikwik changed merchant name for cc payment. And it might not come under bill pay. That's my guess.

I cancelled as I only have 1 savings account and HDFC representative sold me HDFC Millennia debit card. I don't know if the same works or not.
Budding Star Budding Star
Link Copied

Which HDFC debit card is best for CC payments? HDFC Millenia or platinum dc

Deal Cadet Deal Cadet
Link Copied
LG50 wrote:

Which HDFC debit card is best for CC payments? HDFC Millenia or platinum dc

Platinum DC has better monthly limit.
Deal Cadet Deal Cadet
Link Copied

Any app that gives some useful points? CRED is fully used. Mobikwik is useless... Snapay stopped is what I learnt.

replyuser
Click here to reply
Reply