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Suggest best way to pay credit card bill to get maximum cashback back

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Adityachs1

Hi All,

This month I need to pay CC bill of 1lk(50k+50k) and I would like to find best way to grab cashback

Options I tried/explored, but not of use:

1.CRED: I am getting only one day reward from January 1st instead of 3 days that one or 2 rupees for 1000

2. Mobikwik : I don't want to give email access and without this I don't find any cashback option here. (also it didn't recognise bills from Mail in the past). Spin wheel is giving upto rs. 100 means one of 2 rupees for 10k is waste

3. Paytm : all coupons I see are with cashback, which means nothing

4. Park+: At present this the only best option I see rs. 5 for 500

5. Cheq: as you know it's 1% cashback but with rs. 0.10 for 1 coin
(I am thinking this the only option that I may something also using HDFC millenia Debit card may give some points)

Can you suggest any better option? @Mayavi can you help here also please tag experts in this area pray

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.
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Cool Cool
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Thank you, but I dont have RBL account sad. Only HDFC and ICCI savings accounts.
Tech Guru Tech Guru
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@Adityachs1 hdfc platinum card will give 1% cashback if the bill is paid via hdffc bill pay by logging into netbanking. 
Beacon Beacon
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Off topic but asking because I'm not aware of terms "KG,VU" used on desidime. Please elaborate if someone knows.

Hunk Hunk
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KG is 'KARMA GIVEN ' and VU is 'VOTED UPWARD' blush @HumorFi

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postpe

Cool Cool
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Thank you (KG), can you elaborate as i never explored it.


Will this come under loans category and hit CIBIL ?

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Deal Cadet Deal Cadet
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RBL Signature plus debit card will give 2%. But for the effectively value of 2%, you need to spend 5L in a year (which will provide gift voucher and waive off next year renewal fee). More details as @abhishek012 smile

Cool Cool
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Thank you, but I dont have RBL account sad. Only HDFC and ICCI savings accounts.
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Deal Newbie Deal Newbie
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Ind Money is giving around 0.3 percent as of now . It is based on my last 5 transactions . It is not allowing Rupay credit card bills

Cool Cool
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.3% means 300 per lack, hdfc billpay gives 400 (1% cb upto 400).
Also my both cards are Rupay only
Beacon Beacon
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Off topic but asking because I'm not aware of terms "KG,VU" used on desidime. Please elaborate if someone knows.

Hunk Hunk
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KG is 'KARMA GIVEN ' and VU is 'VOTED UPWARD' blush @HumorFi

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Cool Cool
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thank your for the link, seems the data is old.Anyhow I see the following options from the link.

1. HDFC bill pay as others stated here,
2.Jupiter, But I am not sure what exactly it is .... any impact on CIBIL score
3.AU Royal savings account - 1% Cashback per month.--need to explore

Deal Cadet Deal Cadet
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gone are the days of cashback from cc bill payments. (think of them like jio free offer that ended once market was captured)

just split payment between all apps.

down the line users will be charged fees in the future to make cc bill payments.

Cool Cool
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I agree with you. We have to use how long they will work.

Splitting is ok, but how can you suggest ?
Deal Cadet Deal Cadet
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lets say you have rs60 due then split them as Rs30 payment each from mobikwik, payzapp, etc rather than just one app. U may also use debit card that gives cashback instead of upi for cc bill pymnts.

Cool Cool
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I got the point, but mobikwik is not giving anything other than upto 250 on 7.5k, which is 2 or 3 rupees. will Payzapp any cashback ? Other than HDFC card on bill pay I dont find any DC gives cashback (I dont have RBL account).
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Cool Cool
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Guys,

I opened Jupiter account (basic without KYC). Added some amount.

Now when i check in Cheq I don't see debit card option to pay. How to pay ?

Cool Cool
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guys Jupiter is not giving any cashback on debit cards, please note its waste of effort and time to open jupiter account. They might have given in past but not now.

99% of the transactions will not get any cashback in Jupiter. Only transactions done on Amazon, Flipkart, Swiggy, Zomato and Dunzo, Myntra and Uber will get cashback either via Debit card or UPI.

image

Beacon Beacon
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Every month i earn 750+500 jewels on jupiter that equals to ₹250 per account (i have 2 Jupiter accounts) without spending my money. There are many loops holes to get jupiter jewels, you need to find it with trial and error.

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Deal Cadet Deal Cadet
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btw does park+ have cc bil payment option for most or limited banks ?

Cool Cool
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Yes, Park+ has CC option. It supports most of the banks now. (sometimes it will not work)
It gives Rs,5 on 500, twice  a day.
Deal Newbie Deal Newbie
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Hey.. @Adityachs1 there's one more Option Use Any Platform thats providing Debit card payment option but Sbi Debit card if u Have for ex; for 1600 you get 16 points Since you have 50k you should get 500 points@(125 Rs)... probably if have better Sbi card which 2x points Or Else Even Normal Debit card gives 1 point@100 Rs.....

Deal's Advocate Deal's Advocate
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Most apps have reduced cb for cc bill pay, parkplus gives 5 twice for 500rsx2 per day transaction looks best

Cool Cool
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but settlement time is poor. I paid bill on 28th, till its not settled:(

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Deal Subedar Deal Subedar
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u can use park plus for 100x 3 also in addition to 500x2 per day.

you can also try creating more accounts to pay more each day.

Cool Cool
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Oh OK, thank you

Deal Cadet Deal Cadet
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You can also try Bajaj Finserv app, It used to give 10 CB on 1000 min payment randomly 3-4 times in a month previously, now a days its giving 1% coins back upto 100 coins I guess... 5 coins is 1 Rs, so you do the maths... and also randomly it will send notifications for CC payment offers although they have become less now.. still way better than paytm

Cool Cool
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Bajaj tortures with phone calls for loans etc., so I never tried it and don't want to goto their trap

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Deal Lieutenant Deal Lieutenant
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I haven't used cheq for a while. 

Cheq crediting the money to credit card instantly ?

Cool Cool
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Cheq payments are faster and it removed charges aswell but it devalued the coin value. From. 50 praise to. 10 paisr

Deal Lieutenant Deal Lieutenant
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I haven't used cheq for a while. 

Cheq crediting the money to credit card instantly ?

Deal Newbie Deal Newbie
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PPBL DC giving 50 cashback on 15k cc bill payment.😃

Cool Cool
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Paytm payment bank? Are there any charges on the account, DC? Any limit on DC cashback? Seems now RBI stopped paytm and close pb by mid March I think

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Deal Newbie Deal Newbie
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I explored a lot of options when I had to pay 2.5 - 3L for my CC.

most of the paths are now closed for getting CB, there still may be some methods that I am not aware of.

Methods which I used at that time are mentioned here.

I feel that most of the methods to get CB for CC payments are not worth it anymore. either you need to create account and share your details for some shady new app, or you need to make multiple payments in very small amounts, or sometimes both. 😂

HDFC bill pay (I know you can't use it since you have HDFC CC) is my goto now to get 1% CB per month upto ₹750 using HDFC Platinum Debit Card. Although I rarely hit the upper limit, I pay ~ 10K - 20K every month for all my different CCs & get ₹100 - ₹200 CB 😁. No hassle of small payments like cred or other apps. And CB points gets credited in your Debit Card 1-2 days after the bill payment. Only downside is, that sometimes it can take a week for the payment to reflect in the CC Statement, So I pay almost 7-10 days before due date.

PS: Please try to complete all the payment well before the due date, ideally 1 week before the due date, or you might have to pay hefty interest on it.

Deal Newbie Deal Newbie
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Nowadays hdfc platinum debit card is not giving 1% Cashback, I was getting earlier but it is stopped now. Pls check

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Deal Newbie Deal Newbie
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Pro tip for people who want to use Cred / Mobikwik and need to provide email access whithout actually sharing all your existing emails with them due to privacy concerns. (tested with gmail only, other may work as well)


1. You need to create a dummy gmail account which you'll use only for your CC related emails only. you can use any email as well which you don't mind sharing with them.

2. In your primary email (you can even use multiple email if you have multiple CCs linked to different email accounts) where you receive your statement / cc alerts, setup filters in gmail to filter out exactly the type of emails you want to send to your new email which you created in step 1 above.

3. Now use this filter in your primary email and set the forwarding of all emails to your new email.

4. Before you can start forwarding your emails to your new gmail account, you'll need to verify it as well.

5. Voila! you have a new email account now, which would only receive CC related alerts.

You can find some guide on youtube / google on how to setup email forwarding for google or any other email


Email naming Tip: if you name is desidime then create an email like [email protected] or [email protected]. or if your existing email is desidimexyz, then add cc. / .cc at the start or end of it. eg.: [email protected]


Cool Cool
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hmm, Good idea, I didn't know that forward mail will be picked up by Mobikwik. I can try next time. thank you. KG

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Cool Cool
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Guys,

Please check this deal : https://www.desidime.com/deals/cred-pay-and-air...

We are getting Rs.15 on Rs.150/- (second time i got Rs.1 on Rs.150). So, use this deal

Also I could pay Credit card bill with Credit card smile

Deal Cadet Deal Cadet
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Snapay plus Bhim upi is best option right now

Cool Cool
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I Opened Snapay account and recently paid my CC bill, but I don't see any thing cashback or returns/

Can you help me understand how to use Snapay and advantages ?
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Deal Cadet Deal Cadet
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Indie digital savings account. IP 50k and upgrade to Megastar then pay Rs 500 CC bill and get flat Rs100 as gems, That's 20% CB. Pay upto 10 unique cards and get Rs 1000 per month. DM me if you need referral.

Cool Cool
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50k initial payment ?
what is MAB ?
What is the criteria to upgrade to Megastar ?
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