Best method to pay Credit Card bills from debit cards and other credit cards (updated periodically)
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I want to share the most rewarding methods to pay cc bills (incl paying through other cc). I will aim to update this list periodically.
If you can, help me add/modify details. Trying to make it easier for people to find info.
Update #1: 24Aug23
Debit Card methods (in order of preference):
1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).
2)HDFC PLATINUM debit card: can be used on hdfc bill pay and mobikwik for 1% cashback upto rs750 pm. (excl mobikwik offers). This does not work on Cred. Fees 750 (waived for certain account categories)
3) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories)
4) Other dc: Indusind exclusive, RBL edc, axis liberty [will add details]
CC to CC/Bank free transfer: [please use only in exceptional cases]
1) ICICI pockets: Load money from Rupay cc using gpay. Transfer from Pockets to bank/pay bills.
2) E Rupee : Load eRupee wallet using Rupay cc and then transfer to bank. [check w small amount]
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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.
Top Comments
https://www.desidime.com/comments/permalink/9509082
HDFC Platinum and Millennia debit cards are so popular on DD that I am fearing that HDFC is going to shutdown the 1% CB via HDFC Bill Pay / Mobikwik sooner or later. Enjoy it while it lasts, I say.
https://www.desidime.com/comments/permalink/9509172
Been around for years. Many other banks have rewards points, none so popular. Chances that other will copy/provide more rewards.
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https://www.desidime.com/comments/permalink/9509298
Dont think any option to do directly. Can load wallets through c card then trf
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https://www.desidime.com/comments/permalink/9509998
@Sachin9811 i have accidently added 50K instead of 5K to my Icici pocket wallet with GPAY and rupay cc, transaction was successful , but amount was not credited to pocket wallet, due to 25k limit.
Now what will happened to my amount ?
https://www.desidime.com/comments/permalink/9510248
View 8
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https://www.desidime.com/comments/permalink/9510346
3rd point in which account category Millennia fee waived off?
View 19
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https://www.desidime.com/comments/permalink/9510434
Erupee official app? or any bank specific erupee app?
https://www.desidime.com/comments/permalink/9510495
Try icici e rupee. But small amount check if it works for you.
Hearing from people it stopped for them.
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https://www.desidime.com/comments/permalink/9510437
in ICICI pocket add fund option, I am getting 2 UPI option:
1. Add funds via UPI within app: It is asking to link a bank in the app and use that bank
2. Add funds via UPI from other apps: It is asking to open another upi app and transfer money to pocket app upi.
can you share the steps for Load money from Rupay cc using gpay?
https://www.desidime.com/comments/permalink/9510494
Use 2nd.
That is send money from gpay to 'Pockets.Your number@icici'
View 7
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https://www.desidime.com/comments/permalink/9511235
What is the benefit of using the pocket app?
https://www.desidime.com/comments/permalink/9511547
Cc to bank/cc free of charge
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https://www.desidime.com/comments/permalink/9513027
if someone is aware, please add idfc debit for bill payment
https://www.desidime.com/comments/permalink/9513073
Yup this i Will add. Good rate
https://www.desidime.com/comments/permalink/9519297
Update #2: 29Aug23
Debit Card methods to pay cc bill:
1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).
2) IDFC Debit cards: Pay cc bill using mobikwik. 1.8% rewards post 20k threshold for non-Premium dc variant. Pre threshold, only 0.3% reward. Premium dc (select, wealth, private) also give rewards but higher threshold. Fees as per variant.
3)HDFC PLATINUM debit card: can be used on hdfc bill pay and mobikwik for 1% cashback upto rs750 pm. (excl mobikwik offers). No cashback for payment through Cred, paytm, Cheq. Fees 750 (waived for certain account categories)
4) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from wallet.
5) Other dc: Indusind exclusive (upto ~0.9% cashback), RBL EDC (depends on milestones achieved), Axis Burgundy 1% ER, Axis Burgundy Private 1.5% ER [source: Theo], Axis liberty [will add details]
CC to CC/Bank transfer: [please use only in exceptional cases]
1) ICICI pockets upi: Load money from Rupay cc using gpay (no charge). Transfer from Pockets to bank/pay bills (no charge).
2) Load payzapp from cc (no charge). Pay rent using Paytm (1.5% charge)
3) Load Paytm/Airtel fastag from SBI cashback cc using Park+ app (source: Abhishek012). 5% cb from sbi and 1% charge.
4) E Rupee : Load eRupee wallet using Rupay cc and then transfer to bank. Check w small amount. Not working for some (source: saucy)
If you can, help me add/modify details. Trying to make it easier for people to find info.
https://www.desidime.com/comments/permalink/9540252
idfc still giving points? i heard they devalued.
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https://www.desidime.com/comments/permalink/9528703
Is there any trick left for rupay cc to cc bill payment?
Gpay and Snapay already patched...any other working please dm me.
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https://www.desidime.com/comments/permalink/9531395
Will I get 1% cashback on HDFC Easyshop Platinum card, If paid credit card bill on following platform?
Cred, Cheq, Mobikwik, Paytm CC bill pay, HDFC bill pay portal
https://www.desidime.com/comments/permalink/9531408
Can confirm that mobikwik and hdfc bill pay will give cb. Cheq, cred don't
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https://www.desidime.com/comments/permalink/9533090
Can HDFC Millennia debit card be used for higher than 1% cashback?
https://www.desidime.com/comments/permalink/9533156
Heard people get 2.5% on mobikwik for cc bill payment, counted as utilities. But check for yourself.
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https://www.desidime.com/comments/permalink/9534716
@dexter_greycells @Sachin9811 how does HDFC platinum dc gives 1% on mobikwik? Do we need to take care of the merchant name here? Whenever I used millenia dc. I used to get "one mobikwik system" as merchant name .
Please confirm what should be merchant name while transacting with HDFC platinum DC
https://www.desidime.com/comments/permalink/9534752
There is absolutely no need to bother validating the merchant name when using HDFC Platinum DC on Mobikwik for CC bill payment.
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https://www.desidime.com/comments/permalink/9548957
Icici pocket limits per day? Also, can we pay cc bill directly via pockets wallet balance?
https://www.desidime.com/comments/permalink/9552149
How to get this RBL Signature + Dc ? Please enlighten us if possible.
https://www.desidime.com/comments/permalink/9552453
Open rbl saving account min balance of 5k or higher variant.
Do not apply any debit card at time of opening.
After account is active, apply this debit card. 5.9k charges. You will get 5k voucher after few weeks of dc delivery if you do an offline tranx.
If you want more details google search for rbl signature plus dc benefits, you will get many forums/threads on this topic.
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https://www.desidime.com/comments/permalink/9553097
Hdfc credit card payment we cannot do from hdfc pay right? We need to use mobikwik?
https://www.desidime.com/comments/permalink/9553306
Yes. But Mobikwik has changed merchant payment codes. So, can't say if earning points now. Better wait for couple of days.
Alternatively, can do cc to cc payment: start process to pay cc bill with dc, but cancel at otp page. It will take you to payu page to enter card details again. enter debit card details to pay but cancel again at otp page. Third time use cc details and complete tranx, it will go through.without extra charges.. Only few cc working like sbi, idfc, icici apay. Working now, can stop any day.
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https://www.desidime.com/comments/permalink/9556638
Except hdfc bill pay and mobikwik, I am not aware of any other.
Can pay excess cc bill from bill pay and get refund later from cc (sbi cc refund process easiest). You will get cashback.
https://www.desidime.com/comments/permalink/9554713
for RBL DC, is digital account ok. or account from branch is needed ?
https://www.desidime.com/comments/permalink/9556088
Very enlightening and interesting information.
https://www.desidime.com/comments/permalink/9558453
Now One mobikwik merchant name is coming in OTP page.
https://www.desidime.com/comments/permalink/9558475
Merchant name is gone..loot is gone 
https://www.desidime.com/comments/permalink/9559773
Mobikwik loot gone 
Any other app
https://www.desidime.com/comments/permalink/9562651
Because of change in MCC at MKWK side ?
View 1
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https://www.desidime.com/comments/permalink/9560595
Idfc ki murgi kartne gaye to mobi egg dena band kar diya. 🤷..
https://www.desidime.com/comments/permalink/9561622
Ek tha mobid..k
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Update #2: 29Aug23
Debit Card methods to pay cc bill:
1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).
2) IDFC Debit cards: Pay cc bill using mobikwik. 1.8% rewards post 20k threshold for non-Premium dc variant. Pre threshold, only 0.3% reward. Premium dc (select, wealth, private) also give rewards but higher threshold. Fees as per variant.
3)HDFC PLATINUM debit card: can be used on hdfc bill pay and mobikwik for 1% cashback upto rs750 pm. (excl mobikwik offers). No cashback for payment through Cred, paytm, Cheq. Fees 750 (waived for certain account categories)
4) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from wallet.
5) Other dc: Indusind exclusive (upto ~0.9% cashback), RBL EDC (depends on milestones achieved), Axis Burgundy 1% ER, Axis Burgundy Private 1.5% ER [source: Theo], Axis liberty [will add details]
CC to CC/Bank transfer: [please use only in exceptional cases]
1) ICICI pockets upi: Load money from Rupay cc using gpay (no charge). Transfer from Pockets to bank/pay bills (no charge).
2) Load payzapp from cc (no charge). Pay rent using Paytm (1.5% charge)
3) Load Paytm/Airtel fastag from SBI cashback cc using Park+ app (source: Abhishek012). 5% cb from sbi and 1% charge.
4) E Rupee : Load eRupee wallet using Rupay cc and then transfer to bank. Check w small amount. Not working for some (source: saucy)
If you can, help me add/modify details. Trying to make it easier for people to find info.
The Rs 50 cashback for GRAB1CCBP / DDCCBP codes is received in your Mobikwik wallet. Mobikwik won't let you do more than Rs 20k on your HDFC Platinum DC within 24 hrs. You can do multiple Rs 19999 on the same day though.
Also, the 1% upto Rs 750 on HDFC Platinum DC is all inclusive - so either you do Rs 75k via HDFC Billpay or Rs 75k via Mobikwik or you do half and half - Rs 750 is the max you are getting. As I said, for first bill payments for the month, Mobikwik will let you apply those codes to get an extra Rs 50 off.
Mobikwik does not get a lot of trust around on DD and for valid reasons. If your CC is non-HDFC and is available on HDFC BillPay, I say stay clear of Mobikwik.
Update #3: 14 Oct 23
Debit Card methods to pay cc bill:
1) RBL signature + dc: 1% cashback for payment by loading wallet or paying directly using paytm,payzapp, cred. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5,000 (excl gst) issuance (get 5k voucher) and 1,500 annual (waived off on 3L spends).
2) HDFC PLATINUM debit card: can be used on hdfc bill pay for 1% cashback upto rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories). Can also use freecharge for 1k tranx as many times as allowed for you.
3) HDFC Millennia debit card: can be used to load Amazon/Paytm wallets and then pay bill. 1% cashback upto 400pm. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from wallet.
4) Indusind exclusive (upto ~0.9% cashback): use paytm for visa variant. creq for mastercard variant. Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise. Incremental rewards so if spend is for example 10k only 0.4% rewards.
5) 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.
6) IDFC Debit cards: Pay cc bill using freecharge. 1.8% rewards post 20k threshold for non-Premium dc variant. (1.2% freecharge fees, net 0.6% reward. Else can pay upto 1k tranx without 1.2% fees as many times as allowed.) Pre 20k threshold, only 0.3% reward. Premium dc (select, wealth, private) also give rewards but higher threshold. Dc Fees as per variant.
7) Other dc: RBL EDC (depends on milestones achieved), Axis Burgundy 1% ER, Axis Burgundy Private 1.5% ER [source: Theo], Axis liberty [will add details]
If you can, help me add/modify details. Trying to make it easier for people to find info.