Latest working methods to pay credit card bill from debit cards

[sm9811911]

Most of you know the debit cards which are useful, but it’s difficult to keep track of which platforms to use, how to use because of devaluations/ limits.
I had written down current working methods for my personal use but thought of sharing with the community. Will appreciate any feedback. So here goes:

1) RBL signature plus dc: sbi unipay
1b) RBL Enterprise dc: sbi unipay
2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay
3)HDFC Millennia debit card: can be used to load Amazon/Mobikwik wallets for 1%. Can use hdfc bill pay or sbi unipay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay, HDFC Payzapp and Cheq(not working for most) for mastercard variant.
5) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi.
6) IDFC Debit cards: Pay cc bill using sbi unipay.
7) Axis Liberty dc : pay cc through sbi unipay for qtly voucher. Can use upi as well anywhere; no exclusions using upi. Bonus tip: Use axis gyftr portal / amazon to buy amazon gv from Liberty dc for weekend cashback.
8) Citi Priority on sbi unipay

SBI Unipay is working for most, some are reporting failures. Try with small amount first.

Update: Alternative to SBI unipay: ‘Airtel’ (2 merchant names, both work) and ‘Sriram one’ app (but they only have bbps cc). These all give 4900 (utility) mcc.

Update 2: P B R G and thomasjackson mentioned even Dhani Pay has utility MCC (so an alternative to SBI Unipay). Non-BBPS cc can be paid. But KYC required. (havent tried myself)

Update 3: Full details with calculations on rewards added here: https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-634404

Update 4: SBI dc rewards update from 1st May. Details here
https://www.technofino.in/community...-card-bill-from-debit-cards.25788/post-643329

Ongoing issues 1) : Some have reported idfc dc is blocked while account is active. You can complaint to idfc, it gets solved in 3-5 days.
2) Indus dc points are not regular, so will have to wait and still no guarantee that you will get the correct number of points.
3) mastercard dc not working for some users on sbi unipay.

AU bank and standard chartered bank dc: see here https://www.technofino.in/community/threads/best-debit-card-for-credit-card-bill-payment-2024.26178/

 

[lhgeek]

@sm9811911 what's the mcc on Airtel thanks for cc bill payment via debit card? Is it utility? Can this help with rewards on debit cards that give rewards on utility payments?

 

[sm9811911]

@sm9811911 what's the mcc on Airtel thanks for cc bill payment via debit card? Is it utility? Can this help with rewards on debit cards that give rewards on utility payments?

Yea it’s Utility. 4900.

 

[lhgeek]

Yea it’s Utility. 4900.

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

 

[sm9811911]

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

Yes, airtel should work for this offer.

Also thanks for sharing the offer details.

 

[shrewdoc]

Are you guys able to successfully Pay HDFC CC via SBI UniPay since last couple of days?

 

[lhgeek]

Are you guys able to successfully Pay HDFC CC via SBI UniPay since last couple of days?

I have paid . Waiting for it to be credited

 

[shrewdoc]

I have paid . Waiting for it to be credited

Are you paying directly (Quick Pay) or after logging in?

 

[lhgeek]

Are you paying directly (Quick Pay) or after logging in?

After logging in and used my debit card

 

[telescope]

some problem with hdfc billdesk billpay today? paid sbi cc bill but showing as pending. usually it is instant.

 

[Srikkanth]

how many vouchers can we redeem from first rewards portal. max 5 in single transaction with 99+gst?

 

[Honeydew]

Hey guys, I have to make hdfc cc payment of 3.5L due on 3rd of June, got Hdfc platinum DC and SBI normal DC.
1. Should I use Hdfc platinum DC on Sbi unipay or Sbi DC for bettervalue back?

2. Read about getting 2.5% back on cc payment using IDFC select DC, can I get idfc select DC immediately if opt to open the account?

 

[Anil_Singh]

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

I got this offer..

 

[sm9811911]

how many vouchers can we redeem from first rewards portal. max 5 in single transaction with 99+gst?

yes . .

 

[sm9811911]

Hey guys, I have to make hdfc cc payment of 3.5L due on 3rd of June, got Hdfc platinum DC and SBI normal DC.
1. Should I use Hdfc platinum DC on Sbi unipay or Sbi DC for bettervalue back?

2. Read about getting 2.5% back on cc payment using IDFC select DC, can I get idfc select DC immediately if opt to open the account?

1) hdfc
2) may get in a week but risky for 3rd due date. so get it if you have bills in future.

 

[P B R G]

I received a targeted offer on my au bank debit card.

Minimum 4 transactions, cumulative spends of ₹4000 or more and get ₹250 Amazon voucher.

Attached is tnc.

i am planning to pay kotak cc bill via airtel thanks 4 * ₹1000 with my au bank debit card

Offer Title: Get INR 250 Amazon Voucher
Get INR 250 Amazon Voucher on shopping using AU Debit Card
• Minimum spends: Rs. 4,000
• Minimum transactions: 4
• Valid on cumulative spends of Rs 4,000 or more across 4 or more transactions.
• Eligible customers will get their Amazon Voucher within 60 days after the end of offer period.
• Offer can be availed once per card during the offer period.
• Offer Period: 1
st May 2024 - 31st May 2024
• Offer is valid on Ecom and POS transaction.
Note:
• ATM Cash Withdrawals, Reversed Transactions, Insurance & Financial Investment, Credit Card
payment, Fuel, Wallet funding/loading transactions shall not be considered for this offer.

250 AGV is a good offer.

They are offering only 100 AGV to me on same spends with same t&c. So I might skip this.

ICICI gave a much better offer, 250 AGV on spends of 3k, which I have utilised.

Btw there is another CC bill pay platform which supports DC. But it has only BBPS billers. Need to verify the MCC though.

 

[Anil_Singh]

250 AGV is a good offer.

They are offering only 100 AGV to me on same spends with same t&c. So I might skip this.

ICICI gave a much better offer, 250 AGV on spends of 3k, which I have utilised.

Btw there is another CC bill pay platform which supports DC. But it has only BBPS billers. Need to verify the MCC though.

If you use the card for bill payment (utility mcc) then you will get 100 whereas if you use any other debit card then at max you will get 40. Am I missing something?

 

[lhgeek]

250 AGV is a good offer.

They are offering only 100 AGV to me on same spends with same t&c. So I might skip this.

ICICI gave a much better offer, 250 AGV on spends of 3k, which I have utilised.

Btw there is another CC bill pay platform which supports DC. But it has only BBPS billers. Need to verify the MCC though.

Which cc bill pay is this?

 

[Phonix_YT]

Can I pay HDFC Credit card bill payment using unipay? Since HDFC cc bill payment was having the most failure in SBI unipay portal. So is it resolved or same as hit or miss thing?

 

[shivakrishna987]

Received rp for ind visa they have credited total points

 

[pinki]

Received rp for ind visa they have credited total points

Still not received