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Master Link for all CC to bank tricks

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Deal Cadet
alexhunter789
  1. Mobikwik - 1000 every month without any fees. - tried and tested. works just fine limit is 1k every month. plus can be sent to bank without fees. been doing it since jan. 
  2. Payzapp wallet loading - haven't tested but I tried to add 5000 , didn't show any convenience fees on total transaction during OPT. not sure how wallet to bank works coz I don't have HDFC account. but 2.5% to bank it seems so I think it's good if you use payzapp wallet only. 
  3. BharatNXT - 1000 + 22 fees. works fine. you might get scratch card after transaction to get NXT cash which can be used to cancel out the fees. I have 100 NXT points. tried to transfer 10K , charges 223 but I was able to utilize the 100 points at 100% which only made 123rs fees for 10K , seems decent for the amount coz you get scratch card as well. 1.89% Charges
  4. Ease My Deal - charges 1% fees (changes with service type). haven't tried yet, will update the thread as I try couple of options with small amounts to safety. 
  5. Bajaj Wallet Loading - shows 25rs fees for 1k and 125rs for 5K , not sure how they measure it. can be transferred to bank for free with wallet UPI.


* Update : loading digital rupee using rupay CC is patched by RBI new guidelines , so won't work.

* Update - you can pay the CC bill with HDFC card to get 1% cashback which further reduces the charges/fees. 

These are the current one I know. will update as soon as I find out more tricks. also I am not aware if you will get reward points. 
also there is another trick I came across is wallet loading the digital rupee using rupay CC upi. I failed to do it coz that may vary bank to bank app. if anyone succeeds pls let me know as well. if anyone knows anything more than this , pls comment , I will add up in list. 

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Top Comments
Hunk Hunk
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Keep updating new ways , vu

Finance Ninja Finance Ninja
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RBI ne kab ban kiya ? NPCI ne CBDC pe kiya hai ban.

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Deal Cadet Deal Cadet
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We have snapay also. Charges may vary based on priority.

For low priority it is 1% + GST I guess.

Deal Cadet Deal Cadet
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oh yes, I forgot to add it coz I am yet to try it , I am having some issues with it. will update soon.
Hunk Hunk
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Keep updating new ways , vu

Beacon Beacon
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Here sbi on forefront. Read below sbi logo.Screenshot2024-03-23-21-17-27-894-editorg.npci.erupeeSBI
Deal Cadet Deal Cadet
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yeah, the recent RBI regulation patched that up with all banks. 
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Deal Cadet Deal Cadet
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What is ease my deal does it work with ace after devaluation?

Deal Cadet Deal Cadet
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ideally it should work but I am not sure about CB or reward points. 
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Community Angel Community Angel
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How to extract payzapp wallet loaded money

Deal Cadet Deal Cadet
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I am not aware of that coz I don't have HDFC account but it charges 2.5% to transfer from wallet to bank. so it's better to use it to pay for stuff with QR and so on. if there is any trick to wallet to bank for free, I am not sure there will be any coz they charge 0 from card to wallet so defi they will charge for wallet to bank. 
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Deal Newbie Deal Newbie
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Mobikwik ka kaise kahan par?

Deal Cadet Deal Cadet
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add money to wallet using any CC , transfer from wallet to bank. 
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Deal Cadet Deal Cadet
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Bajaj wallet loading thru credit card 2.2%

Wallet transfer charges 1%

Total 3.2%

Transfer charges was not earlier

Deal Cadet Deal Cadet
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oh , I didn't know, thanks for the update. last time I did. it was free using wallet upi. 
Benevolent Benevolent
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aise chizo se hi genuine customer suffer krte hai.
Deal Cadet Deal Cadet
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yo chill down , I am not tryna make scam here. these are the things I have tried and they work for me and other people have tried it as well. I got no idea how you suffered. I am sorry for your loss and suffering. also what are you trying to portray here by your statement? 

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Finance Ninja Finance Ninja
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RBI ne kab ban kiya ? NPCI ne CBDC pe kiya hai ban.

Deal Cadet Deal Cadet
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oh I read RBI in some forum. no aware of the terms on who handles what. it's banned that I know. 
Deal Cadet Deal Cadet
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Mobikwik - 1000 every month without any fees is the only thing that is universally valid

not sure about the rest

Deal Cadet Deal Cadet
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Bharat NXT , bajaj , payzapp , mobikwik work. I have tested. surely some options do add fees but they do work. I have tried.
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