CC Bill Payment Via UPI Send Money.

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Benevolent
akki.akki
hello dimers..

Eversince paytm started restricing the CC bill payment I started discovering other instant ways to pay CC bill.

So recently I discovered a way to pay credit card bill directly via upi send money, just like we do send money to anyone by entering upi vpa id.

Basically there is a unique UPI VPA on which is mapped to your credit card. This unique UPI VPA is managed by the credit card bank only. And if you send money to this UPI id bank will automatically adjust as payment towards your CC.

Currently I could only find for ICICI & Axis banks only, will add more banks.

  • To pay ICICI Bank Credit Card bill simply send money : CCPAY.<16_digit_card_number>@ICICI eg: CCPAY.6528550026779009@ICICI
  • To pay Axis Bank Credit Card bill simply send money : CC.91<registered_mobile_no><last_4_digit_of_cc>@AXISBANK eg: CC9198765432109876@AXISBANK
  • SBI Card :
    SBICARD.<16_digit_card_number>@SBI eg: SBICARD.4345667899079843@SBI
  • IDFC Bank : <16_digit_card_number>.CC@IDFCBANK eg: 4345667899079843.CC@IDFCBANK
  • AU SFB : AUCC<registered_mobile_no><last_4_digit_of_cc>@AUBANK eg: AUCC9198765432109876@AUBANK
  • American Express : AEBC<15_digit_card_number>@SC eg: AEBC375567788656743@SC

The best part is that its totally free, and instant, can pay from any UPI app and does not depend on card variants or network issued by bank.

Note : Verify the display name before sending money. And try to send 1 Rs. first to verify the whole process.

Note2 : This post is a genuine & legitimate way to pay CC bill thru your bank account via UPI. if any of UPI app is giving option to select RupayCC option then it is just bug which will be patched in near future.
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.
32 Comments  |  
17 Dimers
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Deal Newbie Deal Newbie
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American express

AEBCXXXXXXXXXXXXXXX@SC

XXXXX is your card number

Talk-Of-The-Town Talk-Of-The-Town
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DimeEarner wrote:

Tum isse bhi baand krwa dena😂 

But why? This is a genuine way to pay cc bills. 

Been there for quite a long time and very useful
Deal Cadet Deal Cadet
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Credit CardUPI ID Format


American ExpressAEBC<Your 15 digit card number starting with 37>@SC


AU Small Finance BankAUCC<Your 10 digit registered mobile number><last 4 digits of your Credit Card>@AUBANK


Axis BankCC.91<Your 10 digit registered mobile number><last 4 digits of your Credit Card>@axisbank


ICICI Bank<ccpay. your credit card number @ icici>


IDFC Bank<your 16-digit card number>.cc@idfcbank


State Bank of IndiaSbicard.<16 digits of your Credit Card number>@SBI

Deal Cadet Deal Cadet
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Seinfeld wrote:
But why? This is a genuine way to pay cc bills. 

Been there for quite a long time and very useful

But pay CC bills from CC without charges is not genius when cc trnxs happen in bulk for payment probably vpn not accept cc upi😆

But @akki.akki you did a benignant search👏

Talk-Of-The-Town Talk-Of-The-Town
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DimeEarner wrote:

But pay CC bills from CC without charges is not genius when cc trnxs happen in bulk for payment probably vpn not accept cc upi😆

But @akki.akki you did a benignant search👏

But how will I pay the UPI using CC, eg. tata neu rupay cc via upi will not show up for almost all apps which I know off if I try to pay credit card bill. 

I guess @akki.akki mentioned here the convenience of paying off cc bills using upi.

And you are thinking of paying CC using CC via loopholes which abhishek posted. Both are separate things.

Deal Cadet Deal Cadet
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Seinfeld wrote:

But how will I pay the UPI using CC, eg. tata neu rupay cc via upi will not show up for almost all apps which I know off if I try to pay credit card bill. 

I guess @akki.akki mentioned here the convenience of paying off cc bills using upi.

And you are thinking of paying CC using CC via loopholes which abhishek posted. Both are separate things.

Sorry haven't read correctly  actually after reading this i checked it on upi app and in upi pin entering page i found last 2 digits of my upi cc but haven't paid thats why i commented 

🙏Sorry for the messup🙏

Screenshot20230915-1216022

Benevolent Benevolent
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ajitshukla2k13950 wrote:

Which app is taking rupay option for this vpa

I am only referring to Bank account to cc Payment.
rupay cc to normal is not legitimate.
Talk-Of-The-Town Talk-Of-The-Town
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"Eversince paytm started restricing the CC bill payment" - What are talking about? I just paid in the first week of Sep'23.

On a related note, SBI lets you generate a QR code for paying CC bill. I have used that a couple of times when I used to get "Scan and Pay" cashback offers in Amazon Pay / Google Pay / PayTM UPI.

Deal Cadet Deal Cadet
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dexter_greycells wrote:

"Eversince paytm started restricing the CC bill payment" - What are talking about? I just paid in the first week of Sep'23.

On a related note, SBI lets you generate a QR code for paying CC bill. I have used that a couple of times when I used to get "Scan and Pay" cashback offers in Amazon Pay / Google Pay / PayTM UPI.

Where is the option to generate QR code in sbi card app?

Benevolent Benevolent
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dexter_greycells wrote:

"Eversince paytm started restricing the CC bill payment" - What are talking about? I just paid in the first week of Sep'23.

On a related note, SBI lets you generate a QR code for paying CC bill. I have used that a couple of times when I used to get "Scan and Pay" cashback offers in Amazon Pay / Google Pay / PayTM UPI.

What i meant is that paytm is now limiting the cc bill payments from their app.
Analyst Analyst
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@akki.akki bro, you discovered this thing so so so very late. If you go through the CC Bill Generated Email or the Bill Statement PDF, you'll find that it's mentioned there itself since last few years.

Benevolent Benevolent
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UniqueDimer wrote:

@akki.akki bro, you discovered this thing so so so very late. If you go through the CC Bill Generated Email or the Bill Statement PDF, you'll find that it's mentioned there itself since last few years.

i found such info only in icici statement. did not find anything in sbi, axis or hdfc. collected info for other dimers.
good to know that u already knew this.
Generous Generous
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Jitna accha trick hai.. utne like nahi aa rahe bhai ko.. good job bro.. dimag me tha par click kiya post ke baad.

Deal Cadet Deal Cadet
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Useful when we have to make it immediate. But most of the time we try to benefit from CC bill payment too smile

Commentator Commentator
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Any UPI IDs or NEFT details for onecard as well? Asking for a friend

Deal Subedar Deal Subedar
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I am getting rupay upi credit card option in phone pe/paytm when adding money in Fi app....can I add it?

Will there be charges later?

Hunk Hunk
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rajattarsolia wrote:

I am getting rupay upi credit card option in phone pe/paytm when adding money in Fi app....can I add it?

Will there be charges later?

No charges..u can add Money do in limits only

Deal Subedar Deal Subedar
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Tried sbi, icici but showing invalid upi I'd in gpay, paytm

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