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). 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. I am also facing the issue. Have complained to pno and rbi, waiting for solution (and maybe some reimbursement
).
2) Indus dc points have not been credited after 1st week of May. So we’ll have to wait. This has happened in the past as well but we got points. Rewards point are showing up in net banking but not in mobile app for some people but still not redeemable.
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/
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). 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. I am also facing the issue. Have complained to pno and rbi, waiting for solution (and maybe some reimbursement
).2) Indus dc points have not been credited after 1st week of May. So we’ll have to wait. This has happened in the past as well but we got points. Rewards point are showing up in net banking but not in mobile app for some people but still not redeemable.
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/
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