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/9595693
I have RBL Pinnacle Debit card. Will it be beneficial for CC Payments.
https://www.desidime.com/comments/permalink/9630995
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.
https://www.desidime.com/comments/permalink/9658182
can we pay via slice card? for 1% cb
https://www.desidime.com/comments/permalink/9660563
I read it still working. Search Abhishek012 posts
View 2
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https://www.desidime.com/comments/permalink/9660339
What about RBL Go debit card
Any option to get rewards for credit card payment
https://www.desidime.com/comments/permalink/9662189
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.
-_-
As mentioned above, I have uploaded money to Amazon wallet, but while paying credit card bill through Amazon app using Amazon UPI, I am not getting option to pay through wallet. Please help me , how can I use loaded wallet money to pay credit card bill.
https://www.desidime.com/comments/permalink/9662263
Use credit card upi id. Or else trf back to bank and get cb. Pay separately.
https://www.desidime.com/comments/permalink/9662306
Thanks for your suggestion bro. It helps me.
https://www.desidime.com/comments/permalink/9668428
Any best way to pay One card credit card bill???
https://www.desidime.com/comments/permalink/9701873
Holding hdfc easyshop platinum DC, but while doing the payment for ICICI Apay CC from hdfc mobile app(bill pay section) the transaction is failing.
https://www.desidime.com/comments/permalink/9704129
Idfc debit card with freecharge is working? I heard in a different website , that some txns get points some don't. Any idea, what is the merchant name to get points?
https://www.desidime.com/comments/permalink/9704812
For idfc dc use uco bbps website. Freecharge not working anymore
View 1
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https://www.desidime.com/comments/permalink/9707820
@Sachin9811 Did you mean cred or cheq in mc variant of indusind debit card as one letter correction can either of them ? Thanks
) 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.
https://www.desidime.com/comments/permalink/9707915
Its right. So cheq works for mc
View 7
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https://www.desidime.com/comments/permalink/9710131
Will Indus visa signature Debit card(select account) give reward points on paytm?
https://www.desidime.com/comments/permalink/9718860
Do IDFC debit card works for other than freecharge such as mobikwik? Also, whether adding money to amazon or paytm wallet counted to achieve threshold of 20k to achieve 1.8% rewards? And if there is any fee for redemption of rewards?
https://www.desidime.com/comments/permalink/9733853
How to get rbl s+ dc ? Is it available with basic savings a/c ?
https://www.desidime.com/comments/permalink/9735794
I want to open a/c.
Amb for rbl basic savings a/c ?
View 3
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https://www.desidime.com/comments/permalink/9736384
Idk now idfc is giving r not. For womens 1st savings account, there is an offerr. Spend 10k using dc and get 500 monthly. So load in paytm wallet, pay cc bill
https://www.desidime.com/comments/permalink/9740214
@I_AM_5RAV5 when you open RBL digital account, make sure you do vKYC from aadhar address so location can match with aadhar address otherwise there are good chances for account freeze. I would suggest to avoid digital account rather visit branch and open offline account. There is 2.5k MAB classic account available in RBL but they don't open it easily unless force them to. Try via twitter and see if you can open classic account?
https://www.desidime.com/comments/permalink/9741620
Is the problem with bob world app solved now?
https://www.desidime.com/comments/permalink/9758457
In rbl welcome kit, they mentioned that customer will get 2500 discount vouchers in 30 days
Anybody have any idea about this?
Which vouchers we get?
What r d benefits of classic visa dc?
https://www.desidime.com/comments/permalink/9777218
Is Paying via cred using rbl s+ dc eligible for 1% ?
https://www.desidime.com/comments/permalink/9777558
I added money in az wallet using dc
Scanned local shop qr code and tried to pay using that balance
Txn failed
How to solve this?
https://www.desidime.com/comments/permalink/9777991
May be the merchant does not accept wallet.
But you can use az wallet by transferring to bank or to pay cc bill using cc upi id.
View 1
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https://www.desidime.com/comments/permalink/9793698
Az not allowing to add money using dc
Is there any limit to add every month?
https://www.desidime.com/comments/permalink/9793744
Mobikwik full kyc account ?
Load and transfer to bank free of cost.
Load and transfer to bank free of cost.
View 3
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https://www.desidime.com/comments/permalink/9805573
Did u receive 1k voucher from rbl for last month spend ?
Until now i didn't receive
When will they send every month for previous month spends ?
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https://www.desidime.com/comments/permalink/9812228
does Millenia DC give 1% cashback if credit card bill paid through HDFC billpay portal?
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https://www.desidime.com/comments/permalink/9812417
RBL signature+, works on park+ also ?
https://www.desidime.com/comments/permalink/9829456
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.
What is 500 fees ?
https://www.desidime.com/comments/permalink/9830012
Issuance / annual debit card fees
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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.