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 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’ and ‘Sriram one’ app (but they only have bbps cc)

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

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/

 

[sm9811911]

-Only for current accounts I guess:
With effect from May 01, 2024, Current Account Customers would get 1 % Monthly Cash Back as Vouchers (max upto INR 1,000) on minimum monthly spends of INR 25,000 on POS/Online Payments.

I have savings. I got the notification for 25k

 

[P B R G]

Another alternative platform for bill pay: Dhani Pay

Btw, PNB card is not listed anywhere in SBI Unipay or Dhani Pay. Any other alternative for PNB card with Utility MCC? I want to utilise the RBL DC since the amount is high. Can we use RBL DC in HDFC Bill pay?

 

[nivek]

Just wanted to appreciate @sm9811911 for creating a compilation!

 

[sm9811911]

Another alternative platform for bill pay: Dhani Pay

Btw, PNB card is not listed anywhere in SBI Unipay or Dhani Pay. Any other alternative for PNB card with Utility MCC? I want to utilise the RBL DC since the amount is high. Can we use RBL DC in HDFC Bill pay?

Thanks for sharing. Does dhani pay require any registration(apart from phone number) before making cc Bill payment?

Also, you cannot use any other dc on hdfc bill pay apart from hdfc. But will inform you if I get to know any alternative for rbl dc.

 

[thomasjackson]

Thanks for sharing. Does dhani pay require any registration(apart from phone number) before making cc Bill payment?

Also, you cannot use any other dc on hdfc bill pay apart from hdfc. But will inform you if I get to know any alternative for rbl dc.

Dhani pay requires Aadhar based ekyc before you attempt to use cc payment.

There are non bbps cards too but I wasn't able to pay using dc as it kept showing some error.

 

[sm9811911]

Dhani pay requires Aadhar based ekyc before you attempt to use cc payment.

There are non bbps cards too but I wasn't able to pay using dc as it kept showing some error.

Thanks for sharing. Good to know there are non-bbps cc available. I know some users have kyc already done due to past offers/tricks.

 

[thomasjackson]

Thanks for sharing. Good to know there are non-bbps cc available. I know some users have kyc already done due to past offers/tricks.

I cannot verify whether Dhani Pay has utility mcc or not. Payments are still not going through. (Throwing up an error saying that card payments are temporarily down)

Strangely it doesn't seem to accept MC debit cards (Tried IndusInd MC exclusive and SBI MC) says that the card number belongs to a credit card.

Indie visa signature debit card also returns the same error.

Hence I request @sm9811911 to kindly take Dhani Pay down from the OP till it is confirmed to be working

 

[sm9811911]

I cannot verify whether Dhani Pay has utility mcc or not. Payments are still not going through. (Throwing up an error saying that card payments are temporarily down)

Strangely it doesn't seem to accept MC debit cards (Tried IndusInd MC exclusive and SBI MC) says that the card number belongs to a credit card.

Indie visa signature debit card also returns the same error.

Hence I request @sm9811911 to kindly take Dhani Pay down from the OP till it is confirmed to be working

Dont worry, I have added disclaimer.

 

[0x5f3759df]

Just tried SBI Unipay for HDFC with RBL DC (MC). Money debited but transaction failed.

 

[It_is_Naruto]

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 wallets for 1%. Can use hdfc bill pay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq(not working for some mcc) 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.

Posting in public as more feedback is required on what’s working and what’s not for everyone’s benefit.

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

Update: Alternative to SBI unipay: Sriram one app (but only has bbps cc)

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)

good thread.... looking at it... I might have to get RBL or Indus DC soon

 

[sm9811911]

good thread.... looking at it... I might have to get RBL or Indus DC soon

Get idfc select if you don’t have idfc

 

[It_is_Naruto]

Get idfc select if you don’t have idfc

Thanks...I just noticed... I already have idfc wealth dc...
Will use it there

 

[sm9811911]

Thanks...I just noticed... I already have idfc wealth dc...
Will use it there

Also:

 

[It_is_Naruto]

Also:

This is super helpful... 👌

 

[jeevanreddy58]

Also:

but where are the options for Non BBPS billers other than mighty Unipay

 

[sm9811911]

but where are the options for Non BBPS billers other than mighty Unipay

Have to choose your poison either SBI Unipay or try dhanipay. Else wait for new options

 

[VibrantAnkur]

Thanks for this thread @sm9811911

Has anyone received points on Enterprise DC for the merchant, "DreamPlug Paytech Solu Bengal"? I did 2 transactions of 50k+ on it last month and still haven't received the points.

 

[Vasuki]

Also:

I did 55 ,65 etc ..no prob

 

[Ganeshraja]

Is s

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 wallets for 1%. Can use hdfc bill pay for 2.5%
4) indus visa signature, visa platinum and mastercard world : Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq(not working for some mcc) 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.

Posting in public as more feedback is required on what’s working and what’s not for everyone’s benefit.

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

Update: Alternative to SBI unipay: Sriram one app (but only has bbps cc)

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)

Is sbi unipay a utility mcc ?

 

[Abhishek012]

Is s

Is sbi unipay a utility mcc ?

Yes.

SBI Unipay, SRiram one app, Airtel app is Utility.

Dhanipay app also available for credit card bill pay but you need to complete full kyc (Wallet UPI also available).