Credit card bill payment trick?

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parveenkk

Is there any trick to pay credit card bill through credit card excluding paytm wallet recharge
TIA

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Snapay – Utility payments – Enter credit card as beneficiary – T+1 transaction – PWR – Intermiles – Credit card.

3.5% snapay charges, 2% PWR CB to be used in next transaction, 5% intermiles to be credited after 30 days and redeemed at 0.25 per intermiles on snapay next month, credit card rewards upto 3.33% based on card type.

Even with a card of 0.5% reward rate, this is neutral deal. More reward is profit.

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Knight11 wrote:

Snapay – Utility payments – Enter credit card as beneficiary – T+1 transaction – PWR – Intermiles – Credit card.

3.5% snapay charges, 2% PWR CB to be used in next transaction, 5% intermiles to be credited after 30 days and redeemed at 0.25 per intermiles on snapay next month, credit card rewards upto 3.33% based on card type.

Even with a card of 0.5% reward rate, this is neutral deal. More reward is profit.

Settlement instantly?

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parveenkk wrote:

Settlement instantly?

Next day, even 11-30 pm transaction gets settled by 10am.

For same day or instant settlement, charges are 4% or 4.5%.

Also, Statement may take more time to show up depending on bank. Axis shows up immediately. Hdfc shows up immediately in unsettled list. BOB takes 3-4 days to show up.

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Knight11 wrote:

Next day, even 11-30 pm transaction gets settled by 10am.

For same day or instant settlement, charges are 4% or 4.5%.

Also, Statement may take more time to show up depending on bank. Axis shows up immediately. Hdfc shows up immediately in unsettled list. BOB takes 3-4 days to show up.

Thx

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Knight11 wrote:

Next day, even 11-30 pm transaction gets settled by 10am.

For same day or instant settlement, charges are 4% or 4.5%.

Also, Statement may take more time to show up depending on bank. Axis shows up immediately. Hdfc shows up immediately in unsettled list. BOB takes 3-4 days to show up.

Is aadhar kyc mandatory for using snapay?
Or Is there any other way?
TIA

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sujith8786 wrote:

Is aadhar kyc mandatory for using snapay?
Or Is there any other way?
TIA

yes, pan + aadhar both are asked.

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Knight11 wrote:

Snapay – Utility payments – Enter credit card as beneficiary – T+1 transaction – PWR – Intermiles – Credit card.

3.5% snapay charges, 2% PWR CB to be used in next transaction, 5% intermiles to be credited after 30 days and redeemed at 0.25 per intermiles on snapay next month, credit card rewards upto 3.33% based on card type.

Even with a card of 0.5% reward rate, this is neutral deal. More reward is profit.

2% pwr cb comes when? Don’t see anywhere written that 2% will be given on using PWR.

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deep_ wrote:

2% pwr cb comes when? Don’t see anywhere written that 2% will be given on using PWR.

It comes instantly in PWR wallet. Try another transaction of amount equal to cashback. You will see that option on top to apply. This transaction will be free.

Also, You need to tick on the cashback amount during first transaction, otherwise it won’t come. If u don’t see cashback amount while doing first transaction then also u won’t get it.

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Knight11 wrote:

It comes instantly in PWR wallet. Try another transaction of amount equal to cashback. You will see that option on top to apply. This transaction will be free.

Also, You need to tick on the cashback amount during first transaction, otherwise it won’t come. If u don’t see cashback amount while doing first transaction then also u won’t get it.

Got the option. So on first txn, it lets us earn cb and on subsequent txn, it lets us utilize cb. So effectively every second txn would be without cb earnings. Right?

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deep_ wrote:

Got the option. So on first txn, it lets us earn cb and on subsequent txn, it lets us utilize cb. So effectively every second txn would be without cb earnings. Right?

Yes, so do first transaction of at least 5k (100cb minimum) and second transaction of amount equal to cashback so that you don’t lose anything in second transaction.

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Knight11 wrote:

Yes, so do first transaction of at least 5k (100cb minimum) and second transaction of amount equal to cashback so that you don’t lose anything in second transaction.

so, first transaction i lose 2% na ? i mean first transaction to pay 2% transaction fees right ?

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abhishek012 wrote:

so, first transaction i lose 2% na ? i mean first transaction to pay 2% transaction fees right ?

Yes, if u do only one transaction u will lose. If u do multiple transactions then only there is profit.

In first transaction, u lose 3.5%.

In second transaction, u get back approx 2% CB 

In 3rd transaction after 1 month u get back approx 1% using save with intermiles option.

Depending on card, u get back upto 3.33% cb after 1-2 months.

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Knight11 wrote:

Snapay – Utility payments – Enter credit card as beneficiary – T+1 transaction – PWR – Intermiles – Credit card.

3.5% snapay charges, 2% PWR CB to be used in next transaction, 5% intermiles to be credited after 30 days and redeemed at 0.25 per intermiles on snapay next month, credit card rewards upto 3.33% based on card type.

Even with a card of 0.5% reward rate, this is neutral deal. More reward is profit.

Bro, the 2% PwR CB changed to “Upto Rs. 500 CB”, in the last week or last 10 days of April. They were giving only 1% with that. But the good thing that they did was they reduced the convenience fee to only 1.5% for T+1 Priority (not writing here about Instant and Same day).
Check here, as I posted the deal too.
https://www.desidime.com/deals/snapay-1-off-on-...

Also, what I found after trying with various amounts of transaction, to utilize the wallet CB balance, you don’t need to transact with the same amount next time to use CB. The rule may be like the transaction amount should be atleast 5 times the Wallet CB balance.
Someone, please also try yourself with various amounts, and validate my last statement.

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UniqueDimer wrote:

Bro, the 2% PwR CB changed to “Upto Rs. 500 CB”, in the last week or last 10 days of April. They were giving only 1% with that. But the good thing that they did was they reduced the convenience fee to only 1.5% for T+1 Priority (not writing here about Instant and Same day).
Check here, as I posted the deal too.
https://www.desidime.com/deals/snapay-1-off-on-...

Also, what I found after trying with various amounts of transaction, to utilize the wallet CB balance, you don’t need to transact with the same amount next time to use CB. The rule may be like the transaction amount should be atleast 5 times the Wallet CB balance.
Someone, please also try yourself with various amounts, and validate my last statement.

Yeah, but no point in telling about something which is not valid anymore.

For CB, are you referring about PWR cashback or Intermiles? For intermiles, yes transaction amount should be 5 times. But for PWR CB, u can keep transaction amount same as cashback.

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Knight11 wrote:

Yeah, but no point in telling about something which is not valid anymore.

For CB, are you referring about PWR cashback or Intermiles? For intermiles, yes transaction amount should be 5 times. But for PWR CB, u can keep transaction amount same as cashback.

I said this because you mentioned those things like 2% with PwR and all, that too after 12 am, when it was over.

By saying “utilizing CB wallet balance”, I meant the CB from PWR only, which is given in 1st transaction, and can be utilized in subsequent transaction.

Last month, I got CB of Rs. 133 in my PWR wallet balance. Subsequently, when I wanted to redeem that CB by doing another transaction of 133 and higher, I didn’t see the balance of 133. Rather, it was giving me new Cashback of 1 Rupee. Hence, I again tried with different amount like 150, 200, 300, but still didn’t get the 133 wallet balance to be redeemed. Finally, I tried with same amount on which I got the CC, and the old balance appeared for redemption this time. But, I didn’t go ahead with it. Later in the day, I again experimented with the amount, and found that transaction amount needs to be higher like 5x or more than the CB in PWR CB Wallet balance.

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Knight11 wrote:

Snapay – Utility payments – Enter credit card as beneficiary – T+1 transaction – PWR – Intermiles – Credit card.

3.5% snapay charges, 2% PWR CB to be used in next transaction, 5% intermiles to be credited after 30 days and redeemed at 0.25 per intermiles on snapay next month, credit card rewards upto 3.33% based on card type.

Even with a card of 0.5% reward rate, this is neutral deal. More reward is profit.

What is pwr? Shall i mention cc no in beneficiary account? What to put in ifsc code while adding the account https://cdn0.desidime.com/attachments/photos/763955/medium/Screenshot_20220501-114710_Snapay.jpg?1651385869

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UniqueDimer wrote:

I said this because you mentioned those things like 2% with PwR and all, that too after 12 am, when it was over.

By saying “utilizing CB wallet balance”, I meant the CB from PWR only, which is given in 1st transaction, and can be utilized in subsequent transaction.

Last month, I got CB of Rs. 133 in my PWR wallet balance. Subsequently, when I wanted to redeem that CB by doing another transaction of 133 and higher, I didn’t see the balance of 133. Rather, it was giving me new Cashback of 1 Rupee. Hence, I again tried with different amount like 150, 200, 300, but still didn’t get the 133 wallet balance to be redeemed. Finally, I tried with same amount on which I got the CC, and the old balance appeared for redemption this time. But, I didn’t go ahead with it. Later in the day, I again experimented with the amount, and found that transaction amount needs to be higher like 5x or more than the CB in PWR CB Wallet balance.

Yeah, after 12 am the offer changed. So, I posted 2% cb and 3.5% as per latest offer only. You can check in ur app.

For PWR CB, it always works for me for any amount. Less, More or Equal to. No idea why it didn’t work for u. But most value is when it is equal to cb.


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shriAyodhya wrote:

What is pwr? Shall i mention cc no in beneficiary account? What to put in ifsc code while adding the account https://cdn0.desidime.com/attachments/photos/763955/medium/Screenshot_20220501-114710_Snapay.jpg?1651385869

PWR is pay with rewards, u will see it in next page.

Account number is Credit card number. IFSC code depends on bank. Search on google for ur bank credit card IFSC code. 

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https://cdn0.desidime.com/attachments/photos/770186/original/snapay.jpeg?1653467685

I am getting this option while making the first payment on Snapay.. please help, should I take this or not. Also please guide me if Axis FK cc is giving 1.5% on Snapay or not? 

@Knight11

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SuperKnight wrote:

https://cdn0.desidime.com/attachments/photos/770186/original/snapay.jpeg?1653467685

I am getting this option while making the first payment on Snapay.. please help, should I take this or not. Also please guide me if Axis FK cc is giving 1.5% on Snapay or not? 

@Knight11

+1

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SuperKnight wrote:

https://cdn0.desidime.com/attachments/photos/770186/original/snapay.jpeg?1653467685

I am getting this option while making the first payment on Snapay.. please help, should I take this or not. Also please guide me if Axis FK cc is giving 1.5% on Snapay or not? 

@Knight11

This will not work with PWR.

Axis Flipkart gives 1.5% cb.

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I cannot see any option to see the intermiles eligible or like. is there a detailed post on this?

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SuperKnight wrote:

I cannot see any option to see the intermiles eligible or like. is there a detailed post on this?

Install intermiles app and signup, if u have never used it before. Then it will come in PWR option.

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Knight11 wrote:

Install intermiles app and signup, if u have never used it before. Then it will come in PWR option.

I have been using intermiles for long and registered with the same no. I will try again in the next payment to see if I get that option.

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SuperKnight wrote:

I have been using intermiles for long and registered with the same no. I will try again in the next payment to see if I get that option.

Maybe technical issue. Sometimes it disappears. Try tomorrow.

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Any idea if we get rewards using HDFC cc on Snapay.

Hotshot Hotshot
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SuperKnight wrote:

Any idea if we get rewards using HDFC cc on Snapay.

you get rewards for every cc.

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