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Pay Credit Card bill via Wallet trick (try at your own risk)

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Finance Mentor
abhishek012
Pay Credit Card bill via Wallet trick (try at your own risk):

Yesterday, someone posted this trick (first read here) - https://www.desidime.com/discussions/help-idf...ps

I tried this website - https://bbps.idfcban...t/

but i use "other bank net banking & debit cards" option and paid through my phonepe cashback/gift card and successfully credited in my kotak bank credit cards.

However, i tried "Credit Card" option but same like him, my bill payment failed and money stuck.

Here is the step -

enter customer details and bill details -

CC biller name type first 3 digit like "SBI", "FEDERAL", "KOTAK" and "BOB"

ccbill

After bill fetch, "Tick mark" base bill amount option

Now edit total amount and type "Rs1" for first time.

Now Most important - Payment mode choose "other bank net banking & debit cards" option

Dnt choose "Credit Card" option, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.

ccbill1

Next payu gateway page open and here UPI, Bharat QR, debit card and Wallet option available on payu page

ccwallet

Personally i paid Rs1 and Rs74 through by Phonepe cashback/gift card balance and successfully paid.

However, my Kotak credit card bill payment amount showing in kotak app after 6-8hrs (maybe because i use night time).

Updated - Just now I paid through Pineperks RuPay Prepaid gift card via phonepe wallet gateway and working perfectly.

I recommended try Rs1 credit card bill payment and dnt use higher amount.

--------------------------------------------------------------------------------------------------------------------------------

Updated - Many people also tried Freecharge wallet balance and Ola Wallet balance and successfully paid to Kotak CC bill and SBI Card bill.

But First time try with Rs1, if everything working perfectly then 2nd time try Rs100 and then try higher amount but try at your own risk.

I remind you again, Dnt choose "Credit Card" option on IDFC BBPS page payment mode, I repeat dnt choose Credit Card option otherwise you bill payment will get failed and money stuck.

Updated - Dnt pay more than 10k on Ola gateway, use multiples of 10k on ola gateway.

Hasta la vista.

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.

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Top Comments
Deal Subedar Deal Subedar
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Can anyone confirm which cards give rewards/cashback for this trick except sbi cashback cc on ola wallet?

Benevolent Benevolent
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Here is the mcc.

Phonepe com - 4814

www OLACABS com - 4121

Ola money zipcash - 4900

Freecharge - 4900 (not sure on this)

Now check ur card terms and decide. Won't comment on individual card.

Deal Subedar Deal Subedar
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@Sidhi.Baat.No.Bakwas hmm we did bill payments much more than the actual bill value, they just need to confirm if any fraud money was used for paying bills. This was being done by scammers, so they just need to confirm that.
Further, if they ask us we can say that bill was paid because of the festive season spending. Nothing wrong or suspicious here.
So nothing to worry it should be unblocked , just new security precautions adopted by banks.
Benevolent Benevolent
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@Maverick05

Don't say banks😡. It's always SBI. They have blocked my card probably 100+ times in last one year. 

Whoever designed their fraud detection system, must be some guy, who never use any debit/credit card or netbanking and relies on atm cash😅 and thinks online means scam. Such a broken system.

Other banks, first call and ask if u did transaction or not and then block (actually they don't as u already confirmed it). But sbi doesn't care about cardholders. They don't unblock even after telling them that I have done the transaction. 

I just don't understand the logic here. Won't a cardholder be liable to pay, if any fraud transaction happens and he doesn't report it immediately. Why SBI needs to block any transaction or card, when cardholder hasn't complaint?

I raised this even with rbi Ombudsman earlier in February. They gave same stupid reasons and closed complaint. If more people complaint, then something might happen.


Pro Entertainer Pro Entertainer
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This thread is taking on a negative tone. Folks, let's refrain from panicking or using terms like "fraudulent." Such words are typically reserved for situations involving stolen cards or illegal activities like hawala payments. Exploring tricks and loopholes to get some cashback on CC payments doesn't constitute fraudulent activity. Let's apply some common sense and avoid over-reading the MITC. Even banks sometimes fail to fully comply with RBI regulations, leading to fines, but that doesn't imply they engage in fraudulent activities.

The primary reason for these issues could be attributed to IDFC. They are a Chindi bank, and they are known for their inability to handle even minor financial losses(even 1 re), If you all remember the frequent changes to their terms and conditions during their DC reward points program. Also, they have the audacity to compare their shitty credit cards with Infinia on their website and engage in trolling other banks on Twitter.

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Deal Lieutenant Deal Lieutenant
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Pine perk works ?

Where to buy pineperk

Helpful Helpful
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Its says Please Select Valid Amount Combination if i try to pay less amount than my sbi credit card bill 😒

View 11 more replies
Deal Newbie Deal Newbie
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Getting merchant name as ola money via  RBL play credit card, it will count as wallet? 

Finance Mentor Finance Mentor
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I think Utility but not sure.

Note - w.e.f. October 09, 2023Qualifying purchase value for the monthly benefit shall be exclusive of all transactions made on petrol (9752, 5541, 5983, 5172, 5542), rental (6513), wallet (6540), insurance (6300, 5960), utilities (4900) and government services (9399, 9402, 9405).

RBL Play Credit Card - https://www.rblbank.com/personal-banking/cards/...

Deal Newbie Deal Newbie
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Ye trick aaj band ho jayega arindam video dalne wala hai

Deal Cadet Deal Cadet
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Does it not support HDFC CC?

Deal Subedar Deal Subedar
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Can we pay for ICICI credit card? I can't see ICICI credit card.

Deal Cadet Deal Cadet
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@abhishek012

Paid successfully 60k (6*10k) using ola wallet, same number.

But 7th time also went fine from ola, but cc payment failed. Not sure if it will be reversed.

Finance Mentor Finance Mentor
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Ok, SBI card bill paid ? i think there also some limit on same card bill repayment from banks.

You already paid 6 times from same sources.
View 5 more replies
Benevolent Benevolent
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Done for the day. Rotated about 1L in total 🤣.


Helpful Helpful
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Dimer Attack ( CC bill payment not working )

We are sorry, but the page you were trying to access has behaved in an unexpected manner.

Edit: my mistake, was entering wrong info

Deal Subedar Deal Subedar
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Try again it's working just paid 10k

Generous Generous
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Say bill paid .. Bob had bill. Even sbi say same now

Deal Cadet Deal Cadet
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The transaction of 2k got time out for me. Do we need to follow up or will we get a refund automatically ?

Helpful Helpful
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anyway to pay HDFC CC bill?

Deal Cadet Deal Cadet
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anyone got their refund for failed transactions? if yes, in how many hours/ days

Benevolent Benevolent
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How much can we do through Phonepe ? Anyone can tell limits ?

Benevolent Benevolent
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How much time does it take to credit amount in Kotak CC account ?

Deal Subedar Deal Subedar
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Instant

Pro Entertainer Pro Entertainer
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Can we transfer excess credit from Kotak card to Bank easily? Or they transfer it to the source only.

Deal Subedar Deal Subedar
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How To Get Olacabs At Payment Page, Any Trick?

Benevolent Benevolent
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3e18832c59daa0deb0f1a7a94379ee6b

Me to @abhishek012 bhai after successfully rotating 1 lakh! 

Finance Mentor Finance Mentor
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Jaldi se yeh loot ko barbad kar k khatam karo. Next loot ki taiyari kar raha hu.

Kya pata UPSC exam me bhi aa jaye. 😀

Note - Faltu k PM maat karna mai nahi bataunga abhi. Yeh loot khatam ho jaye phir aram se next loot bataunga, sab sath mil kar lootenge. Maine bhi jada use nahi kiya.

View 1 more reply
Deal Subedar Deal Subedar
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@abhishek012 Bhai BOB ki bill fetch nhi kr rha h, kl muzhe lga ki bill generate hua h just abhi is liye nhi ho rha but Aaj bhi nhi ho rha baaki sare BBPS me fetch kr rha 

Tum bhi isse face kr rhe ya keval mere me hi ye issue hai?

Generous Generous
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Bob ka bill fetch nhi ho rha

View 1 more reply
Benevolent Benevolent
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Axis Kiwi is giving 2% instant cashback 😝

Deal Subedar Deal Subedar
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Will we get 1% CB on HDFC Platinum DC using this method?

Deal Cadet Deal Cadet
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@abhishek012   HDFC , AXIS ,HSBC  cards are not listed bro sad

Deal Cadet Deal Cadet
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Ola money showing incorrect otp since today morning, tried almost 10 times, anyone else facing this?

Deal Subedar Deal Subedar
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When ola limit exhausted it shows same error 

View 4 more replies
Deal Lieutenant Deal Lieutenant
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How to full kyc on Ola wallet ?

Deal Cadet Deal Cadet
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No ways for now.
Sent email to Ola Team received response as -

Please be informed that in order to increase your monthly OlaMoney wallet limit full KYC is mandatory. However, currently, we do not have the option to complete the full KYC for the OlaMoney wallet. Please be assured that we are working on an alternative KYC verification process and it will be accessible to our customers very soon. We shall keep you posted once it's implemented for practice.
View 8 more replies
Deal Subedar Deal Subedar
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Freecharge Gateway par "WWW FREECHARGE IN" Aara, Ispe SBI 5% Cashback Milega ya na?

Generous Generous
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Not working

Deal Subedar Deal Subedar
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Working, Just Now Made One Payment

View 6 more replies
Deal Cadet Deal Cadet
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Shall we pay bill for HDFC credit card?

Deal Cadet Deal Cadet
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not available for hdfc cc
Like Magnet Like Magnet
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Looks like Phonepe isn't allowing to pay via CC now. Just checked with a fresh Phonepe account.

Finance Mentor Finance Mentor
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If your phonepe account is new then phonepe sometimes not allow to use credit cards.

Try any other phonepe old account.
Helpful Helpful
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while I attempted to use my Zingoy Rupay prepaid card through ola, amount debited and the transaction become unsuccessful. When can I expect the refund??

Deal Cadet Deal Cadet
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Getting no bill available now, does it automatically detect that payment has been made?

Finance Mentor Finance Mentor
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BOB ? Yes.

You can edit the bill and pay any amount, if you are allow to pay the bill.
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