Best method to pay Credit Card bills from debit cards and other credit cards (updated periodically) - 2024 version

I am trying to pay SBI bill through hdfc bill pay, it keeps failing. This is my first time paying through hdfc bill pay). Is there any cooling period after you add a biller ?

Trying to pay hdfc neu cc bill thru sbi unipay and keep on gettjng error: Insufficient merchant information. Anyone facing it and know how to resolve?

Sbi dc update: Removal of wallet trx from reward points from 1st May.

Points limit :Rs250 (or 1000 points) per trx and Rs 2500 per month.

Virtual cards will give rewards only on e-commerce.

Physical dc will give on all except account to wallet and account to account.

2x points on birthday month. But limit remains same.

No change in Reward rate: 0.25% (or 1% points x 0.25paise per point)

Details: https://rewardz.sbi/content/overview

Ps: Some are still getting points on wallet load in May


Thanks to @sahil1033 for creating a thread on this. Follow the discussion here: https://www.desidime.com/discussions/sbi-debit-...

Sbi Unipay worked fine for hdfc cc bill payment using DC. I used it at night (but I feel better to use during the day) for approx. Rs. 900 and payment was credited in 2 working days to the card.

Vu

I loaded my wallet from hdfc millennia debit card, however amazon doesn't allow me to pay cc bill from wallet. How dz it work actually?

Hdfc millenia debit card: 2.5% cashback

Is this true @ abhishek102

Why higher than Platinum card?

Anyone recently got indusind select visa varient card reward points?

Vu

from which site i need to pay bills to claim 5% cash back on utility bill payments using RBL enterprise debit cards? How much time it takes to get the cash back?

Thank you this post made me earn 1% cb for hdfc credit card bill payment through easyshop platina card on sbi unipay

SBI Unipay removed UPI option for CC to CC rotation so any another alternative?

I paid last month 25th , 50k on cred using indusind select visa card still no rewards

I paid 13k on paytm using indusind select visa card no rewards
Already 10 days over

Rupay cc ka kya use hai ab? Kahi payment nahi ho raha..

@Sachin9811 i found a thread on DD select account is 0 bal account for legend credit card holders if you know the process of upgrade then please tell me 

Currently I am indusind online savings account and INDIE customer 

Is sriram one working for idfc debit cards?

SBI Unipay removed UPI option for CC for CC to CC rotation, so trap got over:P

Courtesy Update from MrThanos

Not getting rewards points for IDFC on SBI unipay, had made transaction on 16th and 17th April, no points credited yet.

Is millennia dc still giving 2.5% for  mobikwik payments?

Valid as on 7th May 2024. I will keep on updating here and also on https://twitter.com/sm98119/status/178243226540....

1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.

1b) RBL Enterprise dc: 5% cb on paying cc bills using sbi unipay upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher.

2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories).

3) HDFC Millennia debit card: can be used to load Amazon, mobikwik or slice wallet and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay or sbi unipay to get 2.5%. Cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Bill desk QR code to pay cc bill from amazon wallet.

4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay for mastercard variant. Incremental rewards so if spend is for example 10k only <0.5% rewards.

For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise.

For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise.

6) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi. Get 2% cashback. Max cashback of 500 per month. Max cashback limit : Rs30 per tranx. Rs.100 per day.

7) IDFC Debit cards: Pay cc bill using sbi unipay.

Reward rate and dc fees depends on account type:

For wealth account : 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly. So, around Rs.5.36L transaction can be done.

For Select account : 0.5% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.7.5k rewards max monthly. So, around Rs.3.4L transactions can be done.

For basic account : 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.2k rewards max monthly. So, around Rs.1.6L transactions can be done.

8) Axis Liberty dc : Use upi to pay through any app or use dc through sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies.

9) Other dc: Axis Burgundy 2 ER per Rs200(Mobikwik), Axis Burgundy Private 1.5% ER, sbi dc 0.25%, union bank signature 1%, Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.

Alternative to SBI unipay: ‘Airtel’ (only bbps cc), ‘Sriram one’ app (only bbps cc) and 'Dhani Pay' (almost all cc; KYC required; not verified myself)

Imp note: SBI Unipay is working now for most of people, still try with small amount first. Paytm MCC can be different in some trx but mostly working for indus.

If you can, help me add/modify details. Trying to make it easier for people to find info.

How to pay onecard bill using hdfc or idfc dc as it's not available on either sbiunipay / hdfcbillpay?

What is the maximum amount that can be paid on Unipay? I tried with 2L - money debited but failed on unipay confirmation page, saying something like amount exceeded.

Today I applied indusind platinum select debit card but in cheq debit card option not showing

@abhishek012
Paid bill of kotak of  Rs. 13000 through sbi bpcl card from unipay, today checking transaction history it showing rent fee charge of Rs. 199 what to do..? Cc hv not seen any charges due to transaction not settled yet.. what can I do for reversal    

For idfc private DC.whats the best site to get rewards now? UNIpay? What’s the effective reward / cashback rate and is there any max limit per month on how many reward can be used ?

side note - when I click on my idfc rewards number in the idfc app. It’s giving an error for last several weeks — has annyone  else also faced this? And how did u resolve ? 

Any one paid credit card bill in paytm using platinum select debit card? And get reward points?

10days back I paid my credit card bill in cred app using signature plus debit card still reward points not credit any one tel me pls?

Vu

Paytm directly accepting debit card for payments..why this much complex thread