There are plenty of threads with credit card to bank transfer. And the best one is Snapay (just check it's reviews on play store and iOS) and compare with other apps. It is best option with very low failure rates (u get option to provide some other account details in case of failure).
People keep asking me in chat. So here I am writing one detailed post on this. I have been using it since over an year and many people are using for more than that without any issues.
Prerequisites -
1. Complete Full KYC with Aadhar and PAN.
2. Register with Twid pay with reward programmes and understand their benefits. Top 3 reward programs are intermiles, zillion and supercoin.
3. Intermiles can be used to get discount on Amazon vouchers (25 discount on 500 using 61 intermiles, i mostly go with this), Purchase Amazon vouchers directly (500 voucher for 2900 intermiles) and Flight tickets (u need to keep checking regularly to get good value). It can also be used on Twid pay to pay partially at 0.25 per points (u won't get points when redeeming). There are additional vouchers when u cross intermiles tiers, which give a good boost as well In general, I rate it at 0.22rs per intermiles as a conservative estimate.
4. Payback/Zillion is similar to intermiles. U can buy Amazon vouchers at 0.25 per point from payback Gyftr (most used by me). Or It can also be used on Twid pay to pay partially at 0.25 per points (u won't get points when redeeming). In general, I rate it at 0.22rs per payback point as a conservative estimate.
5. Supercoins - Best value u get is on cleartrip (1 point is 1 rupee). It has very low capping, so it is good for small transaction of 1500-2000. Though I avoid accumulating too much now a days, as cleartrip is changing SuperCoin usage continuosly.
6. Add your bank account or credit card , in which u want payment as beneficiary under utility payments category. For credit card, account number is same as credit card number and IFSC code can be obtained from google (say search sbi credit card neft payment for sbi IFSC code). Mobile number can be anything other than urs, it doesn't send anything on that number.
Now that you understand these prerequisites, here is the payment method.
1. Go to utility payments, select beneficiary, select any purpose (general payments or credit card payment or anything else), select sender for better returns, T+1 as transaction method and Pay with rewards as payment method.
2. Ensure that u see 2.5% charges. Usually they take 3.5% charges, but often run offers with 2.5% charges. Do transaction only during offer period.
3. Login to PWR account and select Intermiles/Zillion as payment method depending on which is giving better returns. It keeps changing from 3-10% depending on offers. Divide that by 4 to calculate the value u will get.
4. Check the cashback amount also. This varies from 0.5-1.5% depending on offers.
5. In general sum of intermiles/zillion divide by 4 and cashback amount easily exceed 2%. So, effective charge will be less than 0.5%. Don't transact if it doesn't exceed that and wait for better offers.
6. Sometimes it gives pretty good offers like 0.2% net charge or even 0%, though that is a bit rare. 0.5% net charge is pretty easy to get.
7. Now use any visa/mastercard/rupay card for payment. Diners and Amex doesn't work. Some of rupay cards also don't work. You will get reward points based on utility category (4900 MCC). Any card with more than 0.5% reward rate on utility category will make it net positive return.
8. Now to use the cashback, u got in previous transaction, u need to do another transaction of minimum 1500. Repeat same process as above. SuperCoins earn option is better for this small value transaction. Don't use supercoins redeem option, that gives terrible return.
9. You may also use cashback on magicpin twidpay to buy small value vouchers without any minimum transaction criterion.
Bonus benefits -
1. You can pay credit card bill using UPI under credit card payment tab and get 1% cb (minimum amount should be 2000) in snapay wallets.
2. This can be used for 50% of convinience fee when using utility payments for same day category.
3. Same day charges are 3% and T+1 charge is 2.5%. So, in net , u r saving 1% (u need to pay 1.5% instead of 2.5%) using 1.5% from snapay wallet. So basically u r getting 0.67% return on credit card payments via UPI . Of course, this is only when u intend to use utility payments.
Transaction limits -
1. 20K per transaction, 5 transaction per day for T+1
2. 15K per transaction, 1 transaction per day for same day
In general, Snapay won't ban you for any transfer under above limits. It is literally written in their description as official method for credit card to bank transfer. They just want to be sure that transactions are genuine and there won't be any chargeback. So don't use any card which is not in ur name to avoid any payment stuck issues.
But credit card company may see it as misuse. Utility category mcc has very low mdr. In general, I feel if ur usage don't exceed 30% of credit limit, it's all fine.
I have tried to cover everything in this detailed post. Please don't PM me. Everything I know is listed already and u need to re-read, if u r not seeing something. The whole purpose of this post is to avoid those DMs😅.
If still have queries, u can ask in this post and fellow dimers will respond.
Finance
Credit Card
Axis ACE credit card is best card for Snapay payment and transfer to bank - 2% unlimited cashback.
Axis Magnus credit card user also use for monthly 1 lakh milestone benefit.
abhishek012 wrote:Axis ACE credit card is best card for Snapay payment and transfer to bank - 2% unlimited cashback.
Axis Magnus credit card user also use for monthly 1 lakh milestone benefit.
Just adding a few more -
Bob hpcl gives 1.66% upto 18750rs.
Bob snapdeal also gives 2.5% upto 33333, although it is currently not working on twidpay.
Bob eterna/snapdeal works on Payzapp wallet load for 3.75%/2.5% and then payzapp card be used on twidpay. (It can be used for any card which doesn't give points on utility, but gives point on wallet load).
Knight11 wrote:We can repay our BOB CC bill payment through payzapp wallet balance on Payzapp app.Just adding a few more -
Bob hpcl gives 1.66% upto 18750rs.
Bob snapdeal also gives 2.5% upto 33333, although it is currently not working on twidpay.
Bob eterna/snapdeal works on Payzapp wallet load for 3.75%/2.5% and then payzapp card be used on twidpay. (It can be used for any card which doesn't give points on utility, but gives point on wallet load).
abhishek012 wrote:
We can repay our BOB CC bill payment through payzapp wallet balance on Payzapp app.
Faltu k phir payzapp card to Snapay me use karne ki kya jarurt hai.
How many days Payzapp will take to identify the bob CC bill. My bill was generated on the 16th but still Payzapp is showing no bills found after refresh and remove and add bill also?
cherukuri415581 wrote:Wait few more days.How many days Payzapp will take to identify the bob CC bill. My bill was generated on the 16th but still Payzapp is showing no bills found after refresh and remove and add bill also?
Knight11 wrote:Just adding a few more -
Bob hpcl gives 1.66% upto 18750rs.
Bob snapdeal also gives 2.5% upto 33333, although it is currently not working on twidpay.
Bob eterna/snapdeal works on Payzapp wallet load for 3.75%/2.5% and then payzapp card be used on twidpay. (It can be used for any card which doesn't give points on utility, but gives point on wallet load).
Bob snapdeal 2.5% is upto 2000 reward point so, ₹500 upto 20k
abhishek012 wrote:Thanks @abhishek012 . This is my first bill .
Wait few more days.
By they way you can remove your card and re-add again to pay again your old generated bill.
For getting wallet balance to use against convenience fee, Credit card Bill payment should not be less than 2000. Else you won't earn scratch card.
abhishek012 wrote:
We can repay our BOB CC bill payment through payzapp wallet balance on Payzapp app.
Faltu k phir payzapp card to Snapay me use karne ki kya jarurt hai.
If u want to pay for cards other than Bob/kotak or want to transfer to bank.
cherukuri415581 wrote:How many days Payzapp will take to identify the bob CC bill. My bill was generated on the 16th but still Payzapp is showing no bills found after refresh and remove and add bill also?
Check now
Alexios wrote:
This is what mentioned on their website.
They don't say 20k spend. They only say 2000 points.
That 2000 points is for 6 per 100 and not 10 per 100. People often confuse it with 10 per 100 and calculate as 20K limit. But it's 6 per 100, so 33333 is limit.
4 points (1%) is regular reward rate and doesn't count in 2000 limit.
Bro I'm only getting Zillion and Supercoins and not Intermiles but from yesterday even Zillion is gone. Is anyone facing the same issue?
Knight11 wrote:They don't say 20k spend. They only say 2000 points.
That 2000 points is for 6 per 100 and not 10 per 100. People often confuse it with 10 per 100 and calculate as 20K limit. But it's 6 per 100, so 33333 is limit.
4 points (1%) is regular reward rate and doesn't count in 2000 limit.
They did mentioned 10 per 100. This is something new for me to learn.
NobiNobita wrote:Bro I'm only getting Zillion and Supercoins and not Intermiles but from yesterday even Zillion is gone. Is anyone facing the same issue?
Zillion is unavailable for me too. But intermiles is there.
NobiNobita wrote:Bro I'm only getting Zillion and Supercoins and not Intermiles but from yesterday even Zillion is gone. Is anyone facing the same issue?
Yes.. same here 
abhishek012 wrote:Bob snapdeal cc se payzapp pe load kro aur 2.5% le lo phir payzapp se bob snapdeal ka payment kr do
We can repay our BOB CC bill payment through payzapp wallet balance on Payzapp app.
Faltu k phir payzapp card to Snapay me use karne ki kya jarurt hai.
Brother you covered all the points about snapay but you missed one point that intermile points gets credited after one month of transaction. So, i would suggest go with zillions instead of intermiles.
abhishek012 wrote:
Yes
can you get 1% on millenia and pay bob cc?
Really appreciate it kg+
I have never used this app but will give it a try
Most detailed post ever
Very rarely question is getting raised
Transaction limits -
1. 20K per transaction, 5 transaction per day for T+1
2. 15K per transaction, 1 transaction per day for same
What if the transaction amount is 2000/- ?
Then how many transactions per day are allowed for T1 ?
Add your bank account or credit card , in which u want payment as beneficiary under utility payments
Are T1 Charges the same if Beneficiary is CC or SB A/C ?
@Knight11
anantnitish wrote:BOB Eterna and Snapdeal CC se wallet transaction block karta hai. Ekbar me load kar lena, jitna karna ho monthly.Nhi load hota hai bro
1st time kra tha 10k ka wo hogya tha but abb nhi add hota hai
urmila.contact wrote:Most detailed post ever
Very rarely question is getting raised
Transaction limits -1. 20K per transaction, 5 transaction per day for T+1
2. 15K per transaction, 1 transaction per day for same
What if the transaction amount is 2000/- ?
Then how many transactions per day are allowed for T1 ?
Add your bank account or credit card , in which u want payment as beneficiary under utility payments
Are T1 Charges the same if Beneficiary is CC or SB A/C ?
@Knight11
5 transactions, same charges.
2nd Best is Aeronpay
Cc to Cc settlement in a flash second
Very nice and smooth interface
Flat 1.5% Charge
 Guide for Rs. at ){kind=link}
 Guide for Rs. at ){kind=link}
Nothing lasts forever.
And this is not a trick. It's a legitimate method to pay on snapay. You are paying to get back something.
And if u don't believe in sharing and want to enjoy it urself, why join this forum😂. The whole purpose of forum is sharing, otherwise it will be dead.
I will like 100 people using something for 1 day rather than 1 people for 100 days😄.
Just adding a few more -
Bob hpcl gives 1.66% upto 18750rs.
Bob snapdeal also gives 2.5% upto 33333, although it is currently not working on twidpay.
Bob eterna/snapdeal works on Payzapp wallet load for 3.75%/2.5% and then payzapp card be used on twidpay. (It can be used for any card which doesn't give points on utility, but gives point on wallet load).
Today's offer - 2.5% charge, 9% intermiles, 1% cb. Net about 0.75% profit plus card points.
This is best offer in last one year or so.
Edit: Working only once.