Thought About Credit Card Bill Payment

Which Credit Card U Have ?? Will Tell Instant Method For You

UnderNation wrote:
Which Credit Card U Have ?? Will Tell Instant Method For You

I have hdfc card, icici card, kotak card, axis card, please guide.

Dont have onecard But sbi is always instant irrespective of platform paytm, mobi, cred, amazon
No idea how and why other cc can't follow it 

myfungang829 wrote:
I have hdfc card, icici card, kotak card, axis card, please guide.

For icici u can try amazon upi using @ amazonpay

Almost all cc are now instant, on what platform did you try

insta wrote:
Dont have onecard But sbi is always instant irrespective of platform paytm, mobi, cred, amazon
No idea how and why other cc can't follow it 

yeah SBI is supersonic in terms of taking money atleast

akki.akki wrote:
yeah SBI is supersonic in terms of taking money atleast

No issue if all becomes like this
Apart from sbi, idfc is always reflected within 2day
Axis and icici to jan ataka dete

insta wrote:
For icici u can try amazon upi using @ amazonpay

I don't prefer paying via third party/UPI. I pay via neft. ICICI and axis send messages of credit within 3-4 hrs of payment. But their app takes 2-3 days to reflect the same, plus none of the apps show no payment pending (after payment is made) like onecard.

tonystarx wrote:
Almost all cc are now instant, on what platform did you try

Really r u joking Axis has totally become worst since 2-3 months and Icici is following it I mostly pay from amazon and cred Cred use to be instant when they used upi but they started neft now which axis/icici doesnt reflect in cc for upto 2 days

myfungang829 wrote:
I don't prefer paying via third party/UPI. I pay via neft. ICICI and axis send messages of credit within 3-4 hrs of payment. But their app takes 2-3 days to reflect the same, plus none of the apps show no payment pending (after payment is made) like onecard.

Yes i used to pay via neft when i was new to cc and experienced same Ab cb ke chakkar me thoda tension ho jata kabhi kabhi I just ensure to pay most of outstanding much earlier  than due date

myfungang829 wrote:
I have hdfc card, icici card, kotak card, axis card, please guide.

Google pay, respective bank's netbanking, cred allows the due to be settled almost instantly 

Just imps the amount to your card for instant settlement .

Thing is card issuer bank is notified of payment irrespective of mode. UPI/IMPS is instantly settled while other modes take time. Banks mark a credit but finalize and post only after settlement. So other modes take time. Some banks notify instantly on a payment, while others not, how their software and systems are configured that matters.

From past month or so I see yellow dot 🟡 above the transaction for couple of days when I pay bill from cred for OneCard issued Federal bank. But the amount to be paid gets reduced, is this instant?

10ven wrote:
From past month or so I see yellow dot 🟡 above the transaction for couple of days when I pay bill from cred for OneCard issued Federal bank. But the amount to be paid gets reduced, is this instant?

Partially, it basically means your payment was acknowledged but there is a rare chance it may get reversed due to some technical issue/user complaint 2-3 days later. Once a payment to credit card is completely settled then no chance of it reverting.

UnderNation wrote:
Which Credit Card U Have ?? Will Tell Instant Method For You

Hdfc, kotak, axis

tonystarx wrote:
Almost all cc are now instant, on what platform did you try

Mostly cred, amazonpay upi. Kotak takes most time after that hdfc then axis

insta wrote:
Really r u joking Axis has totally become worst since 2-3 months and Icici is following it I mostly pay from amazon and cred Cred use to be instant when they used upi but they started neft now which axis/icici doesnt reflect in cc for upto 2 days

True. For me also hdfc, axis and kotak takes days

UnderNation wrote:
Which Credit Card U Have ?? Will Tell Instant Method For You

It's will be really helpful as i have a very low limit for axis Flipkart. Pay and use keep repeating this multiple times.

myfungang829 wrote:
I have hdfc card, icici card, kotak card, axis card, please guide.

For Safer Side Try With 1 Rupee And Check Statemnet immediately. 

For Icici UPI Id  << ccpay(dot)16 digit [email protected] >>

For Axis Upi Id 

Cc(dot)91 <Your 10 Digit Registered Mobile No.><Last 4 Digits Of Your Credit Card>@Axisbank

Example: [email protected]

shubhampakhare wrote:
It's will be really helpful as i have a very low limit for axis Flipkart. Pay and use keep repeating this multiple times.

If you keep using like this then risk of not getting auto limit enhancement for long time unless it is your only cc currently.

guest_999 wrote:
If you keep using like this then risk of not getting auto limit enhancement for long time unless it is your only cc currently.

I do have other OneCard, hdfc Business Moneyback, Kotak 811 but none of the have good cashback rates . So mostly i use Flipkart. 

Didn't know about this will limit my use as much as possible.

insta wrote:
Really r u joking Axis has totally become worst since 2-3 months and Icici is following it I mostly pay from amazon and cred Cred use to be instant when they used upi but they started neft now which axis/icici doesnt reflect in cc for upto 2 days

A
X
I
S

THA/HAI/RAHEGA BAE/LOVE FOREVER

shubhampakhare wrote:
I do have other OneCard, hdfc Business Moneyback, Kotak 811 but none of the have good cashback rates . So mostly i use Flipkart. 

Didn't know about this will limit my use as much as possible.

Close kotak 811 FD based cc I am assuming. OneCard if it is FD based then forget about hoping it will be converted to unsecured/non-fd based & once you close it you will never get another onecard in this lifetime as per exact words of another dimer here who verified via official source. Use fk card for purchases on flipkart mainly & for other spends try to use onecard 1% cb on top 2 spend categories as much as possible(do some small test txns to see which sites give what categories). Use your hdfc card for buying GVs on HDFC smartbuy---instant voucher---gyftr smartbuy to get around 2.5%(because convenience fee on amazon gv) on amazon gv(10k per month per hdfc card per gyftr acc limit) & 5% on other brands(flipkart gv 10k limit same as amazon but you don't need this as much as you already have fk card) to purchase stuff from sites like bigbasket/blinkit/swiggy etc. Total smartbuy 5% cb limit is 1k per month. Make sure otp sms contain smartbuy in merchant name.

MrKool_JJ wrote:

A
X
I
S

THA/HAI/RAHEGA BAE/LOVE FOREVER

Buy why this "LOVE FOREVER"

guest_999 wrote:
Buy why this "LOVE FOREVER"

Forever LOVE as far as their chori is concerned

guest_999 wrote:

Close kotak 811 FD based cc I am assuming. OneCard if it is FD based then forget about hoping it will be converted to unsecured/non-fd based & once you close it you will never get another onecard in this lifetime as per exact words of another dimer here who verified via official source. Use fk card for purchases on flipkart mainly & for other spends try to use onecard 1% cb on top 2 spend categories as much as possible(do some small test txns to see which sites give what categories). Use your hdfc card for buying GVs on HDFC smartbuy---instant voucher---gyftr smartbuy to get around 2.5%(because convenience fee on amazon gv) on amazon gv(10k per month per hdfc card per gyftr acc limit) & 5% on other brands(flipkart gv 10k limit same as amazon but you don't need this as much as you already have fk card) to purchase stuff from sites like bigbasket/blinkit/swiggy etc. Total smartbuy 5% cb limit is 1k per month. Make sure otp sms contain smartbuy in merchant name.

Kotak 811 is not fd based. It's just a new 811 card. 15000 limit. 0.5 reward rate. 4 pvr tickets or 750 reward points milestone benefits. No joining fees. Annual fee waived off on 75000 spends.

One card is fd based 2200 limit

akki.akki wrote:
yeah SBI is supersonic in terms of taking money atleast

telling you that they got it, everyone takes the same way though 😄

shubhampakhare wrote:
Kotak 811 is not fd based. It's just a new 811 card. 15000 limit. 0.5 reward rate. 4 pvr tickets or 750 reward points milestone benefits. No joining fees. Annual fee waived off on 75000 spends.

One card is fd based 2200 limit

Why did you even take onecard with such low limit, now you are forever stuck with fd based onecard with this low limit unless you increase fd amount. Same thing with kotak 811 card though at least kotak gives limit enhancement relatively more generously.