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Instant Credit card payment methods without 3rd party apps.

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vkrmjeet

Making this post for people who want to make Instant credit card payments in emergency and don’t use 3rd party apps.
These methods are instant in 99.9% of the cases. These methods can be used without having bank account with respective bank.
There is no mediator involved so payment will be processed much faster.

Axis  : send payment to UPI id
cc.91xxxxxxxxxxyyyy@axisbank
where x is registered mobile number and y is last 4 digits of cc.

Icici  : send payment to UPI id
ccpay.xxxxxxxxxxxxxxxx@icici
where x is your 16 digit cc number.

SBI : send payment to UPI id
sbicard.xxxxxxxxxxxxxxxx@sbi
where x is your 16 digit card number
credit : "@abhishek012":https://www.desidime.com/users/676025

AMEX : send payment to UPI id
AEBCxxxxxxxxxxxxxxx@sc
where x is your 15 digit card number.
credit : "@abhishek012":https://www.desidime.com/users/676025

IDFC : send payment to UPI id
xxxxxxxxxxxxxxxx.cc@idfcbank
where x is your 16 digit card number.

HDFC : https://www.billdesk.com/pgidsk/pgmerc/hdfccard...
this is billdesk portal where you can pay via UPI/net banking Instantly.

Indusind : https://www.billdesk.com/pgmerc/induscard/inde....
you can pay via netbanking/UPI Instantly.

BOB : https://www.bobcards.in/online-payme...tm
It is instant you can by UPI / netbanking / debit cards


Please give input for Other banks also which have similar instant pay methods.  

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Top Comments
Comrade Comrade
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If one number or digit is misplaced…. Hell will break loose… 

Hotshot Hotshot
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transact 1 rs first , then check statement . These are instant methods.
You can also save UPI id in phonepe etc and after 1 successfull payment can transact again on that UPI id.
These methods are faster than CRED.

Comrade Comrade
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@vkrmjeet Yes but cred gives atleast... Some coins..in upi nothing we will get... And cred is also instant... Atleast for my cards.... . I use them for offers like zepto, instamart, eatclub.... Vi, my coins are used in that....
Hotshot Hotshot
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@batmanBABA

i haven’t disagreed with you anywhere but this post is made for people trying to pay in case of emergency when they can’t afford any point of failure in between.
People who don't use 3rd party apps.
People who put privacy before some cashback.

These are all direct methods which don’t steal your data and are more trustworthy then CRED.

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Finance Ninja Finance Ninja
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AMEX - 

  1. Add VPA (Virtual Payment Address) of American Express Card UPI as AEBC37XXXXXXXXXXXXX@SC
  2. Please ensure that you put your complete 15 digit Card Number. Amex card number starts with 37
  3. Initiate your funds transfer before 5 pm for next day credit to your American Express Card excluding Sunday and banking holidays.

SBI -

Click on Pay by VPA (Virtual Payment Address). It should be Sbicard.16 digits of your credit card no@SBI e.g. Sbicard.4726420123456789@SBI

Axis -

Your Axis Bank Credit Card BIll Payment UPI ID is: CC.91<Your 10 digit registered mobile number><last 4 digits of your Credit Card>@axisbank

Example: CC.9199875042247269@axisbank

Deal Subedar Deal Subedar
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Any another option for axis cc instant payment. Upi id noy getting verified. Paid with gpay phonepay cred and paytm 7 hrs ago. Nothing credited yet. 

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Deal Cadet Deal Cadet
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Thanks for the info bro…

Deal Subedar Deal Subedar
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Informative thread plus1 plus1 VU+++

Comrade Comrade
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If one number or digit is misplaced…. Hell will break loose… 

Hotshot Hotshot
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transact 1 rs first , then check statement . These are instant methods.
You can also save UPI id in phonepe etc and after 1 successfull payment can transact again on that UPI id.
These methods are faster than CRED.

View 5 more replies
Crusader Crusader
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Informative thread..Vu. .
Anything for HDFC cc?

Hotshot Hotshot
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hdfc has a billdesk portal , i am not sure it is instant or not.
will update in description.

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Benevolent Benevolent
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Those who want to pay via VPA. try paying 1 rs for the first time. and also consider scenarios like mob number change or card number getting replaced.
Helpful Helpful
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Thanks for sharing this information. Not sure if they are instant but mentioning some billdesk links I have used before

Amex : https://www.billdesk.com/pgidsk/pgmerc/amexcard...

Ref : https://www.americanexpress.com/in/customer-ser...


Axis : https://pgi.billdesk.com/pgidsk/pgmerc/axiscard...

via web https://application.axisbank.co.in/WebForms/axi...

Ref : https://www.axisbank.com/make-payments/credit-c...


IDFC : https://pgi.billdesk.com/pgidsk/pgmerc/idfccard...

Ref : https://www.idfcfirstbank.com/personal-banking/...


Found these too but haven't used before

SBI : https://www.billdesk.com/pgidsk/pgijsp/sbicard/...

Citi : https://pgi.billdesk.com/pgidsk/pgijsp/citicard...

ICICI : https://www.icicibank.com/online-services/click...

Hope it helps

Hotshot Hotshot
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i am not able to edit my post bro , thank you for contributing will add as soon as option become active.

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Deal Cadet Deal Cadet
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Just IMPS it to your card number.

Hotshot Hotshot
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IFSC?

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Deal Subedar Deal Subedar
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paid bob bill via cred, its been 24 hours, still not reflecting…..

First time cred payment is delayed this much

Hotshot Hotshot
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Paid bill on 1 April transaction failed on 5 April. i wouldn’t suggest CRED for BOB.
Even mobikwik & paytm are working fine.

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Crowdpuller Crowdpuller
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axis credit card upi id is not getting verified

Hotshot Hotshot
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maybe contact number problem , if multiple customer id are linked to the same mobile number it happens

Hunk Hunk
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Is there any way to pay Freecharge Pay Later Bill directly without waiting for 5th of every month?

Deal Cadet Deal Cadet
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Does anyone know what is the UPI id for RBL credit card?

Helpful Helpful
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pay through mobikwik for instant settlement to kotak cards

Deal Cadet Deal Cadet
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Very informative. Hdfc took 1 day to credit payments via bill desk
Deal Cadet Deal Cadet
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Sbicard.xxx@sbi is not working

Helpful Helpful
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If it is due date of payment . Then is this method reliable,? Will the bill be settled instantly? Because other method take 2 days to reflect

Deal Newbie Deal Newbie
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Any upi for citibank cc?

Deal Cadet Deal Cadet
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Any updated address for SBI cards upi ?

Finance Mentor Finance Mentor
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Yes, tried today, unknown VPA error... any update? @abhishek012
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