https://www.desidime.com/comments/permalink/9646008
luckily i paid excess to kotak. hope they dont block 
Pay Credit Card bill via Wallet trick (try at your own risk)
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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"
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.
Next payu gateway page open and here UPI, Bharat QR, debit card and Wallet option available on payu page
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.
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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.
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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.
Deal Wiki
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Last updated by: abhishek012
Note - SBI Cashback Credit Card holders, merchant name - www olacabs com get 5% cashback, enter your SBI Cashback Credit Card details on Ola wallet gateway page.
Do multiples of 2k transactions on ola wallet, no charges. Updated - you can also do 10k transaction on ola and full kyc ola limit is 50k or 1 lakh or 2 lakh per month. Do multiples of 10k transactions.
Top Comments
https://www.desidime.com/comments/permalink/9646252
I am trying since 3 days but this URL never opens in my browser.
How are you guys doing it?
https://www.desidime.com/comments/permalink/9646263
Are bhai khatam ho gaya...
Logo ke card block ho gaye/ paise atak gaye
Ab sara discussion uspe chal raha is thread me
https://www.desidime.com/comments/permalink/9646439
Kisi ka card unblock hua kya? Adhaar, Pan maang rhe hai SBI wale. ?
https://www.desidime.com/comments/permalink/9646467
anyone can share the link in DM?
https://www.desidime.com/comments/permalink/9646512
SBI blocked mine also, said it will be unblocked after 10 days. 
https://www.desidime.com/comments/permalink/9647072
Are they asking all documents or just taking a request?
View 12
more replies
https://www.desidime.com/comments/permalink/9646531
what's in the link, can someone tell me also?? 
@shutapdiya
https://www.desidime.com/comments/permalink/9646544
same. pls share the link here or DM me. excited to know 
https://www.desidime.com/comments/permalink/9646548
any update on the refund for filed transactions? what should be the further course of action. it's been 3-4 days already since the transaction is done.
https://www.desidime.com/comments/permalink/9646762
Lol guys don't spam for links. It's just another forum like here, where people saying that account is blocked. Nothing more, nothing less.
1 guy mentioned about getting chargeback from idfc, but I doubt that, as none else mentioned that again.
Just call sbi customer care and ask for unblocking. Act like you don't know anything about why card is blocked. They will take request for unblocking or tell further steps and u wait for a week. That's it.
https://www.desidime.com/comments/permalink/9646777
Bohot sahi kaha bhai
Itna clearly likha tha ki dusre forum me bhi tandav hua hai...
Logo ko laga udhar bhi koi nayi trick
Har koi link mangne laga, maine comment hi delete kar diya fir
View 2
more replies
https://www.desidime.com/comments/permalink/9647076
Thanks for killing the goose. BTW, I paid both sbi and kotak but less than my unbilled. My cards are fine. Only one transaction for paytm wallet load of 4k timed out on bbps but successfully deducted from bank and biiled, for that i think i have to file a chargeback .
https://www.desidime.com/comments/permalink/9647133
the link in deal wiki is not working... is there any other link available that people are asking for it in DM? anyine can clarify?
https://www.desidime.com/comments/permalink/9647376
Whats the benefit of paying CC via Wallet? Do you add the money in wallet using some discount?
https://www.desidime.com/comments/permalink/9647528
Yes. People use same cc to load wallet or pay directly at 5% disount to pay same cc.
View 4
more replies
https://www.desidime.com/comments/permalink/9647382
Is this still working?
https://www.desidime.com/comments/permalink/9647413
Made payment less than the due amount still SBI card is blocked. Please share the link in PM
https://www.desidime.com/comments/permalink/9647560
Even my SBI cb cc is blocked today evening. I still have 94k outstanding, but even then it is blocked. So the reason for blocking doesn't seem to be excess payment. For all is it only SBI cb cc blocked or is there any other variant of SBI cc also blocked?
https://www.desidime.com/comments/permalink/9647578
what type of transaction u did?
did u pay using SBI cb card to SBI cb itself?
how much amount did u transact?
if we collate this info we will come to know the reason for blocking
did u pay using SBI cb card to SBI cb itself?
how much amount did u transact?
if we collate this info we will come to know the reason for blocking
View 7
more replies
https://www.desidime.com/comments/permalink/9648293
My money is debited but failed and not credited to credit card, almost 4 days over
Paid from phonepay
Any solution pls
https://www.desidime.com/comments/permalink/9648392
My account is also blocked. When I called ccare they told me to drop mail with attachment aadhar copy and letter written in white paper saying the transaction done by me only
https://www.desidime.com/comments/permalink/9648515
any update on the refund?
https://www.desidime.com/comments/permalink/9649094
Anyone got refund (for timeout transaction)
https://www.desidime.com/comments/permalink/9649616
Sunday and bank holidays me refund toh expect maat he karo.
View 1
more reply
https://www.desidime.com/comments/permalink/9650017
Mera to freecharge bhi block kar Diya.. isme to 1k 1k karke 5 transaction hinkiye the 2 3 din Tak..inko how to connect them
https://www.desidime.com/comments/permalink/9650868
For one txn i got successful message for sbi credit card payment but still the amount is not credited to card whether it will credit or it will get refund ?
https://www.desidime.com/comments/permalink/9650988
We request that you kindly contact your remitter bank to raise the dispute.
IDFC bank is saying this when I raised a complaint
https://www.desidime.com/comments/permalink/9651205
what should be the future course of action for getting refunds?
https://www.desidime.com/comments/permalink/9651182
I sent mail to sbi customer head for unblocking card. They asked me to clear outstanding and share income and kyc documents.
I told them to tell reason for same.
Why do they want me to clear outstanding before bill generation and why do they want my documents again, when I already shared it while applying for card. I told them if I don't find your reason satisfactory, I will not share anything and will escalate to RBI Ombudsman.
Let's see what they reply.
https://www.desidime.com/comments/permalink/9651546
Have you spent more than your income declared in current financial year ?
View 9
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Can anyone confirm which cards give rewards/cashback for this trick except sbi cashback cc on ola wallet?
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.
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.
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.
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.