CC Bill Payment Via UPI Send Money.
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Eversince paytm started restricing the CC bill payment I started discovering other instant ways to pay CC bill.
So recently I discovered a way to pay credit card bill directly via upi send money, just like we do send money to anyone by entering upi vpa id.
Basically there is a unique UPI VPA on which is mapped to your credit card. This unique UPI VPA is managed by the credit card bank only. And if you send money to this UPI id bank will automatically adjust as payment towards your CC.
Currently I could only find for ICICI & Axis banks only, will add more banks.
- To pay ICICI Bank Credit Card bill simply send money : CCPAY.<16_digit_card_number>@ICICI eg: CCPAY.6528550026779009@ICICI
- To pay Axis Bank Credit Card bill simply send money : CC.91<registered_mobile_no><last_4_digit_of_cc>@AXISBANK eg: CC9198765432109876@AXISBANK
- SBI Card :
SBICARD.<16_digit_card_number>@SBI eg: SBICARD.4345667899079843@SBI - IDFC Bank : <16_digit_card_number>.CC@IDFCBANK eg: 4345667899079843.CC@IDFCBANK
- AU SFB : AUCC<registered_mobile_no><last_4_digit_of_cc>@AUBANK eg: AUCC9198765432109876@AUBANK
- American Express : AEBC<15_digit_card_number>@SC eg: AEBC375567788656743@SC
The best part is that its totally free, and instant, can pay from any UPI app and does not depend on card variants or network issued by bank.
Note : Verify the display name before sending money. And try to send 1 Rs. first to verify the whole process.
Note2 : This post is a genuine & legitimate way to pay CC bill thru your bank account via UPI. if any of UPI app is giving option to select RupayCC option then it is just bug which will be patched in near future.
- Sort By
Which app is taking rupay option for this vpa
rupay cc to normal is not legitimate.
Credit CardUPI ID Format
American ExpressAEBC<Your 15 digit card number starting with 37>@SC
AU Small Finance BankAUCC<Your 10 digit registered mobile number><last 4 digits of your Credit Card>@AUBANK
Axis BankCC.91<Your 10 digit registered mobile number><last 4 digits of your Credit Card>@axisbank
ICICI Bank<ccpay. your credit card number @ icici>
IDFC Bank<your 16-digit card number>.cc@idfcbank
State Bank of IndiaSbicard.<16 digits of your Credit Card number>@SBI
Thankyou. Its instant.🥰 Kissi Given
"Eversince paytm started restricing the CC bill payment" - What are talking about? I just paid in the first week of Sep'23.
On a related note, SBI lets you generate a QR code for paying CC bill. I have used that a couple of times when I used to get "Scan and Pay" cashback offers in Amazon Pay / Google Pay / PayTM UPI.
Where is the option to generate QR code in sbi card app?
@akki.akki bro, you discovered this thing so so so very late. If you go through the CC Bill Generated Email or the Bill Statement PDF, you'll find that it's mentioned there itself since last few years.
good to know that u already knew this.
Rbl ka kya hai 🤔
And bulket numbering needed for all cc upi
Payment par cb nahi milta and rwd point ka bhi pata nahi..
Jitna accha trick hai.. utne like nahi aa rahe bhai ko.. good job bro.. dimag me tha par click kiya post ke baad.
Useful when we have to make it immediate. But most of the time we try to benefit from CC bill payment too 
Any UPI IDs or NEFT details for onecard as well? Asking for a friend
I am getting rupay upi credit card option in phone pe/paytm when adding money in Fi app....can I add it?
Will there be charges later?
No charges..u can add Money do in limits only
Tried sbi, icici but showing invalid upi I'd in gpay, paytm
CCPAY.<16_digit_card_number>@ICICI
also it may not work on addon cc also.
do we have UPI for BOB card also?
Tata neu infinity cc working??
Please Find UPI VPA Id for HDFC, INDUSIND, KOTAK, FEDERAL Credit card also. 🙏🏻
please tell me the way to make cc bill payment with upi
i have these cards
1. icici
2. axis
3. bob
4. federal
5. idfc
6. indus
7. kotak
8. onecard
9. rbl
10.sbi
11.yesbank
12.aubank
13.standard chartered
14.hsbc
SBI Cards not working this way since last few months.
But pay CC bills from CC without charges is not genius when cc trnxs happen in bulk for payment probably vpn not accept cc upi😆
But @akki.akki you did a benignant search👏
But how will I pay the UPI using CC, eg. tata neu rupay cc via upi will not show up for almost all apps which I know off if I try to pay credit card bill.
I guess @akki.akki mentioned here the convenience of paying off cc bills using upi.
And you are thinking of paying CC using CC via loopholes which abhishek posted. Both are separate things.
@shubhampakhare