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Best method to pay Credit Card bills from debit cards and other credit cards 1a) RBL signature + dc: 1% cashback for payment by paying using sbi unipay. Cashback through vouchers upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc. 1b) RBL Enterprise dc: 5% cb on paying cc bills using sbi unipay upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k voucher. 2) HDFC PLATINUM debit card: can be used on hdfc bill pay and sbi unipay for 1% cashback upto Rs750 pm. No cashback for payment through mobikwik, Cred, paytm, Cheq. Fees 750 (waived for certain account categories). 3) HDFC Millennia debit card: can be used to load Amazon wallets and then pay bill. 1% cashback using wallet load. Alternatively use hdfc billpay to get 2.5%. Cashback monthly limit 400. Fees 500 (waived for certain account categories). Use Amazon UPI to pay bill from amazon wallet. 4) Indusind exclusive or select debit cards (around ~0.9% cashback): There are 3 main cards : visa signature, visa platinum and mastercard world. All 3 can be held together and free of charge with select or exclusive accounts. Use paytm and cred (Dreamplug Paytech merchant) for visa variants. Sbi unipay and Cheq for mastercard variant. Incremental rewards so if spend is for example 10k only <0.5% rewards. For mc world and visa signature each : Cashback limit is Rs 1050 per month on spends of 112k. Max 3000 reward points at 35 paise. For visa platinum: Cashback limit is Rs 700 per month on spends of Rs79.3k Max 2000 reward points at 35 paise. 6) FI money ( infinity or salary variant) : pay 1.5k multiple times through cred using fi upi. Get 2% cashback. Max cashback of 500 per month. Max cashback limit : Rs30 per tranx. Rs.100 per day. 7) IDFC Debit cards: Pay cc bill using sbi unipay. Reward rate depends on account type. Ex: for wealth account : 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly Ex: for basic account : 0.33% rewards till 50k(online spends). 1.67% rewards post 50k. Rs.8k rewards max monthly Dc Fees as per variant. 8) Axis Liberty dc : Use to pay cc through sbi unipay. For 60k spend in a calendar qtr, get 750 cashback. Bonus: spend 10k on gift edge/Amazon (incl voucher)/ FK during weekend and get 500Rs reward pm. Dc fees applies. 9) Other dc: Axis Burgundy 2 ER per Rs200(Mobikwik), Axis Burgundy Private 1.5% ER, sbi dc 0.25%, union bank signature 1%. Imp note: SBI Unipay is working now for most of people, still try with small amount first. Cheq and Paytm MCC can be different in some trx but mostly working for indus. In SBI unipay first time try Rs100 and then 1k, 5k, 10k or max 20k. Do multiple transactions. Dnt use SBI unipay at night, if possible try on bank working hours.

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