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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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They blocked stating suspicious merchant transaction at parkplus (fastag loading paytm wallet thru sbi cc since past 1 month)

😕

Deal Cadet Deal Cadet
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Parkplus cashback reversed?



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Investor Guru Investor Guru
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ati sarbatra barjayet guys. 

Deal Lieutenant Deal Lieutenant
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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

Benevolent Benevolent
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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.

View 12 more replies
Benevolent Benevolent
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If someone else's kotak or sbi payments get reversed, please update. At this point, I feel closing card is better option to avoid reversals 😅.

Deal Lieutenant Deal Lieutenant
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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 

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Deal Newbie Deal Newbie
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Please update if anyone gets the refund. And whom to contact for refund.
Generous Generous
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Dar ka mahol hai gets real

sob

Generous Generous
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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 ?

Deal Lieutenant Deal Lieutenant
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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 

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Benevolent Benevolent
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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. 

Deal Lieutenant Deal Lieutenant
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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 

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Like Magnet Like Magnet
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My Kotak statement got generated today. It's normal. No transaction was reversed. Is there any chance of reversal even after statement generation?

Benevolent Benevolent
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Hopefully not. Mine will be generated on 25th. Hope no reversal before that. 

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Deal Newbie Deal Newbie
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Link for the payment is not working, how you guys are able to make payment. Any new link pls share

Generous Generous
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It's stopped working long ago

And it's not advisable to use even if it's start working

Deal Cadet Deal Cadet
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I got refund to savings account

Benevolent Benevolent
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Refund for failed transaction? How did they get ur savings account details?

Deal Newbie Deal Newbie
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But some people are posting  transactions of 23 rd oct also...

Generous Generous
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No idea then

Generous Generous
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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?

Generous Generous
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Kitne ka transections kra tha freecharge se?

View 8 more replies
Deal Subedar Deal Subedar
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Rotating credit card balance like this can get you into trouble. Unless one is severely short of funds, advise not to do these sort of things for a paltry gain.

Deal Cadet Deal Cadet
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did anyone received refund?

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.

Deal Newbie Deal Newbie
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Couldn't agree more.....👌🏼
View 3 more replies
Helpful Helpful
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@jioanupt paid using which CC and via FC, Ola, etc?

Helpful Helpful
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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.

Deal Newbie Deal Newbie
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Site under maintenance 

Deal Cadet Deal Cadet
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it's been 7 days, still not received any refund. Did anyone receive?

Helpful Helpful
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Nope. Think we r gonna have some real trouble  getting the refund

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Deal Subedar Deal Subedar
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Anybody sbi got unblocked?

Commentator Commentator
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No till now
View 4 more replies
Helpful Helpful
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Raised unblock request today. Due date is 2nd November 😂

Deal Cadet Deal Cadet
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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).

Helpful Helpful
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Earlier it was instant unblocking using this number . This time they asked 1 week 😂

Deal Subedar Deal Subedar
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Same here .

Generous Generous
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new topic banao..  consequences of wallet tric.. kisi lagi kiski bachi, joy

Deal Cadet Deal Cadet
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any update on the refund?

Deal Newbie Deal Newbie
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Hii

Deal Newbie Deal Newbie
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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....

Talk-Of-The-Town Talk-Of-The-Town
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Should i try this.... payment of 1L coming up

Heart of Gold Heart of Gold
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Yes, of course, why not, go ahead bro, best of luck plus1 plus1 plus1

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Deal Cadet Deal Cadet
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What’s the benefit by doing this trick? Is there any benefit by paying through wallet like Ola wallet? 

Deal Subedar Deal Subedar
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Now not working but you missed Adventure of money being stuck and Card blocking. grinning

Deal Cadet Deal Cadet
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Anyone got the refund for timeout transaction?

Deal Cadet Deal Cadet
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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?

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