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).
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.
Hasta la vista.
Finance
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.
They blocked stating suspicious merchant transaction at parkplus (fastag loading paytm wallet thru sbi cc since past 1 month)
😕
ati sarbatra barjayet guys.
Guys those who have paid using this loophole and already credited to kotak cc kindly check your statements it's getting reversed..... My payment of 400+ (which was the billed amount) although got credited on 19th oct now reversed and now my outstanding is showing as due.... Although very small amount but my due date is today and paid it immediately but if I have seen this post 3 days it would be like charges + reporting etc... Kindly check.. This has happened with 3 of my friends too... BE CAUTIOUS
Check our outstanding carefully. It will be -ve. Which means overpaid.
Check credit limit. If it is full, all good.
I don't see any reversals.
That's a drastically aggressive step but imagine if bank do the same even for those who don't wish to and future credit consequences for them is the worst that can happen... I may be a scare crow as I have seen three people with the reversed on kotak.. But hope it just is a technical bbps reversal ... Just wanted everyone to be cautious as billing dates breached with fine and reporting may add further implications... Sorry for being scare crow but intention is to make people aware
Dar ka mahol hai gets real
Could anyone tell me just one thing?
Whose accounts are getting blocked/transections getting reversed ? For those who have paid excess amount to their card ?
Not even single rupee paid in excess but reversed after 3 days..... Is my friends and my experience.... It's with kotak.... And sbi is the excess paid issue... I don't have any experience on that
Mere ko to dhak dhak horela hai. Mai to 60k-70k pay kar chuka hu to Kotak CC. But not excess. It was unbilled amount. The current outstanding is 0. Nothing reversed yet. Most transactions settled on 18th. 4k on 19th. No reversal yet.
Same scene no excess payment... But reversed both on 18th for my friends and 19th transaction for me
If you're saying that it was past due date unbilled transaction payment then also one of my friend has same issue and his reversed is only showing under settled transaction not under outstanding or credit limit
It's stopped working long ago
And it's not advisable to use even if it's start working
Refund for failed transaction? How did they get ur savings account details?
But some people are posting transactions of 23 rd oct also...
No idea then
Is trick se fayda Kam loss jyda hua . Sbi block hai abtak.. pata nahi unblock hoga ya nahi.. and in sab ke bich freecharge ne bhi entry mar Li.. bol Raha due to security reason acc temp block.. but it can't be unlocked further . To yr temp block kyo.. permanently likh deta.. aur kisi ka hua kya freecharge issue?
Kitne ka transections kra tha freecharge se?
did anyone received refund?
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.
phonepe blocked my account some months ago
just for rotating phonpe giftcard to bank via phonepe merchant for just 100 rupees and the thing is, it was first transaction i did, and they blocked both phonpe merchant and phonepe..
mailed them several times and contacted them via different means, but no help
account is still blocked.
phonpe and phonepe merchant both blocked permanently and even i can't even sign in to different no in phonepe in that smartphone.
Site under maintenance
it's been 7 days, still not received any refund. Did anyone receive?
Anybody sbi got unblocked?
Raised unblock request today. Due date is 2nd November 😂
Same here
Dear SBI Cardholder, your request (SR no. 135294189xxxx) regarding reactivation of your card has been initiated. You may expect a confirmation on the same by Date (2/11/2023 12:00:00 AM).
Earlier it was instant unblocking using this number . This time they asked 1 week 😂
Same here .
new topic banao.. consequences of wallet tric.. kisi lagi kiski bachi, 
any update on the refund?
Hii
Still my sbi card is blocked I use only for receiving money .... And today 15 days still card block.. plz suggest me . I raise a request on customer care service request number but still card sbi cashback block. Plz suggest....
Should i try this.... payment of 1L coming up
What’s the benefit by doing this trick? Is there any benefit by paying through wallet like Ola wallet?
Now not working but you missed Adventure of money being stuck and Card blocking. 
Anyone got the refund for timeout transaction?
I did not get yet. raised dispute transaction with the remittance bank which is hdfc and mailed the complaint to idfc as well. no response from both.
Did you raise complaint?
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.