Hot Deal

Pay Credit Card bill via Wallet trick (try at your own risk)

7550°
Finance Ninja
abhishek012
Pay Credit Card bill via Wallet trick (try at your own risk):

Yesterday, someone posted this trick (first read here) - https://www.desidime.com/discussions/help-idf...ps

I tried this website - https://bbps.idfcban...t/

but i use "other bank net banking & debit cards" option and paid through my phonepe cashback/gift card and successfully credited in my kotak bank credit cards.

However, i tried "Credit Card" option but same like him, my bill payment failed and money stuck.

Here is the step -

enter customer details and bill details -

CC biller name type first 3 digit like "SBI", "FEDERAL", "KOTAK" and "BOB"

ccbill

After bill fetch, "Tick mark" base bill amount option

Now edit total amount and type "Rs1" for first time.

Now Most important - Payment mode choose "other bank net banking & debit cards" option

Dnt choose "Credit Card" option, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.

ccbill1

Next payu gateway page open and here UPI, Bharat QR, debit card and Wallet option available on payu page

ccwallet

Personally i paid Rs1 and Rs74 through by Phonepe cashback/gift card balance and successfully paid.

However, my Kotak credit card bill payment amount showing in kotak app after 6-8hrs (maybe because i use night time).

Updated - Just now I paid through Pineperks RuPay Prepaid gift card via phonepe wallet gateway and working perfectly.

I recommended try Rs1 credit card bill payment and dnt use higher amount.

--------------------------------------------------------------------------------------------------------------------------------

Updated - Many people also tried Freecharge wallet balance and Ola Wallet balance and successfully paid to Kotak CC bill and SBI Card bill.

But First time try with Rs1, if everything working perfectly then 2nd time try Rs100 and then try higher amount but try at your own risk.

I remind you again, Dnt choose "Credit Card" option on IDFC BBPS page payment mode, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.

Updated - Dnt pay more than 10k on Ola gateway, use multiples of 10k on ola gateway.

Hasta la vista.

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

Deal Wiki

Top Comments
Deal Subedar Deal Subedar
Link Copied

Can anyone confirm which cards give rewards/cashback for this trick except sbi cashback cc on ola wallet?

Benevolent Benevolent
Link Copied

Here is the mcc.

Phonepe com - 4814

www OLACABS com - 4121

Ola money zipcash - 4900

Freecharge - 4900 (not sure on this)

Now check ur card terms and decide. Won't comment on individual card.

Deal Subedar Deal Subedar
Link Copied
@Sidhi.Baat.No.Bakwas hmm we did bill payments much more than the actual bill value, they just need to confirm if any fraud money was used for paying bills. This was being done by scammers, so they just need to confirm that.
Further, if they ask us we can say that bill was paid because of the festive season spending. Nothing wrong or suspicious here.
So nothing to worry it should be unblocked , just new security precautions adopted by banks.
Benevolent Benevolent
Link Copied
@Maverick05

Don't say banks😡. It's always SBI. They have blocked my card probably 100+ times in last one year. 

Whoever designed their fraud detection system, must be some guy, who never use any debit/credit card or netbanking and relies on atm cash😅 and thinks online means scam. Such a broken system.

Other banks, first call and ask if u did transaction or not and then block (actually they don't as u already confirmed it). But sbi doesn't care about cardholders. They don't unblock even after telling them that I have done the transaction. 

I just don't understand the logic here. Won't a cardholder be liable to pay, if any fraud transaction happens and he doesn't report it immediately. Why SBI needs to block any transaction or card, when cardholder hasn't complaint?

I raised this even with rbi Ombudsman earlier in February. They gave same stupid reasons and closed complaint. If more people complaint, then something might happen.


Pro Entertainer Pro Entertainer
Link Copied

This thread is taking on a negative tone. Folks, let's refrain from panicking or using terms like "fraudulent." Such words are typically reserved for situations involving stolen cards or illegal activities like hawala payments. Exploring tricks and loopholes to get some cashback on CC payments doesn't constitute fraudulent activity. Let's apply some common sense and avoid over-reading the MITC. Even banks sometimes fail to fully comply with RBI regulations, leading to fines, but that doesn't imply they engage in fraudulent activities.

The primary reason for these issues could be attributed to IDFC. They are a Chindi bank, and they are known for their inability to handle even minor financial losses(even 1 re), If you all remember the frequent changes to their terms and conditions during their DC reward points program. Also, they have the audacity to compare their shitty credit cards with Infinia on their website and engage in trolling other banks on Twitter.

741 Comments  |  
150 Dimers
  • Sort By
Finance Mentor Finance Mentor
Link Copied

What MCC is used? Any idea?

Finance Ninja Finance Ninja
Link Copied
Dnt know yet.

You can use your credit card/prepaid card via Ola, freecharge, phonepe gateway etc.

Note - Dnt choose "Credit Card" option directly on IDFC BBPS page, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.
View 4 more replies
Deal Subedar Deal Subedar
Link Copied

Try at your own risk.

Tried at 10, 100. It went fine. Jumped to higher amount, it failed and money stuck.! Even after selecting other bank netbanking and debit card.

Better to remove the post, if it has this high failure rate. Money will be stuck for various users.

Benevolent Benevolent
Link Copied

Ola or phonepe?

View 2 more replies
Deal's Advocate Deal's Advocate
Link Copied
Comment No Longer Exist
Finance Ninja Finance Ninja
Link Copied

Tumlog jann bujh k kar rahe ho. Koi genuine person ka failed hua toh tumlogo k drame k chalte us bechare pe trust karna muskil ho jayega.

Anyway, personal group sab ab tak toh kisi ka failed na hua. Jisne jisne "other bank net banking & debit cards" option choose kar k pay kiya.

Screenshot20231017-160048

Deal Cadet Deal Cadet
Link Copied

Sadly failed for me..now waiting for refund .

2nd time successful 😃


Finance Ninja Finance Ninja
Link Copied
Updated - 2 person successfully paid via ola wallet gateway, total 10k paid through credit card/Amex card.

I dnt know single transaction or multiple transaction because ola charge conv free for 2k+.

@purval6300
@kshmr
@kushank

Note - Dnt choose "Credit Card" option directly on IDFC BBPS page, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.
View 1 more reply
Pro Mobile Guru Pro Mobile Guru
Link Copied

Made two cc payments of SBI Bill

1st transaction Rs 100

2nd transaction Rs 1374

both instantly credited to CC and received SMS from SBI too for successful bill payment.

Now question is regarding 2k Ola Money wallet load limit without charges. is it cumulative or for individual transaction? 

Finance Ninja Finance Ninja
Link Copied

Do multiples of 2k transaction, no charges.

Another person successfully paid 10k+10k via 2 ola wallet account.

First check with Rs2001 or more, if any conv fee applied then do multiples of 2k transactions.

View 30 more replies
Deal Subedar Deal Subedar
Link Copied

My payment failed for 8k and 24k. No transaction ID generated either. Money debited from cc to freecharge was successful.

Amount was well within permissible limit.

Pro Mobile Guru Pro Mobile Guru
Link Copied
now good luck chasing for refund.

I personally did 4 transaction, diff. denom. cumulative 7k

What worked for me, adding money to Ola money wallet first and then doing cc payment on BBPS.
View 12 more replies
Deal Subedar Deal Subedar
Link Copied

Until 5k worked well using ola money now even after entering the correct otp it gives error wrong otp disappointed

Finance Ninja Finance Ninja
Link Copied
Try Rs4999 or Rs4900 or lower amount.

Check your ola wallet balance, if any balance available then use that balance first.

I think daily 4 or 5 times working and then many people earlier told they got wrong otp error.
View 3 more replies
Deal Subedar Deal Subedar
Link Copied

Phonepe gateway worked fine now. Did 3 transactions 10k each. Don't wanna risk higher amount.

Helpful Helpful
Link Copied
My payment failed on phonepe gateway and they didn't even provide any txn reference Id.
I'm doomed 😱.
Amount is more than 20k.
@abhishek012 kuch suggest karo bhai.. lut gaya main to
View 17 more replies
Deal Subedar Deal Subedar
Link Copied

just paid 26k with phonepe wallet and used cc.

Amount Instantly credited to cc.

Thanks, VU+

Deal Subedar Deal Subedar
Link Copied

Any idea if we can use Amex Cc at phonepe wallet?

@abhishek012

View 9 more replies
Deal Lieutenant Deal Lieutenant
Link Copied

Getting "No bill available" error whenever I try to pay BOB CCs with this method? Tried to pay BOB CC for which bill was generated on October 1,2023 and still getting this error @abhishek012

bobccbillviaidfcbbps.JPG

Finance Ninja Finance Ninja
Link Copied
BOB Bill is fetch on other BBPS website/apps ?
View 2 more replies
Deal Lieutenant Deal Lieutenant
Link Copied

@abhishek012 Any other simple trick to get Freecharge balance to Bank or Credit card at Zero fees?Idiots at Freecharge removed Login option from Freecharge desktop website.

Finance Ninja Finance Ninja
Link Copied

Visit direct electricity or any other biller link of freecharge url and login.

Yeh desidime wale me ajib hai freecharge ka link block rakha hai, post nahi karne de raha direct link.

https://www.free...ge. in/electricity (space ko hata kar browser me open karna)

Benevolent Benevolent
Link Copied

Did 40K on phonepe using Amazon pay icici for kotak bill.

Did 10k+10k on ola (WWW OLACABS COM) using sbi cb for sbi cb bill.

All successful. Now getting only zipcash in OTP page, so not doing it.

Finance Ninja Finance Ninja
Link Copied
If you have Axis Ace Credit Card  then merchant name "Ola Money Zip Cash J" earlier we got 5% cashback. I think now only 4% cashback.

Here details - https://www.desidime.com/discussions/axis-ace-c...

I think HDFC Swiggy Credit Card also give 5% cashback on (WWW OLACABS COM) merchant name (personally not verified).
View 13 more replies
Deal Subedar Deal Subedar
Link Copied

did 30k more with ola as phone pe not allowing more for me(already did 26k) but bill payment failed and money was added in ola wallet. Tried again with 30k amount but wrong OTP error then tried with 10k 3 times and all got succeeded. So use 10k max if you are using ola wallet

Finance Ninja Finance Ninja
Link Copied
Also maximum i guess Ola allow 3 times within 24hrs.

@shubhampakhare told, he used 3 times on Ola wallet. Tried a small amount still the same issue (wrong otp).
View 7 more replies
Deal Cadet Deal Cadet
Link Copied

For sbi, Can I pay Rs.5k instead of whole bill amount. In this case, Error showing - Please Select Valid Amount Combination.

Finance Ninja Finance Ninja
Link Copied
After bill fetch, "Tick mark" base bill amount option

Now edit total amount and type "Rs1" or "Rs5000".

Now Most important - Payment mode choose "other bank net banking & debit cards" option

@longlivesonusood
View 2 more replies
Helpful Helpful
Link Copied
which card gives rewards on wallet loading?? i have apay icici, idfc classic, tata neu plus rupay, bob snapdeal, sbi cashback, ola sbi
Deal Subedar Deal Subedar
Link Copied

tried transactions from various cards on phonepe gateway.

got 2% reward in kiwi thru upi, amex and idfc will get to know once transaction settles, onecard came under bills and utilities, etc

Generous Generous
Link Copied

Do I need to add money in wallet first?

View 2 more replies
Deal Detective Deal Detective
Link Copied

Tried with 1Rs and OLA Payment GATEWAY saying wrong OTP,

Benevolent Benevolent
Link Copied

50K is monthly limit for ola full kyc. I guess u reached that.

View 1 more reply
Deal Cadet Deal Cadet
Link Copied

Phonpe is not allowing me to pay through card

Finance Ninja Finance Ninja
Link Copied
What's the error ? Login any other phonepe account.
View 2 more replies
Deal Cadet Deal Cadet
Link Copied

Is this offer only for paying SBI, kotak or Bob bill,? Can we pay amex card bill?? Through this. Can anyone confirm 

Finance Ninja Finance Ninja
Link Copied
Federal bank also working.

Only bbps biller is allowed, amex is not added yet on bbps, wait few months or years. 😀
Deal Cadet Deal Cadet
Link Copied

OLA Payment GATEWAY saying incorrect OTP

Finance Ninja Finance Ninja
Link Copied

Your ola wallet kyc limit is over. Full kyc limit is 50k per month.

View 2 more replies
Deal Newbie Deal Newbie
Link Copied

Is there anyway to pay ICICI/Axis Card payments?

Deal Subedar Deal Subedar
Link Copied

for merchant "phonepe pvt ltd " one card showed it under the other category means this merchant has wallet MCC. @abhishek012 @Knight11 @shutapdiya

Heart of Gold Heart of Gold
Link Copied
don't do with onecard, they charge on wallet load transactions of more than 10K
View 5 more replies
Helpful Helpful
Link Copied

saare permutation combination aaj hi seekh lunga 😄

Like Magnet Like Magnet
Link Copied

@abhishek012 bhai Junio card se pay kaise kare? kuch baatao yaar.

Finance Ninja Finance Ninja
Link Copied
Phonepe wallet gateway se karo.
Deal Subedar Deal Subedar
Link Copied

sketch-1697552302120

Thanks @abhishek012

Deal Cadet Deal Cadet
Link Copied

SBI Card Blocked due to Suspicious Activity on 3rd Time 😂

Deal Subedar Deal Subedar
Link Copied

One more

sketch-1697552650160

Thanks @abhishek012

Deal Subedar Deal Subedar
Link Copied

Can anyone confirm which cards give rewards/cashback for this trick except sbi cashback cc on ola wallet?

Benevolent Benevolent
Link Copied

Here is the mcc.

Phonepe com - 4814

www OLACABS com - 4121

Ola money zipcash - 4900

Freecharge - 4900 (not sure on this)

Now check ur card terms and decide. Won't comment on individual card.

View 15 more replies
Pro Entertainer Pro Entertainer
Link Copied

Getting this error when trying the Ola PG? Any other PG which has a non-utility mcc? 

image

Finance Ninja Finance Ninja
Link Copied

Yeh naya naya chiz kaha se utha k late ho tumlog.

Follow all the step, also try any other browser or any other ola account.

replyuser
Click here to reply
Reply