(May, 2025) 5% SBI Cashback Credit Card to Bank/Credit Card bill pay at 1.5% to 2.5% Charges

[Abhishek012]

5% SBI Cashback Credit Card to Bank/Credit Card bill pay at 1.5% to 2.5% Charges:

Download Snapay app here - https://play.google.com/store/apps/details?id=com.akinfopark.snapay&hl=en&gl=US

Now signup and login, complete full kyc.

1) How to pay 5% SBI Cashback credit card to Bank/Credit card bill pay at 2.5% ?

Go to Utility bill payment and choose your bank or credit card number you saved instead of bank details.

Enter amount, Choose T+1 option on Snapay app

Payment mode choose "Wallet 2" -



Here you see Snapay will charge you 2.5% and proceed to pay -

Choose "Wallets" option here -

Choose "Phonepe" Wallet option and next page login your phonepe account, enter your 5% SBI cashback credit card details and go to card otp page.

Now here most important info -

If you get "PHONEPE PRIVATE LTD" merchant name then you will get 5% SBI cashback credit card

But if you get any other merchant name cancel the transaction and retry again and again.

Note - interestingly, everytime i got "PHONEPE PRIVATE LTD" merchant name.

MCC Code - 5399




2) How to pay 5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% ?

Go to Utility bill payment and choose your bank or credit card.

Enter amount, Choose "Same Day" option on Snapay app

Now if you have any Snapay wallet balance then you can use 50% of charges from your wallet and you need to pay only 1.52% conv fee, here see my screenshot -

How to earn Snapay wallet balance ?

Well, when you pay direct credit card bills on snapay app, you will get 1% Reward points.

you can redeem then Reward points on Snapay app and get 0.25% in Snapay wallet.

3) How to pay 5% SBI Cashback credit card to other Credit card bill or SBI card credit card bill ?​

You can enter your Credit card number and IFSC code instead of Bank account number and IFSC code and choose your Credit card number from your snappay app Utility bill payment option and pay.

Note - first time try Rs100 and check your credit card is supported bill payment through snapay utility bill pay option.

Here few banks credit card and IFSC code details but personally i am not verified with all banks credit cards yet.

Bank Name	Credit Card IFSC Code	Branch
Au Small Finance Bank	AUBL0CCARDS	Jaipur
Axis Bank	UTIB0000400	Mumbai
Bank of Baroda	BARB0COLABA	Mumbai
Bank of India	BKID0000101	Mumbai
Canara Bank	CNRB0001912	Bangalore
CITI Bank	CITI0000003	Chennai
Federal Bank	FDRL00CARDS	Kerala
HDFC Bank	HDFC0000128	Chennai
HSBC Bank	HSBC0400002	Mumbai
ICICI bank	ICIC0000103	Mumbai
IDBI BANK	IBKL0NEFT01	Mumbai
IDFC First Bank	IDFB0010225	Mumbai
IndusInd Bank	INDB0000018	Mumbai
Kotak Mahindra Bank	KKBK0000958	Mumbai
Punjab National Bank	PUNB0112000	New Delhi
RBL Bank	RATN0CRCARD	Mumbai
State Bank of India	SBIN00CARDS	Mumbai
Syndicate Bank	SYNB0002915	Bangalore
Union Bank of India	UBIN0580104	Mumbai
Yes Bank	YESB0CMSNOC	Mumbai

 

[pinki]

@Abhishek012 and other regular users.

Option1 - 2.5% +GST right? = 2.96% ?

Option2 - 1.5%+GST = 1.77%?
If we pay charges from wallet? In that case can we load some amount in the wallet first using other methods? Then use wallet amount to pay charges?

2.96% is not worth the risk but 1.77% is. Any other ways to reduce the charges like u said 0.25% return in wallet while paying to cc.

2.5 and 1.5 are inclusive of gst

 

[La pasión]

Kya abhishek bhai mai tf army mai nahi hun.(Dil sai bura lagta h bhai)

 

[Abhishek012]

@Abhishek012 and other regular users.

Option1 - 2.5% +GST right? = 2.96% ?

Option2 - 1.5%+GST = 1.77%?
If we pay charges from wallet? In that case can we load some amount in the wallet first using other methods? Then use wallet amount to pay charges?

2.96% is not worth the risk but 1.77% is. Any other ways to reduce the charges like u said 0.25% return in wallet while paying to cc.

GST kaha se aaya ? GST included.

Option1 - 2.5%

Option2 - 1.5%

 

[Abhishek012]

Any one tried to pay CC bill using above method, i mean by adding credit card IFSC and cc number? I tried, but it failed and snapay asked me to update the beneficiary detail!!! so not working for this cc bill pay

I paid SBI CC bill using credit card IFSC and cc number. Successfully credited.

I pay with a 2-day gap.

Since Sunday is a bank holiday, I make the payment immediately after 12 AM on Saturday night.

By Monday morning 6 AM, my transaction gets settled on SBI statement.

Then, after 7 or 8 AM in the monday morning, Snapay sends the NEFT, which gets credited to my SBI credit card.

 

[Abhishek012]

Is 7399 mcc eligible for sbi cashback 5% ?

Yes . .

 

[tharun]

Option2 - 1.5%

I understand option 1 but for option 2&3

You are considering charges as 1.5% by using wallet balance, Right?

How to earn Snapay wallet balance ?

Well, when you pay direct credit card bills on snapay app, you will get 1% Reward points.

you can redeem then Reward points on Snapay app and get 0.25% in Snapay wallet.

@Abhishek012 I tried once paying cc bill and have 12 points .but if I tried using same day page it shows as zero wallet balance .or did I do something wrong?
Also Please change the font colour iam using dark mode but unable to see few lines

 

[CardTox]

I paid SBI CC bill using credit card IFSC and cc number. Successfully credited.

I pay with a 2-day gap.

Since Sunday is a bank holiday, I make the payment immediately after 12 AM on Saturday night.

By Monday morning 6 AM, my transaction gets settled on SBI statement.

Then, after 7 or 8 AM in the monday morning, Snapay sends the NEFT, which gets credited to my SBI credit card.

What di you write the beneficiary name? SBI Card or your own name? I wrote my own name as beneficiary and txn didn't go through. Note, I tried PNB bill payment, i am not sure if other bank cc are supported on sNpY for cc bill payment through ifsc.......

 

[Abhishek012]

What di you write the beneficiary name? SBI Card or your own name? I wrote my own name as beneficiary and txn didn't go through. Note, I tried PNB bill payment, i am not sure if other bank cc are supported on sNpY for cc bill payment through ifsc.......

Dnt know about PNB CC, i tried SBI CC and IFSC and working perfectly.

Beneficiary name - yes, i wrote my own name as beneficiary.

 

[realjayt]

Ye toh shuru hote hi khatam ho gaya.😒

 

[2025]

Ye toh shuru hote hi khatam ho gaya.😒

What do u mean? Pls clarify.
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@Abhishek012