Organized list of rewarding CC bill payment methods?

[pxg]

Here are the ones I know so far:

Debit Card:

• RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
• HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback (difficult with Paytm ban)
• HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
• IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
• Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
• SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
• Axis Burgundy DC + Magnus CC for Burgundy - 0.8% reward rate when transferring ER at 5:4 ratio

Apps:

• CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd) for payments above ₹50k.
• Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
• CheQ: Coins devalued heavily. Minimum payment ₹50k.
• Paytm: Cashpoints/Rewards devalued, platform fee (₹4) added. Payment via Visa DC only, since wallet load has been banned.
• Park+: Slowest settlement. Rewards not tested.

Banks:

• Axis Liberty Account: ₹60k/quarter or ₹20k/month in payments for ₹750 voucher (+ you need to spend ₹5k for ₹25k total/month)
• IndusInd Indie Megastar tier Account: 5 unique CC payments of minimum ₹500 per month for 500 gems per month (1 Gem = ₹1)
• IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month on first bill payment every month. This is separate from CC rewards.

Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.

 

[CyberPsych]

I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.

Is it possible for wallet/card block if you do in parts scattered over a month?

 

[sxchzy]

o
k
+
+
+

 

[sharma]

Here are the ones I know so far:

Debit Card:

• RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
• HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback
• HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
• IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
• Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
• SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
• IDFC First DC: 0.33% (First rewards - untested) when redeeming for GV (similar to IndusInd DCs in terms of MCCs allowed with lower rewards?)

Apps:

• CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd, IDFC) for payments above ₹50k.
• Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
• CheQ: Coins devalued to 💩. Only useful for certain amounts and cards.
• Paytm: Cashpoints devalued to 💩. Only useful for certain cards.
• Park+: Current alternative to CheQ for DC rewards (IndusInd, Indie, IDFC).

Banks:

• Axis Liberty Account: ₹60k/ quarter in payments for ₹750 voucher
• IndusInd Indie Account: 8 unique CC payments of minimum ₹500 per month for 200 gems per month (1 Gem = ₹1)
• IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month (separate from CC rewards) on first bill payment (untested)

Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.

How millennia gives cb?
Will it works same as platinum debit card or we need to load money to any app specifically

 

[pxg]

How millennia gives cb?
Will it works same as platinum debit card or we need to load money to any app specifically

Please use Google or the search function. All of the existing CC bill threads are already very hard to navigate or get updates on because of unrelated questions.

 

[amit90]

Useful thread 👍

 

[Viper1057]

Add Burgundy DC which gives 1% ER which you can redeem and transfer miles at 5:4 ratio if you have Burgundy Magnus credit card making it a 0.8% reward rate for earning miles.

 

[AlgoTrader]

IDFC won't work, their DC stopped giving rewards of any sorts for CC payment

 

[Raun]

IDFC Debit card not giving RPs on park+

 

[SSV]

Here are the ones I know so far:

Debit Card:

• RBL Signature+: Up to 1L/month for 1% rewards redeemable for GVs (seems like the best option still, risk of devaluation high)
• HDFC Millennia DC: Up to ₹40k/month for ₹400 (1%) cashback
• HDFC Platinum DC: Upto ₹75k/month for ₹750 (1%) cashback (only on banks available in HDFC Billpay)
• IndusInd DCs: Up to ₹112.5k/month for ₹1050 (max 0.93%) in reward points via CRED (bill > ₹50k)
• Indie DC: 0.5% in Gems on BBPS/non CC bill payment MCC (?)
• SBI DC: 0.25% when redeeming RP for GV on payments via DC up to 10k per transaction and 20k per month. (Minimum redemption quite high as of recently)
• IDFC First DC: 0.33% (First rewards - untested) when redeeming for GV (similar to IndusInd DCs in terms of MCCs allowed with lower rewards?)

Apps:

• CRED: Around 0.25-0.5% reward rate for smaller value payments if you spin 3 times. Can use for DC rewards (IndusInd, IDFC) for payments above ₹50k.
• Payzapp: 11 Cashpoints (1 Cashpoint = ₹1) on CC bill payment of 5k minimum using coupon code
• CheQ: Coins devalued to 💩. Only useful for certain amounts and cards.
• Paytm: Cashpoints devalued to 💩. Only useful for certain cards.
• Park+: Current alternative to CheQ for DC rewards (IndusInd, Indie, IDFC).

Banks:

• Axis Liberty Account: ₹60k/quarter or ₹20k/month in payments for ₹750 voucher (+ you need to spend ₹5k for ₹25k total/month)
• IndusInd Indie Account: 8 unique CC payments of minimum ₹500 per month for 200 gems per month (1 Gem = ₹1)
• IDFC First Account: 250 First Rewards RP (1RP = ₹0.25) per month (separate from CC rewards) on first bill payment (untested)

Millennia was fine for most of my CC bills so far but my spends have increased so looking for more convenient ways, most of these CC bill payment posts have become hard to search or just hidden for risk of devaluation. I know some people deposit to wallet and transfer back to bank (loot) so effectively doing nothing for free rewards for some of these cards but I don't want to get my wallets potentially blocked, so I only use them for CC payments.

Great job..nice summary and keep it like this only.. Keep it crisp and don't add too much info in your first post and Keep updating with other users inputs .
Keep last updated date at the end of the post..

Well done !! again
.

 

[WhoU]

HDFC Millennia DC also gives 2.5% on bill payments via HDFC BILL PAY. Not sure if it gives 2.5 or 1 via Paytm.

 

[Lobogris]

Almost all credit cards have now been added to HDFC Billpay.

 

[WhoU]

Almost all credit cards have now been added to HDFC Billpay.

Other than HDFC

 

[pintuk]

Indie gives cashback on what platform?

 

[Shubham Yadav]

Indie gives cashback on what platform?

On its own platform

 

[pintuk]

On its own platform

But that is capped to 25 gems per card. I was looking for website where I can earn uncapped 0.5% cashback

 

[Dreams Of Desire 💓]

Now this is something worth reading🥰

 

[mojo_jojo123]

IndusInd Master DCs is not giving reward in cred ../ cheq / payzapp / paytm can't use ..

 

[wiizzard]

Add Burgundy DC which gives 1% ER which you can redeem and transfer miles at 5:4 ratio if you have Burgundy Magnus credit card making it a 0.8% reward rate for earning miles.

Is this correct? I thought the Burgundy points are in a separate pocket capped at 5:2 , while Magnus Burgundy points get redeemed at 5:4

 

[Viper1057]

Is this correct? I thought the Burgundy points are in a separate pocket capped at 5:2 , while Magnus Burgundy points get redeemed at 5:4

Yes, I am doing this every week😂 Even though its in ER bucket, whenever you redeem M4B bucket points, almost equal points(nearest 100th multiple) of that points get transferred from ER bucket to M4B bucket which you can redeem and continue the loop.