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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 Subedar Deal Subedar
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I am getting a pop up telling "No bill available"
How do we bypass this??

Deal Cadet Deal Cadet
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Did anyone try with paytm?

Deal Lieutenant Deal Lieutenant
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Paytm charges extra 2-4 % on cc + wallet transaction + limit.... So no use 

View 4 more replies
Deal Newbie Deal Newbie
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My transaction is showing success on the IDFC portal. But I haven't received the  amount on my SBI Card. One strange thing is that when I checked the payment receipt there was no transaction Id.

Did anyone else face this issue and also did anyone receive their refund for the failed transactions?

Finance Mentor Finance Mentor
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If transaction is showing success, login your sbi card account and check.
View 2 more replies
Wingman Wingman
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My transaction got timeout and payment got deducted from my ola money and idea what to do now ?

Deal Subedar Deal Subedar
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Yep. Not opening now.
Deal Cadet Deal Cadet
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yes not opening

Deal Captain Deal Captain
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pls let me know once website is working again

Finance Mentor Finance Mentor
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Kuch din ruk jata hu phir next loot ka share karunga. 😀
View 5 more replies
Benevolent Benevolent
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Pata nahi IDFC team 2 days se kya kar rahi thi 😂🤣 Abhi statement dekhegi sab transactions ke to hosh ud jaayega 😁😝

Helpful Helpful
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This was IDFC's real Khushiyan offer.

Deal Cadet Deal Cadet
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Site not working now

Crowdpuller Crowdpuller
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Paid kotak 10rs, sucess, paid 95 for sbi not credited yet

Deal Subedar Deal Subedar
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Yaar ye bhi baand kra Diya 😄

Yhi chalta rha to koi bhi payu gateway use hi nhi krega 😂😂😂

kahe misuse krte ho Bhaiyon itna😳

Helpful Helpful
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Is the link opening? I think party over.

Deal Cadet Deal Cadet
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not opening now.

Deal Cadet Deal Cadet
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worked for me👍👍
Deal Newbie Deal Newbie
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I have payed 4801 in kotak 2 days back - It got timeout. Will I get the refund automatically. I don’t have transaction reference Id as well.
Deal Subedar Deal Subedar
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You can track all the payu trnx from payu website by entering your mobile number 

Deal Newbie Deal Newbie
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Site down?

Deal Cadet Deal Cadet
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since yesterday...

Deal Cadet Deal Cadet
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please give other alternative to this offer.. I have sbi dues on 23 oct.
Generous Generous
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Seems gone sob

Deal Cadet Deal Cadet
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should we raise a ticket?
it is showing transaction successful in Payu, but showed failed in IDFC portal and amount not credited in credit card
View 3 more replies
Pro Entertainer Pro Entertainer
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SBI Deactivated my card for 20K advance payment. Called customer care, they speaking BS, asking me to email with Aadhar Card photo, Signature in White Paper, Photo and what not! Did the advance payment thinking will use it this month for upcoming spends but they have other plans it seems. Bunch of jokers!

Dear SBI Cardholder, your card has been blocked due to suspected activity. To activate, please call us at 18601801295/18601801290.

Finance Mentor Finance Mentor
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Was your SBI Card e-KYC pending ?

When you login sbi card account, under kyc section showing pending.

View 28 more replies
Deal Newbie Deal Newbie
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Mera hi card hey jo block hua tha.

Jo aap sab Khote hue dusre forum mei jaa rahe ho.

Sad but it's True.

Deal Newbie Deal Newbie
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They are now Reversing the payment

Deal Lieutenant Deal Lieutenant
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Konsa forum?

Deal Newbie Deal Newbie
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What is the option if money got stuck

Deal Newbie Deal Newbie
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My card is also blocked - DM me also please.

Deal Subedar Deal Subedar
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idfc showing txn failed but on payu it is successful can anyone share idfc bbps customer support email or no.

Deal Cadet Deal Cadet
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My sbi card also blocked bro sweat

Post Tycoon Post Tycoon
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seems I am way too late to Party,.....BBPS page is down

Matlab khatam by bye tata ??

replyuser
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