Is it possible to pay HDFC credit card bill using SBI debit card?

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Budhe-Baba

If yes, are there any extra charges to be paid? And how do I pay HDFC CC bill using SBI debit card?

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Yes. Add money into your Paytm wallet. Then select credit card payment and choose wallet as payment method. No extra charges.

  • SBI only gives a maximum of 100 points per transaction. So for example, you have to pay a bill of 25k then add 10k then 10k then 5k to your Paytm wallet to earn maximum points.
Deal Captain Deal Captain
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Use Paytm

Entertainer Entertainer
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saxena_ wrote:

Yes. Add money into your Paytm wallet. Then select credit card payment and choose wallet as payment method. No extra charges.

  • SBI only gives a maximum of 100 points per transaction. So for example, you have to pay a bill of 25k then add 10k then 10k then 5k to your Paytm wallet to earn maximum points.

SBI is blocking my 10K add money to Paytm wallet. All card channels are enabled still this is happening.

Error1: Sorry, this transaction is declined as the system surveillance bot has detected some suspicious activity.
So if anyone tries to add 10k multiple times, bot will flag it suspicious.

Error2: Please try with lower amount or different payment modes like UPI or netbanking. Transaction limits will revise as you continue using Paytm.
So looks like they have enabled some method where if you have used Paytm only for 10K in last month, you cannot add more than 20K using DC even if total limit is 1L & you are full KYC user.

Deal Cadet Deal Cadet
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u can pay cc bill directly using debit card(Rupay at least i had tried) on Paytm

Analyst Analyst
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Isn’t mobikwik an option?

Entertainer Entertainer
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binod_babu wrote:

u can pay cc bill directly using debit card(Rupay at least i had tried) on Paytm

That will not give any mastercard points or any other points.

Entertainer Entertainer
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andromeda wrote:

Isn’t mobikwik an option?

Stopped using Mobishit after they caused India’s or maybe World’s largest personal data leak.

Analyst Analyst
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Budhe-Baba wrote:

Stopped using Mobishit after they caused India’s or maybe World’s largest personal data leak.

Just curious, but once leaked what else is there to leak? And what’s the guarantee that other platforms are leak proof.

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andromeda wrote:

Just curious, but once leaked what else is there to leak? And what’s the guarantee that other platforms are leak proof.

You are right but from the last 2-3 years, they have been doing many non customer centric activities. Like not giving proper cashback, expiring points before expiry dates, not properly answering customer queries and other malpractices. After all this how can anyone trust them? So stopped using totally now.

Deal Cadet Deal Cadet
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Budhe-Baba wrote:

SBI is blocking my 10K add money to Paytm wallet. All card channels are enabled still this is happening.

Add 1000 then add bigger

Analyst Analyst
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Budhe-Baba wrote:

You are right but from the last 2-3 years, they have been doing many non customer centric activities. Like not giving proper cashback, expiring points before expiry dates and other malpractices. After all this how can anyone trust them? So stopped using totally now.

I understand the views. Like others mentioned paytm is also an option. But those customer centric activities aside, if needed use mobikwik as an option.

Look at this way, say they don’t give you any additional offer for card payment except facilitating the service, it would still cause a loss to them if you just merely use their services.

When you pay for your card via debit card, they will end up paying certain commission to payment gateway and other involved parties in between, but you get the full value credited to your card. The rest is upto you.

Deal Cadet Deal Cadet
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Budhe-Baba wrote:

That will not give any mastercard points or any other points.

payment done via rupay debit cards to paytm will fetch 0.25% sbi rewards effectively, which can be redeemed for amazon gv.

Entertainer Entertainer
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binod_babu wrote:

payment done via rupay debit cards to paytm will fetch 0.25% sbi rewards effectively, which can be redeemed for amazon gv.

Now what is RuPay card? I only have SBI MasterCard DC. And the guy above said that SBI DC will give 100 points on adding 10K to paytm wallet.

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Budhe-Baba wrote:

Now what is RuPay card? I only have SBI MasterCard DC. And they guy above said that SBI DC will give 100 points on adding 10K to paytm wallet.

tagging rupay expert @abhishek012 . btw IMO only hdfc visa/platinum DC is worth,else rupay is better in all aspect(at least in ur case)

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Budhe-Baba wrote:

Now what is RuPay card? I only have SBI MasterCard DC. And the guy above said that SBI DC will give 100 points on adding 10K to paytm wallet.

What is RuPay card ? 😳

You dnt know what is RuPay card ? 😳

RuPay card is Indian credit/debit card company like US based Visa/mastercard/Amex/Diners club.

Whenever you use RuPay card, we also save our India’s foreign reserve and India’s small merchants also save transaction MDR fees.

Paytm allowed RuPay debit card to pay credit card bill using RuPay debit cards and you will also get same SBI debit card rewards points.

Deal Lieutenant Deal Lieutenant
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abhishek012 wrote:

What is RuPay card ? 😳

You dnt know what is RuPay card ? 😳

RuPay card is Indian credit/debit card company like US based Visa/mastercard/Amex/Diners club.

Whenever you use RuPay card, we also save our India’s foreign reserve and India’s small merchants also save transaction MDR fees.

Paytm allowed RuPay debit card to pay credit card bill using RuPay debit cards and you will also get same SBI debit card rewards points.

Tell him that it is local rowdy, dhandha  chalthe hai tho sirf unke

Entertainer Entertainer
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abhishek012 wrote:

What is RuPay card ? 😳

You dnt know what is RuPay card ? 😳

RuPay card is Indian credit/debit card company like US based Visa/mastercard/Amex/Diners club.

Whenever you use RuPay card, we also save our India’s foreign reserve and India’s small merchants also save transaction MDR fees.

Paytm allowed RuPay debit card to pay credit card bill using RuPay debit cards and you will also get same SBI debit card rewards points.

OK but i dont have RuPay card. I only have 2 Debit Cards:

HDFC Visa Platinum

SBI Mastercard.


I want to pay 40k HDFC credit card bill using any of the above which gives max points. I heard that SBI gives 100 points of 10K paytm wallet add. But Paytm is not allowing me to use DC to add more than 20K to wallet. So I am stuck. Any workaround you have brother?


Dont want to use Mobiqwik / Cred. 

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Budhe-Baba wrote:

OK but i dont have RuPay card. I only have 2 Debit Cards:
HDFC Visa Platinum
SBI Mastercard.

I want to pay 40k credit card bills using any of the above which gives max points. I heard that SBI gives 100 points of 10K paytm wallet add. But Paytm is not allowing me to use DC to add more than 20K to wallet. So I am stuck. Any workaround you have brother?

Dont want to use Mobiqwik / Cred. 

Which credit card do you want to pay baba, is it non HDFC card? Then you can use HDFC bill pay portal. 1% cashback.

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decideaim wrote:

Which credit card do you want to pay baba, is it non HDFC card? Then you can use HDFC bill pay portal. 1% cashback.

HDFC credit card bill only.

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Budhe-Baba wrote:

HDFC credit card bill only.

Change your SBI mastercard to, SBI rupay platinum. You will get 0.25% cash back on credit card bill payment through Paytm/Paytm wallet, also you can use it for Amazon Friday 500 balance load paying 400. Run to the bank.

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decideaim wrote:

Change your SBI mastercard to, SBI rupay platinum. You will get 0.25% cash back on credit card bill payment through Paytm/Paytm wallet, also you can use it for Amazon Friday 500 balance load paying 400. Run to the bank.

Yes, also apply SBI RuPay Platinum domestic card or RuPay Indianoil Platinum debit card.

both card only apply through SBI branch and card code is “REP” for RuPay Platinum domestic and “IRP” for RuPay Indianoil Platinum.

SBI RuPay-Domestic Platinum full details visit here – https://www.desidime.com/discussions/how-to-app...

SBI (Indian Oil) RuPay-DFS Platinum INTL debit card - https://www.desidime.com/discussions/how-to-app...

Budhe-Baba

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abhishek012 wrote:

Yes, also apply SBI RuPay Platinum domestic card or RuPay Indianoil Platinum debit card.

both card only apply through SBI branch and card code is “REP” for RuPay Platinum domestic and “IRP” for RuPay Indianoil Platinum.

SBI RuPay-Domestic Platinum full details visit here – https://www.desidime.com/discussions/how-to-app...

SBI (Indian Oil) RuPay-DFS Platinum INTL debit card - https://www.desidime.com/discussions/how-to-app...

Budhe-Baba

So now I need 3 SBI cards instead of 1 !! I will also need to pay 3X AMC charges right?
Or should I close 1 debit card?

Deal Cadet Deal Cadet
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Budhe-Baba wrote:

So now I need 3 SBI cards instead of 1 !! I will also need to pay 3X AMC charges right?
Or should I close 1 debit card?

LOL. No, these are the three options that are available to you.

Deal Cadet Deal Cadet
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Babaji, select the one with 175+GST charge, if possible, as SBI is tightening screws on everything. So sooner or later that wallet load option that is working unofficially will be removed, too.

You still have three more months to recover this cost.

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Budhe-Baba wrote:

So now I need 3 SBI cards instead of 1 !! I will also need to pay 3X AMC charges right?
Or should I close 1 debit card?

No, Apply SBI RuPay Platinum domestic card or RuPay Indianoil Platinum debit card. 

“OR” means choose any one. 😀

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abhishek012 wrote:

No, Apply SBI RuPay Platinum domestic card or RuPay Indianoil Platinum debit card. 

“OR” means choose any one. 😀

by the way you will also save Rs100 on 500 load money on Amazon wallet load.

so, every month you will also save Rs100 on RuPay Platinum debit card.

Deal Newbie Deal Newbie
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abhishek012 wrote:

by the way you will also save Rs100 on 500 load money on Amazon wallet load.

so, every month you will also save Rs100 on RuPay Platinum debit card.

This offer is going to expire in March 22 right. Any news if it’ll be renewed?

Deal Lieutenant Deal Lieutenant
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saxena_ wrote:

This offer is going to expire in March 22 right. Any news if it’ll be renewed?

If it expires, my BOB account will be closed. I’m putting up with them just because of the two rupay platinum debit cards.

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saxena_ wrote:

This offer is going to expire in March 22 right. Any news if it’ll be renewed?

No idea. Wait and watch

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