Need to pay Credit Card bill to get maximum benefit

For 1% hdfc bill pay if you have, waiting for others to reply, i need to know too.

If you have HDFC mill.DC, pay 16k directly through MobyDick (400CB) and 75k through platinum.DC (750CB) if you have. (yes, just open another HDFC account under same custid and you can have 2 debit cards)

For rest 9k, use cred spins and MobyDick pakkaCB 50CB on 7500, amazon offers etc.

decideaim wrote:
For 1% hdfc bill pay if you have, waiting for others to reply, i need to know too.

Can't pay more than 75k in a month for benefit not to mention the card need to be supported on hdfc billpay(hdfc own cards are obviously not supported).

Agnivo007 wrote:

If you have HDFC mill.DC, pay 16k directly through MobyDick (400CB) and rest through platinum.DC (840CB) if you have. (yes, just open another HDFC account under same custid and you can have 2 debit cards)

Does 16k payment give 400 CB, have you checked bro? Is yours master or Visa millenia DC

guest_999 wrote:

Can't pay more than 75k in a month for benefit not to mention the card need to be supported on hdfc billpay(hdfc own cards are obviously not supported).

I totally forgot that premise, thanks for pointing out

Revised earlier post, forgot about 750 cap per month. I have started this month, yet to see. Have mill.VISA. @decideaim

OP has not mentioned CC and DC he has...

Agnivo007 wrote:

If you have HDFC mill.DC, pay 16k directly through MobyDick (400CB) and 75k through platinum.DC (750CB) if you have. (yes, just open another HDFC account under same custid and you can have 2 debit cards)

For rest 9k, use cred spins and MobyDick pakkaCB 50CB on 7500, amazon offers etc.

You can't open same type acc(single operated, joint with same structure, current) under same customer id in any bank(if a bank is allowing it then they will be looking at rbi penalty in future when audit is done).

I have opened recently, you can have multiple single holder savings accounts in a particular bank for personal/accounting etc purposes. It's the job of HDFC to comply, not my business if what you say is true, I should get a notice too.

Tip: RBI recently issued directive to link all bank accounts of a particular bank which belongs to a unique person (consolidation) under single custid. So that implies it is allowed. Also one may have bank accounts at various branches, isn't it? @guest_999

This is being done to simplify total consolidated relationship view under 5L insurance.

guest_999 wrote:
You can't open same type acc(single operated, joint with same structure, current) under same customer id in any bank(if a bank is allowing it then they will be looking at rbi penalty in future when audit is done).

I have two accounts in sbi(the first one is joint ac which was opened with my mom & the 2nd one is a single ac holder which was opened in 2018) both are connected to the same customer i.d, and both are working smoothly...

Agnivo007 wrote:

I have opened recently, you can have multiple single holder savings accounts in a particular bank for personal/accounting etc purposes. It's the job of HDFC to comply, not my business if what you say is true, I should get a notice too.

Tip: RBI recently issued directive to link all bank accounts of a particular bank which belongs to a unique person (consolidation) under single custid. So that implies it is allowed. Also one may have bank accounts at various branches, isn't it? @guest_999

This is being done to simplify total consolidated relationship view under 5L insurance.

Do I need to go to branch for second account?

I have 2 jupiter accounts in my family and pay 25k from each account to get 250 cashback

saitama wrote:

Do I need to go to branch for second account?

I went to branch, specifically mentioned open under same customer ID. One is savings account that i already had, another is savings max. But it doesn't matter as both come under privilege banking, hence no additional charges

rahulsoni0706846 wrote:
I have 2 jupiter accounts in my family and pay 25k from each account to get 250 cashback

250 on 50k is 5%, nice, where do you pay?

@saitama Called RM, he sent agent, signed forms and it was showing under netbanking in 7days. Under classic, so DC are free.

@bankipad I think he meant not more than one account of same type (single/current/joint). eg. account1 & account2 both are single holder.

decideaim wrote:
250 on 50k is 5%, nice, where do you pay?

Brother 250 on 50k is 0.5% not 5% and on 250 is from one account so from both accounts total 500 cashback on 50k which is 1%

Agnivo007 wrote:

@saitama Called RM, he sent agent, signed forms and it was showing under netbanking in 7days. Under classic, so DC are free.

@bankipad I think he meant not more than one account of same type (single/current/joint). eg. account1 & account2 both are single holder.

Need to add some balance to new a/c ? Like 1lakh for classic

rahulsoni0706846 wrote:
Brother 250 on 50k is 0.5% not 5% and on 250 is from one account so from both accounts total 500 cashback on 50k which is 1%

My math is too bad

Agnivo007 wrote:

I have opened recently, you can have multiple single holder savings accounts in a particular bank for personal/accounting etc purposes. It's the job of HDFC to comply, not my business if what you say is true, I should get a notice too.

Tip: RBI recently issued directive to link all bank accounts of a particular bank which belongs to a unique person (consolidation) under single custid. So that implies it is allowed. Also one may have bank accounts at various branches, isn't it? @guest_999

This is being done to simplify total consolidated relationship view under 5L insurance.

Then your hdfc branch BM will get into trouble later whenever it is found out. RBI direction to banks is to not let same person operate multiple exactly same acc type to evade tax/do money laundering. Earlier when all bank branches were not centrally connected there used to be cases where a person opened acc in one branch in one state then moved to another city in another state & there opened acc too in same branch resulting in multiple exact same type acc under same person name. That is why to eliminate this RBI issued directions to banks to merge all such accs under one customer ID so it can be easily tracked how the person is using their multiple accounts. It also means any limit, say max no. of txns in a month/max amt of funds transfer in a month etc apply to all accs under same customer id combined so you can't use 2 accs under same customer ID to do 2 times of txn limits applicable to a single acc.

bankipad wrote:
I have two accounts in sbi(the first one is joint ac which was opened with my mom & the 2nd one is a single ac holder which was opened in 2018) both are connected to the same customer i.d, and both are working smoothly...

That is allowed because in acc 1 you are joint acc holder with your mother while in acc 2 you are single acc holder so these two accs don't have exact same type. You can open another joint acc(acc 3) with your mother & father which will be allowed as it will not be similar to your acc 1(now father also there along with mother in acc 3) & 2. All these acc will be mapped to your customer id if you are the primary acc holder in case of joint acc 1 & 3.

@agnivo007 The above is the right way to open multiple accs in same bank, if any bank does otherwise then either it is by mistake or it is violation of rules by BM of the local branch(his responsibility to check with central database of bank to confirm person not holding exact same acc type in any other branch of the bank).

@saitama @decideaim

@guest_999 What you said is already done. I got even saving account interest from 2nd account reflecting in AIS statement, so it is already implemented and completely legal, nothing to hide... Regarding lots of transactions etc, normal people have nothing to think of unless one is doing lots of "commercial" stuff, money rotation etc.

Also I'm not sure which Account type code he put in 2nd account... it can be different.

@saitama It is effectively 0 balance for me due to classic linkage.

guest_999 wrote:
Then your hdfc branch BM will get into trouble later whenever it is found out. RBI direction to banks is to not let same person operate multiple exactly same acc type to evade tax/do money laundering. Earlier when all bank branches were not centrally connected there used to be cases where a person opened acc in one branch in one state then moved to another city in another state & there opened acc too in same branch resulting in multiple exact same type acc under same person name. That is why to eliminate this RBI issued directions to banks to merge all such accs under one customer ID so it can be easily tracked how the person is using their multiple accounts. It also means any limit, say max no. of txns in a month/max amt of funds transfer in a month etc apply to all accs under same customer id combined so you can't use 2 accs under same customer ID to do 2 times of txn limits applicable to a single acc.

Kuch bhi? Multiple accounts can be opened under same customer id. I've 2 normal saving account in one customer id in SBI. Even SBM has 4 bank accounts opened under one customer id.

deep_ wrote:
Kuch bhi? Multiple accounts can be opened under same customer id. I've 2 normal saving account in one customer id in SBI. Even SBM has 4 bank accounts opened under one customer id.

And when did you open those 2 accs in sbi. As for SBM, did you mean normal savings acc opened via visiting one of their very few branches or you are incl all those "co-branded" SBM bank accs opened via 3rd party apps under some offer.

Agnivo007 wrote:

@guest_999 What you said is already done. I got even saving account interest from 2nd account reflecting in AIS statement, so it is already implemented and completely legal, nothing to hide... Regarding lots of transactions etc, normal people have nothing to think of unless one is doing lots of "commercial" stuff, money rotation etc.

Also I'm not sure which Account type code he put in 2nd account... it can be different.

@saitama It is effectively 0 balance for me due to classic linkage.

It is very likely your 2nd acc has a different "type code". Many bank's system don't even allow processing of a 2nd acc with same type code under same customer ID.

guest_999 wrote:

That is allowed because in acc 1 you are joint acc holder with your mother while in acc 2 you are single acc holder so these two accs don't have exact same type. You can open another joint acc(acc 3) with your mother & father which will be allowed as it will not be similar to your acc 1(now father also there along with mother in acc 3) & 2. All these acc will be mapped to your customer id if you are the primary acc holder in case of joint acc 1 & 3.

@agnivo007 The above is the right way to open multiple accs in same bank, if any bank does otherwise then either it is by mistake or it is violation of rules by BM of the local branch(his responsibility to check with central database of bank to confirm person not holding exact same acc type in any other branch of the bank).

@saitama @decideaim

both acs were single holder when it were opened, it was later i got my mom name added to my ac to make it joint holder as it required for me some work... 

How 400 benifit from mobidik

Skyislimit wrote:
How 400 benifit from mobidik

https://www.desidime.com/discussions/the-mobikw...

guest_999 wrote:

Can't pay more than 75k in a month for benefit not to mention the card need to be supported on hdfc billpay(hdfc own cards are obviously not supported).

Bro how much reward will I get for using this card on Amazon shopping? Will they give 1% on everything or just billpay?

Thanks for all your inputs but I've stopped using Mobidick after a year of using it due to privacy concerns. Any other offers for bill payment? how about the CC bill payment from Airtel wallet by other credit cards, is this still working?

MSDfan wrote:
Bro how much reward will I get for using this card on Amazon shopping? Will they give 1% on everything or just billpay?

Only billpay for supported cards on hdfc billpay platform.