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

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

i heard payzapp has dc option to pay cc bill

can i enter any amount to pay or will it automatically fetch bill and i need to pay full amount ?

waiting for some good response

Unipay continuously failing for ICICI Card. Need to pay 1L. Suggest better pay options either thru DC or other means. Thank you

Update: 

HDFC bill pay link?

Can u suggest the app after entering the card number and amount I need a Qr code to make the payment by others which app is giving QR codes like this

How to download sbi unipay app??

How much time is idfc taking to credit RP?

Paid cc bill on April 29 using idfc dc on sbiunipay ,

amount credited to card yesterday ,

but not credited RP yet

how much time does it take to credit payment for HDFC credit card using SBI Unipay - Rupay CC UPI ?

Paid 50k via Uni pay... transaction was successful..but the money hasnt been still credited in the account...its been more than 24 hrs...how much time does it usually take..??

• Read this on Millenia DC page.
  
• CashBack Points can be earned for every transaction greater than ₹400

So, if the transaction is below 400, then I will get nothing. 

Does, it gives fractional points like HDFC Plat DC. 

Suppose if transaction amount is 510, how much cb I will get (Considering @ 1%)? 4 or 5.1

Idfc shows unipay as 9399 @abhishek012

I'm trying to pay HDFC CC Bill from HDFC Netbanking BillDesk(New GUI), I don't see HDFC at all in the billdesk page of HDFC.

I'm only allowed to pay via the netbanking section directly.

I'm tired of using CRED, not adding any value. Please help me with this resort. I see lot of them mentioning of 1% cashback with bill desk of HDFC, which doesn't seem to have support for its own card!

how can i add money to wallet and transfer it to bank account except Amazon?

Tried paying hdfc cc using SBI unipay, 100 sucess 1k success, thought will do rest 30k in 1 shot and failed. Total BS website just same as SBI. Dont know when refund will be processed + still need to pay 30k bill. Touched SBI after long time and its still just waste, if txn fails reverse in 48hrs(everyone is able to do why not SBI)?

What is the maximum bill amount we can pay through sbi unipay. 
I tried 1,67,000 and payment was successful even on the sbi transaction page but next page it showed some error like amount exceeded !!

also, how much time it would take to refund the amount ?

@abhishek012 bhai or others, please help, I loaded 40k into Apay wallet using millenia debit card (since paytm wallet gone), now how can I use the Apay balance to pay a HDFC credit card. Thanks in advance  

How to track if HDFC millennia dc giving cashback on paying cc bill.

Any other possibilities apart from SBIunipay? For RBL signature+