Valid as on 17th Sep 2024.
1a) RBL signature + dc: Pay using sbi unipay. 1% cashback for cc bill payment upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L or more 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: Pay using sbi unipay. 5% cb on paying cc bills 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: Pay using 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: Pay using sbi unipay to get 2.5% cashback or load wallet (Amazon(full kyc req) or mobikwik) and then pay cc bill using wallet balance to get 1% cashback. Total combined 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 or SBI Unipay for visa variants. Sbi unipay or Payzapp for mastercard variant. Do note, these dc have incremental rewards, so if spend is 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 using sbi unipay or using cred through FI Upi. Pay 1.5k multiple times. Get 2% cashback. Max cashback of Rs30 per tranx. Rs.100 per day, 500 per month.
7) IDFC Debit cards: Pay 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: Pay using sbi unipay. For 60k spends in a calendar qtr, get 750 cashback. Bonus tip: spend 10k on gift edge/Amazon (incl gift voucher)/ FK during weekend and get 500Rs reward pm. Dc fees apply.
9) Other dc: Sbi physical dc 0.25% on all except account to wallet/account to account. Jupiter (1% upto Rs150 on sbi unipay; 2% using upi for select accounts). Union bank signature 1% unlimited. Standard Chartered Infinite Priority 1.25% unlimited vouchers on wallet/utility etc.
Alternative to SBI unipay: ‘Airtel’ (2 merchant names, both work), Canara bbps (also called Canara Setu) website, Navi app. They only support bbps cc bill payment. These give 4900 (utility) mcc.
Ongoing issues
SC: https://www.sc.com/in/credit-cards/payment-o...n/
(2) HDFC Billpay service has changed it's MCC, so avoid using that. Use Unipay instead.
(3) Indus dc points are not regular, so will have to wait and still no guarantee that you will get the points or correct number of points.
(4): Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.
(5) SBI Unipay does not allow to pay SBI CC bill when you are logged in for some users. So, dont login and you will be able to pay SBI CC bill.
Estimated timelines for rewards:
- RBL Signature + and EDC: rewards are provided over email / sms next month (around 20th-25th)
- HDFC Plat DC: rewards are posted within 2-10 working days.
- HDFC Millenia DC: rewards are posted after 3 months.
- Indus visa signature, visa platinum and mastercard world: rewards are posted within 3-7 working days. Rewards are not 100% guaranteed.
- FI (infinity or salary variant): rewards are posted next month (around 5th - 10th).
- IDFC (all DC): rewards are posted usually within 2-20 working days. It may take longer sometimes.
- Axis Liberty DC: 750 qtly voucher is shared in the next month after qtr end (around 15th - 25th)
- SBI (all DC): rewards are posted within 10 working days.
Note: Except IDFC and Indus, remaining banks are fairly consistent with rewards. You can complaint with bank for non-posting of rewards after above timelines, but some banks give excuses (Indus in particular). Also, in rare cases, complaint can cause investigation into account which can result in account/rewards getting frozen (seen cases in IDFC).
Thanks to the users here who have helped with the details. Do tag me if there is anything to add/modify. Trying to make it easier for people to find info. Have also attached the above info in JPG, if you want to download and keep it handy.
Best way to pay SC credit card bill ? As it’s not accepted on sbi unipay & other portal .
if I pay directly on sc bill desk using idfc debit card do I get point ?
hdfc platinum card payment is working or not via sbi unipay
any one can confirm it
Working
How yo pay via Amazon wallet or gift card any way ?
Any way to earn rewards on normally paying with upi or some normal debit card, thanks
Where to get Billdesk QR code or how to pay on Billdesk website using Amazon pay?
@abhishek012 Bro any idea about this?
Please tell how to expend money thu credit card on rotation basis? Any trick.
How to pay credit card bill using Amazon pay using money loaded by Hdfc dc ?
Vu 
Method No. 5 is missing.
Deja vu.. every few month
Axis Liberty nahi hai mere pass.. its 0 balance? What is tand c.. i want open if online available
Either maintain MAB of 25k or spend genuinely 25k every month to make it zero balance.
Fantastic compilation
I have 10k stuck in onecard which has a limit of 2000 only.
Can anyone help me, suggest me a way to withdraw it ?
PAYZAPP + AULIT/SNAPDEAL BOB is best combo for me
How does it work, Iam not concerned about the rotation part but, snapdeal BOB has charges on loading in payzapp right?
Does axis priority debit card has any spend based rewards benefit?
How to get the RBL Signature card. I see they charge around 2k+GST for account opening
For all those thinking of indusind offer one needs a acc of EXCLUSIVE-SELECT acc with MAB requirements of 50k-1 LAKH if not by having a surrogate CC
If you fulfill above criteria then you have the dilemma of Getting the CB of 0.92% ( YES IT'S NOT 1% ) you have to spend above 90000 atleast in a month and mind you this is calender month and max cb is only for 112500 /card
Second thing there are lot of issues like their mobile banking doesn't load - if the amount is struck due to technical error etc they take thier own sweet time to refund despite complaining - and id you do a transaction for rewards in say last week of the month and points get credited in the next month you won't be eligible for rewards the next month due to monthly capping of points @ 2000/3000 per card.
Note if you don't maintain the required amb Or have a cc THEY CAN CHARGE YOUR DEBIT CARD FOR AROUND 5000 and EACH CARD HAS SEPERATE CHARGES
The points accumulation mechanism isn't trackable, And getting this details is a long drawn process
above all you get bonus spam calls from RM & call center
+1
What is SBI Unipay?
Website to pay bills
For anyone with Onecard, note that paying directly on the app with debit card option is now giving rewards (tried with Indus select dc).
Edit: Indus visa signature select
what is best way to pay 1.5 lakhs bill?
How much rewards idfc signature DC give on sbi unipay while paying hdfc cc bill - @Imperial_Penny @baludesi @Sachin9811 @longlivesonusood
I don't have idfc dc
paid cc bill via sbi unipay with hdfc platinum dc on day before yesterday and received reward points yesterday itself. this is the fastest to check mcc if anyone wants to without contacting customer care.
@Sachin9811 Regarding FI money ( infinity or salary variant): Pay using sbi unipay or using cred through FI Upi. Pay 1.5k multiple times. Get 2% cashback. Max cashback of Rs30 per tranx. Rs.100 per day, 500 per month.
when i choose Fi Upi in Cred, it is showing the federal savings account of Fi to pay with.
Will i be eligible for the 2% cashback if i choose the savings account within Fi Upi?
Anyone tried?
No you have to choose fi app as option
@Sachin9811 how to use Payzapp wallet balance to pay Non BBPS CC bill. I tried via Billdesk website UPI payment option for Standard Chartered CC but unable to use Payzapp wallet balance.
Use upi option in billdesk. Your payzapp upi should be working. Search payzapp wallet upi in desidime for details.
Itna raita maat failao 🥺
Great compilation. Which of those are redeemable as cash and agvs ?
5% I haven't got it anyway but 5% is subject to so. Many t& c but qtly is just p2m on any mode -upi-netbanking- debit card and has very clear t & c with minimal scope of exclusion.... That's where I told they're not even crediting that despite particular qtr having 1 lakh + spends on eligible categories (excluding wallet + utilities+cc payment+ fuel) & This is even POST PNO level failure leading to RBI OMBUDSMAN complaint -this for 2023 last quarter... Ie 9 month old issue still with ombudsman....
@DEEPANGEORGE
@kittueducation01958 @guest_999
kindly don't belive whatever is posted
For all those thinking of indusind offer one needs a acc of EXCLUSIVE-SELECT acc with MAB requirements of 50k-1 LAKH if not by having a surrogate CC
If you fulfill above criteria then you have the dilemma of Getting the CB of 0.92% ( YES IT'S NOT 1% ) you have to spend above 90000 atleast in a month and mind you this is calender month and max cb is only for 112500 /card
Second thing there are lot of issues like their mobile banking doesn't load - if the amount is struck due to technical error etc they take thier own sweet time to refund despite complaining - and id you do a transaction for rewards in say last week of the month and points get credited in the next month you won't be eligible for rewards the next month due to monthly capping of points @ 2000/3000 per card.
Note if you don't maintain the required amb Or have a cc THEY CAN CHARGE YOUR DEBIT CARD FOR AROUND 5000 and EACH CARD HAS SEPERATE CHARGES
The points accumulation mechanism isn't trackable, And getting this details is a long drawn process
above all you get bonus spam calls from RM & call center