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Best Way to pay Credit Card Bill

kushal

TF Select
VIP Lounge
Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments.
 
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Getting error as 'Invalid biller id' when paying Indus CC bill on HDFC bill pay. I paid in last month also. Now the card is missing which I added before as biller. Even if I add new, it shows same error. Anyone facing this?
Indusind cc moved to bbps. So, cannot use hdfc bill pay now.
 
HDFC:
Most of us know that the best way to pay Bills for the Credit Card is the HDFC Bill Pay Portal, it allows us 1% reward rate for max 750 per month.
A person has to use the HDFC Bill pay portal via Netbanking/Mobile Banking for the same. (Using Easyshop Platinum Debit Card)

IndusInd:
The second best way is premium Indusind Debit Cards, i.e., Select/Exclusive Debit Card, it offers upto 0.93% reward rate and could be beneficial for those who frequently exhaust the HDFC limit,
Note: Paytm does not accept the mastercard variant of these cards, so in my experience Mobikwik does and gives the reward. For Visa Variant, paytm would work.
Unlike HDFC, Indusind offers incremental rewards for Credit Card payment, the rewards you get are (Brackets for total monthly spend):

Spend 5k - 0.35% - Rs 17
Spend 10k - 0.43% - Rs 43
Spend 20k - 0.56% - Rs 112
Spend 30k - 0.67% - Rs 201
Spend 40k - 0.72% - Rs 288
Spend 50k - 0.78% - Rs 390
Spend 60k - 0.83% - Rs 500
Spend 80k - 0.88% - Rs 704
Spend 100k - 0.92% - Rs 920
Spend 112.5k (Max) - 0.93% - Rs 1050
Here the max limit for Cashback is Rs 1050 a month as a person can get max 3000 reward points (1 RP= Rs 0.35)
Does above limit for Indusind card is per card or per account? Asking as getting multiple DCs with Indusind is easier.
 
So, what's the benefit of using Cheq over Paytm/mobikwik for cc bill payment? I see we get some Cheq chips(how much?), are those really worth it anything or just like cred coins. Also, is there any extra charge on cc bill payment via Cheq and does it support both visa and Mastercard debit card for payment.
 
So, what's the benefit of using Cheq over Paytm/mobikwik for cc bill payment? I see we get some Cheq chips(how much?), are those really worth it anything or just like cred coins. Also, is there any extra charge on cc bill payment via Cheq and does it support both visa and Mastercard debit card for payment.
For me I use appl like Cred / cheq only if I need instant credit of payment to credit card (payment closer / post due date). Part from this no other benefits from these apps - especially CRED.
 
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