Pay Credit Card bill via Wallet trick (try at your own risk)
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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.
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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.
Hasta la vista.
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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.
BOB has raised my dispute for chargeback.They have mentioned a timeline of 45 days. Fingers crossed.
relief, we did not do anything suspicious
Mine is still blocked lol. Hopefully unblock ho jaaye. BTW what did you guys do to get it unblocked ? I called them and they took request few days ago with 30th October as the date I can expect confirmation.
Mine too reactivated, no reversals on any of the cards.
Mere me limit hi nahi bacha tha.. reverse kaha se karte
Sbi card unblock ho Gaya.. par is freecharge ko itni charbi kyo chadhi hai.. why they can't limit transaction instead block acc.. 
But still I want to know.. Aisa kya jurm kar Diya bill pay karke ki sare aag babula ho Gaye.. idhra block udhar block..jaha se payment Kiya tha wo site to fraud nahi? Maine to 1 lakh 70k extra kiya tha .. par dusra acc se to 20k hi Kiya tha 1 lakh abhi bhi pending hai. Mujhe to tension that ki acc unblock na Kiya to bill pay kaise karenge time par
i also raised chargeback request with bobcard..
to all the people, who complaining to idfc, don't do it, it won't help us..
it's the BBPS who will issue refund, so send complaints to bbps directly..
anyone able to check transactions history on bbps complaint portal, when i try to login it gives an error after entering otp..
we have to login to bbps complaint portal to register our complaint but its not opening..
thanks, I raised the complaint here
seems that one guys money was stuck from Sep 30, still no refund (just got to know this in another forum). IDFC clueless. Looks like we need to lower our hopes
One person receive refund after he complaint through Ola wallet -
raised charge back with hdfc. received response now. they said the transaction is successful from their end and the amount is successfully sent to the card account. they gave a token ID and asked to check with the merchant. if they give a dated document saying they didn't receive the money, hdfc will do the needful and go for next step. now raised a complaint with sbi
and as we didn't see bbps transaction ID on idfc portal, bill desk guys are saying they are unable to trace the transaction. really this is getting tougher 
@nagakiran @abhishek012 @Hundred_Dios Can u share error screenshot from payment page.
I raised dispute from AU bank whose credit card was charged and they're asking for error screenshot.
Billdesk is clueless of the transaction. THeir reply to my mail is this:
Greetings from BillDesk. This is with reference to your ticket number xxxxx regarding the status of payment towards INGFX MART PVT. LTD. We tried to locate the transaction with the details provided from your end, however, the transaction was not traceable with the information provided. May we request you to share the UPI transaction screenshot reflecting the BBPS id, Bill Desk id and UPI transaction id to enable us to assist you further and resolve your query at the earliest. Warm Regards, Prajakta Rajeshirke Customer Support BillDesk
I didn't save the screenshot. but the page did not have the transaction number or any useful details.
People worried about refund.
These things take 1-2 weeks so dont worry. Generally you will get refund automatically. But do raise dispute with each platform over email. If no refund after 2 weeks, then follow up.
Is this site still working for you guys? It is not working for me for quite a Long time
bbps billdesk is not helping a bit..
complaint to them several times, all they said is we can't find your transaction..
also raised chargeback with card bank and complaint to payu too
payu also raised chargeback request too..
anyone else raised chareback request with payu ? whats the update then ?
lets see what happens, well good thing is i didn't to many trasactions of big amount, only big amount was 4000 which is stuck now..
Mines 3500 stuck. Done from phonepe and payment was successful. Complained to phonepe they said "payment was successful and we sent successful msg to merchant idfc" but nothing doing about the chargeback/refund.
If I do cc chargeback am I gonna get the money back ? As to credit card merchant was phonepe which was successful.
I just wish........
ek naya app aya h for free cc to bank transfer: creditfree.in
soch smjh kr use krna sb
Money transfer to bank is not instant,
Have to wait for 30-40 mins
Did you try
How it's work ,tranfer charges.???
https://web.archive.org/web/20210304022058/http...
this is the archived page of the portal. It was there and functonlal since long time and it is not a fake website.
Still working?
anyone got the refund for failed transactions?
Saw one post in another forum that IDFC has given response that they will issue the refund in 5 days. The guy raised the complaint using PayU transaction ID.
Things are still on the positive side.
Mine is failed long back, unable to get the refund, bank is not supporting and the merchant also,what is the solution
Some users already got refund those who already applied for chargeback.
i raised chargedback with bob card, and raised complaint to payu too and yesterday mailed idfc nodal too..
payu closed the complaint as i already raised chargback with bobcard
idfc nodal told me to wait somedays while they check it..
lets see what happens
BBPS se credit card bill pay ka problem woh IDFC BBPS se start hua aur sab BBPS apps me problem karne laga.
Usdin shayad jabardast crore o k transaction hua hoga. Jiske chalte shayad pura investigation chal raha hoga. Koi new circular wagera issue hua hoga. Warna sab k sab BBPS se CC billpay apps like Payzapp, Coupl app, Ebixcash, Jiomart, HDFC BBPS billpay etc sab me sath me problem kyun karne laga hai. 😀😀
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.