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Brand New Free Credit Card to Bank trick upto 2 lakhs per month + BOB Eterna give 3.75% Cashback

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abhishek012

Brand New Free Credit Card to Bank trick upto 2 lakhs per month + BOB Eterna give 3.75% Cashback:

Trick 1 - 

Note - Payzapp mini kyc user limit is Rs10,000 per month and payzapp full kyc user limit is 2 lakhs per month.

Step 1 - first download new payzapp app (If you already use new payzapp app then go to step 2)- https://www.desidime.com/deals/new-payzapp-app-...

Payzapp's new app waitlist bypass steps -

Download and Open the new app from the play store
1. Enter the number
2. Tap on Proceed Securely button and immediately turn off the internet.
3. Once you see a select sim card pop up, turn the network back on and wait till you see the network icon and press send SMS.
Done - Welcome to the new payzapp app.

You may need to try this a few times to make it work.
Two sims in the device may help this process work easier.

Step 2 - now load money through any Credit cards (BOB Eterna give 3.75% Cashback for wallet loading))

1st time load Rs100.

Now go to your payzapp >> profile >> payzapp wallet and copy your payzapp Virtual card details.

Step 3 - Open Uber app and go to paytm payment option

add Rs100 and pay through your payzapp Virtual card details.

Tada! your money successfully loaded to your paytm wallet.

Step 4 - Note - 2nd time load Rs9900 and transaction again to paytm wallet load via Uber app.

3rd time, many users get "lost in space error" on paytm wallet load via Uber.

so, i recommended try Rs100 3rd time and check transaction working or not.

If working then 4th time try Rs9900 and transaction again to paytm wallet load via Uber app.

5th time again try Rs100, if everything working perfectly then go ahead otherwise wait 24 to 48hrs and then transaction again.

Every 10k spend, next time use Rs100 transaction. Dnt load higher amount of money in your Payzapp wallet.

You can also delink your paytm wallet and link again to uber app, if you get "lost in space error".

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Trick 2 -

If you have BOB or Kotak Credit card then you can also pay these banks credit card bill through your Payzapp wallet balance.

If full due amount showing to pay then after paid, remove the biller and add again to pay again through Payzapp wallet balance.

Note - Only BOB  and kotak credit card bills (BBPS) are supported through payzapp wallet payment.

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Trick 3 -

Another trick is Mobikwik wallet RuPay card. Load money to your mobikwik wallet using Credit card or Amex card and use Mobikwik wallet RuPay card to paytm wallet via Uber app. already explain here - https://www.desidime.com/deals/mobikwik-free-cr...

Just Remember - always use your full mobikwik balance for your mobikwik wallet RuPay card transaction to load money in paytm wallet via Uber app.

Note - when you use Mobikwik wallet RuPay card on Paytm wallet load via Uber app, use this payment gateway only, dnt use another one, otherwise 2.5% charges applied. Also use full mobikwik wallet balance. see here gateway page screenshot -

mksuccess

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Trick 4 -

Maya money wallet RuPay card - mini kyc 10k free credit card loading limit per month (i think full kyc option also available, you need to contact mayamoney support team. Full kyc limit 2 lakhs per month).

Full details about mayamoney wallet app and signup process here - https://www.desidime.com/discussions/another-tr...

Note - after load money, you need to wait minimum 16 mins to 20 mins before transaction otherwise you transaction will get declined.

First time try Rs1 or Rs100 and load to paytm wallet via Uber app.

One important thing, 2 different payment gateway page open and both gateways, i successfully loaded but you need to wait  minimum 16 mins to 20 mins before transaction otherwise you transaction will get declined.

success

My Mayamoney Wallet transaction history, see here after load money dnt do any transaction within 16 to 20 mins, otherwise transaction getting dislined. after 16mins transaction success -

Screenshot20230305-032218

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Trick 5 -

Aeronpay wallet RuPay card. Well, if you already have Aeronpay wallet full kyc then use Aeronpay wallet RuPay card to  paytm wallet via Uber app.

I m not recommended any new users to do full kyc on Aeronpay wallet. Only old users try because your money will get stuck for few days/weeks.

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Trick 6 -

Paulpay wallet - I m not verified yet with Paulpay wallet RuPay card because i think mayamoney and paulpay wallet limit is shared and Paulpay wallet also charge 1% for credit card loading.

Paulpay wallet - mini kyc limit 10k and full kyc limit 2 lakhs per month

If you want to try then i recommended try first time with Rs1 and also wait 16 to 20 mins before transaction to paytm wallet via Uber.

Full details about paulpay wallet app and signup process here - https://www.desidime.com/discussions/new-trick-...

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2 lakhs per month, do it 5 times in 5 months = 10 lakh = IT notice

Enjoy

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Digitalguy wrote:
2 lac includes Wallet load and spend by payzapp card.
I have loaded 1.1 Lac and spent 1 lac

So transaction limit breached
No.

Read payzapp all limits here -

Screenshot20230316145648PayZapp

Generous Generous
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_Dracarys_ wrote:

U mean cumulative of all cards of different cards spends should be within 10L per year ??

Cumulative of all cards from a bank (ex. Fk axis+ace+ myzone)

As individual bank reports it

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Deal Subedar Deal Subedar
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Master thread bana diya...sirf payzapp load hi naya addition. Par yeh bhi to bola hota ke payzapp load pe exact MCC kya aata hai CC charge hone pe (generic wallet loading bola)?

Aur payzapp CC load mein convenience charges/fees hota ya nahin? Mobikwik mein to surely loading fees hai...

Agar wallet loading hai to most CC aajkal 1% charge bhi karta hai extra statement pe... like OneCard, SimplyClick, isn't it? To fayda samjha do hum ullu logon ho...

Deal Cadet Deal Cadet
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HDFC Moneyback card & Millennia , any charges like 1% need to pay ? And can we use it for reaching milestone reward ?

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2 lakhs per month, do it 5 times in 5 months = 10 lakh = IT notice

Enjoy

Deal Cadet Deal Cadet
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saurabh1 wrote:

2 lakhs per month, do it 5 times in 5 months = 10 lakh = IT notice

Enjoy

No one is asking you to make it 10L plus

Like if you are having multiple credit cards if u still getting benefitted for wallet load if wallet load is getting counted for reaching milestone benefits/ or reaching to that limit so that no annual charges will be there use it

And as far as i know people using credit cards for long ( not ameture ones ) knows that 10L+ Usage thing

Deal Cadet Deal Cadet
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BoB Eterna stopped giving 3.75% cashback for wallet loads (as per last devaluation) right?

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MrMonkey wrote:

BoB Eterna stopped giving 3.75% cashback for wallet loads (as per last devaluation) right?

No. Bob Eterna give 3.75% rewards on wallet loading including payzapp wallet.

Deal Cadet Deal Cadet
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rusty.james wrote:

No one is asking you to make it 10L plus

Like if you are having multiple credit cards if u still getting benefitted for wallet load if wallet load is getting counted for reaching milestone benefits/ or reaching to that limit so that no annual charges will be there use it

And as far as i know people using credit cards for long ( not ameture ones ) knows that 10L+ Usage thing

What if I clear the dues before statement is generated???

Deal Cadet Deal Cadet
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zesh120790 wrote:

What if I clear the dues before statement is generated???

Then also total usage will be same

There is a difference between total usage & generated bill


Deal Subedar Deal Subedar
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zesh120790 wrote:

What if I clear the dues before statement is generated???

Doesn't matter, yearly cumulative spend value matters... dunno if it's financial year or jan-dec...
Talk-Of-The-Town Talk-Of-The-Town
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Agnivo007 wrote:
Doesn't matter, yearly cumulative spend value matters... dunno if it's financial year or jan-dec...

U mean cumulative of all cards of different cards spends should be within 10L per year ??

Generous Generous
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Agnivo007 wrote:
Doesn't matter, yearly cumulative spend value matters... dunno if it's financial year or jan-dec...

Apr mar

Generous Generous
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_Dracarys_ wrote:

U mean cumulative of all cards of different cards spends should be within 10L per year ??

Cumulative of all cards from a bank (ex. Fk axis+ace+ myzone)

As individual bank reports it

Helpful Helpful
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Cumulative Value of 'Purchases' made through all cards of same Bank combined together, during April to March

Cool Cool
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how to remove biller in payzapp ?

Tech Guru Tech Guru
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Income tax Department se kitna percentage pe fix kiye ho deal

Talk-Of-The-Town Talk-Of-The-Town
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insta wrote:

Cumulative of all cards from a bank (ex. Fk axis+ace+ myzone)

As individual bank reports it

So, from a single bank which has multiple cards( ex. axis) , the cumulative spends should be within 10L/financial year right??
Deal Cadet Deal Cadet
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abhishek012 wrote:

No. Bob Eterna give 3.75% rewards on wallet loading including payzapp wallet.

Does trick 1 work for old payzapp account card??

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pandey.sandy.23981 wrote:

Does trick 1 work for old payzapp account card??

I heard yes working, first time try with Rs100.
Deal Subedar Deal Subedar
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abhishek012 wrote:
I heard yes working, first time try with Rs100.

10k limit for old app, 1L for new app. Both full kyc.

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Knight11 wrote:

10k limit for old app, 1L for new app. Both full kyc.

Payzapp full kyc limit is 2 lakhs na ?
Deal Subedar Deal Subedar
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abhishek012 wrote:
Payzapp full kyc limit is 2 lakhs na ?

It is written as 2L for new one. But no transaction happens beyond 1L. Failure message says limit crossed. I raised to payzapp support already. But no resolution even after 2 weeks.

For old one, it says wallet to wallet transfer limit is 10K. 

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Knight11 wrote:

It is written as 2L for new one. But no transaction happens beyond 1L. Failure message says limit crossed. I raised to payzapp support already. But no resolution even after 2 weeks.

For old one, it says wallet to wallet transfer limit is 10K. 

Ok then use Mayamoney wallet, after laod money you need to wait 20mins before use.

first time try with small amount.
Deal Subedar Deal Subedar
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abhishek012 wrote:
Ok then use Mayamoney wallet, after laod money you need to wait 20mins before use.

first time try with small amount.

Don't want to try these new apps. Just sticking to payzapp and mobikwik for now. 10k+1L+1/2L (mobikwik) is more than enough 🤣.

Benevolent Benevolent
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Payzapp's new app waitlist bypass steps -

Download and Open the new app from the play store
1. Enter the number
2. Tap on Proceed Securely button and immediately turn off the internet.

3. Once you see a select sim card pop up, turn the network back on and wait till you see the network icon and press send SMS.
Done - Welcome to the new payzapp app.

Does this work on an iPhone or do I need to upgrade to android? Can't do step 2. Not interested in rotation, but will like to have the new payzapp app.

Deal Subedar Deal Subedar
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will sbi cashback card give 5% on payzapp load?

Generous Generous
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_Dracarys_ wrote:
So, from a single bank which has multiple cards( ex. axis) , the cumulative spends should be within 10L/financial year right??
yes
Deal Cadet Deal Cadet
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Is payzapp bypass trick working now, since after selecting sim to send sms, now it's saying again you are waitlisted.

Deal Subedar Deal Subedar
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abhishek012 wrote:
Ok then use Mayamoney wallet, after laod money you need to wait 20mins before use.

first time try with small amount.

Card activate krne k liye voter id k next step par Address dalne pe "State not found" error aa rha, how to resolve this?

Deal Newbie Deal Newbie
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@abhishek012 : after loading money few times via payzapp Uber Paytm way got lost in space error. After removing paytm payment method it's not allowing Paytm to add with error 'card details you have entered is incorrect '


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