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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 Cadet Deal Cadet
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My card got unblocked automatically without submitting anything

Cool Cool
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Same

View 2 more replies
Deal Newbie Deal Newbie
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BOB has raised my dispute for chargeback.They have mentioned a timeline of 45 days. Fingers crossed.


Benevolent Benevolent
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Is it relief finally? Or silence before a storm 😅.

Deal Subedar Deal Subedar
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relief, we did not do anything suspicious

Benevolent Benevolent
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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.

Benevolent Benevolent
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Wow as soon as I typed this comment I got re-activation email. Great. Just got unblocked for me.
View 3 more replies
Deal Cadet Deal Cadet
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is it still working ?
Deal Subedar Deal Subedar
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Mine too reactivated, no reversals on any of the cards.

Generous Generous
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Mere me limit hi nahi bacha tha.. reverse kaha se karte

Deal Lieutenant Deal Lieutenant
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Dear SBI Credit Cardholder, as per your request, token 1086 of your SBI Card ending XXXX has been de-activated.

Got this message in night. What does this mean?

Generous Generous
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Sbi card unblock ho Gaya.. par is freecharge ko itni charbi kyo chadhi hai.. why they can't limit transaction instead block acc.. pensive

Generous Generous
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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

Deal Lieutenant Deal Lieutenant
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Seen blocking, the reversal of payment then unblocking. Card Account mein Paisa waapis Dene ke alawaa sab kuch ho chuka hai

Deal Newbie Deal Newbie
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Any update on refund?
Helpful Helpful
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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..

https://payments.billdesk.com/ubp/BBPSCustome...in

Deal Cadet Deal Cadet
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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

Finance Mentor Finance Mentor
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One person receive refund after he complaint through Ola wallet -

Screenshot2023-10-28-14-11-32-37e307a3f9df9f380ebaf106e1dc980bb6

Deal Cadet Deal Cadet
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This has kindled some hope now. I have also raised issue with Ola today only.

View 8 more replies
Deal Cadet Deal Cadet
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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

Deal Cadet Deal Cadet
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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 pensive

Helpful Helpful
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@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

Deal Cadet Deal Cadet
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I didn't save the screenshot. but the page did not have the transaction number or any useful details.

View 6 more replies
Deal Cadet Deal Cadet
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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.

Deal Newbie Deal Newbie
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Is this site still working for you guys? It is not working for me for quite a Long time

Helpful Helpful
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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..

Helpful Helpful
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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.

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Deal Newbie Deal Newbie
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Anyone got refund?
Helpful Helpful
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I just wish........

Deal Lieutenant Deal Lieutenant
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ek naya app aya h for free cc to bank transfer: creditfree.in

soch smjh kr use krna sb

Crowdpuller Crowdpuller
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Money transfer to bank is not instant,

Have to wait for 30-40 mins

Did you try

View 3 more replies
Deal Newbie Deal Newbie
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How it's work ,tranfer charges.???

Talk-Of-The-Town Talk-Of-The-Town
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Still working?

Deal Cadet Deal Cadet
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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.

Deal Newbie Deal Newbie
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Mine is failed long back, unable to get the refund, bank is not supporting and the merchant also,what is the solution

Finance Mentor Finance Mentor
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Contact your Wallet or bank and apply chargeback.

Some users already got refund those who already applied for chargeback.
View 8 more replies
Helpful Helpful
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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

Deal Cadet Deal Cadet
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I've also raised chargeback with bob but still no refund. Anyone got refund from bob?

View 1 more reply
Finance Mentor Finance Mentor
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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. 😀😀

F-AbQs8aQAAbiyo

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