Paying your credit card bill doesn’t have to be boring or pointless — with the right credit card bill payment tricks and strategies, you can turn a necessary monthly task into a cashback-earning opportunity. Here are the top 10 methods Reddit users recommend to maximize cashback rewards while paying credit card bills — some giving up to 5% back!
Here’s a quick snapshot of the top payment tricks Reddit users recommend:
| Trick | Estimated Cashback |
|---|---|
| INDmoney App | Up to ~5% |
| SaveSage Multiple Payments | Reward stacking |
| Ebixcash + Payzapp UPI | ~1% |
| HDFC Rewards Debit Card | Flat ~5% |
| BOB/RBL Debit Cards | ~2%+ |
| Axis Debit Card | Varies |
| HDFC Millennia Debit | ~1% |
| HDFC Platinum Debit (Old) | ~1% |
| Vi App + Kotak 811 | Up to ~4.4% |
| BOI RuPay Cards | 0.5–1%+ |
📌 1. Use the INDmoney App for 5% Cashback
One of the easiest credit card bill payment tricks is to pay your bill through the INDmoney app. For many users, this unlocks a 5% cashback offer (up to ₹150) on your first bill payment. earn cashback up to ₹150 on your first credit card bill payment.
link – https://indmoney.onelink.me/RmHC/v00ol45x
👉 Pro Tip: Make sure you meet the minimum payment requirement to fully qualify for the cashback.
💰 2. SaveSage App Rewards on Multiple Payments
If you use the SaveSage app to pay your credit card bill in multiples of ₹1000, you may earn small rewards (~₹17-₹19) each time you pay — meaning multiple small rewards can add up to real value.
If you have SaveSage app try paying credit Card bill in multiple of Rs 1000 and get 17-19 everytime.
i paid total 10 times and got Rs 17-19 everytime. once tried with Rs 500 only and got Rs 3 Only.
Bonus : Pay using BHIM and Cred Upi within Savesage app to get extra cashback in BHIM and Cred.
Use my link to get started: https://savesage.co/08qzQ1wK8Zb
Sign up with my code “NDYzNTU3” for extra benefits!
💡 Extra: Paying via BHIM or Cred UPI inside SaveSage can unlock bonus cashback too.
🛍 3. Ebixcash + Payzapp Trick (~1% Cashback)
By completing KYC on Ebixcash and using its GPR card to load money into your Payzapp wallet via UPI, you can earn around 1% cashback (often as Amazon gift vouchers).
📌 This method can work especially well if you frequently move funds between wallets and bill payment portals.
Register through website here (dnt use app for register) – https://ebixcash.com/ebixcash-consumer/billpayment/
Now go to profile >> kyc and complete your Vkyc (wait for kyc approval)
After approved.
Go to >> bill & payments >> more >> “GPR Card” option and apply (option showing after Vkyc approved, also relogin, if option is not showing).
Now login Ebixcash mobile browser website >> add money to wallet >> choose UPI and load (UPI load option showing only on Mobile browser website).
How to withdraw money from Ebixcash wallet and earn 1% Cashback ?
Now use your Ebixcash “GPR Card” and load money to payzapp full kyc wallet (no charges), now you will get 1% Cashback on payzapp wallet load. This 1% cashback credited next month after 10th.
Note – W.e.f Jan, 2026 Ebixcash t&c slightly changed – Now you get 1% Ebixcash GPR card spend cashback as a form of Amazon gv.
Open a mobile browser in desktop mode (or use a desktop/laptop) and visit the Axis Setu website, Vi website, rediff website or Canara setu website.
Under the credit card bill payment option, generate a UPI QR code and then use another device to scan and pay via Payzapp Wallet UPI. Android user get UPI Intent option from same device. No need to use 2 device.
Payzapp Wallet UPI spent limit is also 2 lakhs monthly.
Axis Setu – https://billpay.setu.co/1356078477467452930
Canara Setu – https://billpe.setu.co/landing/1390020841911092593
Another Update: Some IOS users dnt get Payzapp Wallet UPI option to pay, try any other device and login on desktop mode and generate QR code and scan & pay from payzapp app.
IOS/Android user can also try here to pay credit card bill via Payzapp Wallet UPI –
Rediff pay – https://pay.rediff.com/webapp/
Vi website – https://www.myvi.in/utilities
Note – Ebixcash wallet limit is 12 lakhs per financial year but payzapp wallet per account limit 2 lakhs per month.
Also note- Android user get Ebixcash BHIM UPI app to transfer ebixcash wallet balance to bank or credit card bill pay, no extra charge from 3rd party app but no cashback you will get.
🏆 4. HDFC Rewards Debit Card – 5% Cashback on Bill Payments
One of the most popular credit card bill payment tricks is to use the HDFC Rewards Debit Card — offering flat 5% cashback on credit card bill payments and other bill categories like utilities and FASTag.
You will get 5% Cashback on Electricity, Gas, Water, Insurance, Fastag, Recharges, Credit Card bill payment etc
Just use Payzapp app to pay your all types of bills using this debit card.
Fuel purchase also 5% Cashback –
Fuel – BPCL (on HDFC Bank terminals)
5% Cashback upto Rs2000 per month.
Note- first save your debit card on payzapp app before pay, otherwise you will get debit card not supported error.
💡 Typically capped at ₹2000 per month, this can generate significant rewards if your bill is high.
💳 5. BOB & RBL Debit Card Cashback Benefits
You can use the Bank of Baroda (BOB) portal or app to pay credit card bills and unlock benefits from RBL Signature+ and RBL Enterprise debit cards — often ranging 2% cashback or more on certain MCC codes.
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback).
MCC Code – 9399 (Choose Razorpay payment gateway)
https://pay.bobcard.co.in/online-payment.htm
👉 Focus on utility MCC codes (e.g., 9399) to earn the highest rewards.
💸 6. Axis Netbanking + Debit Card Bill Pay Trick
If you pay your credit card bill through the Axis app or netbanking with eligible debit cards, you can earn cashback — especially with special reward rules on Axis–linked debit cards.
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback).
MCC Code – 6300
↪ 7. HDFC Millennia Debit Card – 1% Cashback Strategy
Although it’s a smaller percentage, using the HDFC Millennia Debit Card to load funds into a wallet and then pay your credit card bill can net you consistent 1% cashback (up to ₹400) each month.
Simply load ₹40k into any wallet app and you will get Flat 1% cashback upto ₹400 every month. You can do a minimum transaction of ₹400 or in multiples of ₹400.
Then, transfer the money from the wallet to your bank free of cost via Wallet UPI or pay your credit card bill via 3rd party app using Wallet UPI.
Amazon full KYC Wallet UPI is the best option and then you can pay your credit card bill through any third-party app or free bank transfer.
Payzapp full KYC wallet is also the best for bank transfers.
Or you can use any other full KYC wallet UPI app.
💡 This works best if you make regular bill payments and use wallet UPI routes efficiently.
✨ 8. Old HDFC Platinum Debit Card Hack
This trick isn’t for everyone — but if you still have an old HDFC Platinum Debit Card, setting it as an autopay option in netbanking can earn reward points (~1%) on bill payments as long as the merchant code matches the right category.
Well, this card is almost dead now, but someone just shared a trick.
- Add biller in HDFC Netbanking
- Enable autopay via the Platinum card, while adding the credit card details.
- Bill will be auto paid by debit card, 4 days before the bill date.
- 1% reward point will be credited afterwards.
- Merchant name: DCSI BILLPAY
- MCC Code: 4900
Note:
- If the bill is not fetching automatically even after 1 day then try deleting and re-adding the biller. Worked for me.
- If you pay the bill manually, then no cashback as you will get some other mcc code & rentalbbps merchant name
- New variant cards are not eligible.
⚠️ Note: New variants aren’t eligible for this anymore.
📱 9. Vi App + Kotak 811 Super Debit Card Combo
For users with a Vi SIM and Kotak 811 Super Debit Card, paying your credit card bill through the Vi app can trigger large cashback rates — sometimes up to ~4.4% — depending on MCC codes and card structure.
You can use Kotak 811 super debit card to pay your credit card bills and you can get upto 4.4% cashback.
Full details here – https://www.reddit.com/r/dealsOffersFreebies/comments/1qf94ql/trick_to_get_44_cashback_on_credit_card_bill/
Vi app only for Vi user
Here, Visa/Mastercard debit cards have a 1% charge, while RuPay debit cards have zero charges.
MCC Code – 4900 (Utility category).
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (5% upto 1000 cashback on Utility) and the RBL Signature+ Debit Card (2% cashback if milestone benefit count but remember 1% extra charges on VI app/website).
Update – Last time i check MCC Code change to 4814 (telecom category). I think both mcc code is exist with 2 different merchant name.
RBL Enterprise Debit Card offer 5% upto 500 cashback, if category is telecom.
🏦 10. Better Rewards with BOI RuPay Debit Cards
Applying for Bank of India RuPay debit cards and using them on supported bill payment platforms (like Billdesk, Paytm, PhonePe, or Canara Setu) can yield 0.5-1% or more rewards — especially if the first payment crosses a certain threshold.
Apply Bank of India RuPay Classic/Platinum/Select Debit Card variant and use on billdesk website, zavo app, VI app or Vi website (VI website is for non-VI users), Paytm app, Freecharge app, Phonepe app, Canara Setu etc and no extra charges on RuPay.
Note – BOI RuPay Classic/Platinum Debit card has only one condition: every month, the first transaction must be ₹10,001 or more. After that, all the remaining transactions will earn double bonus rewards.
But BOI RuPay Select Debit Card – Rs.10,000/- per transaction to get triple rewards or more.
The bonus rewards will be credited by the first week of the next month. If you’ve taken a new card, it will take 1–2 months for your details/registration to get updated on the BOI Rewardz site. BOI also has a monthly cap of 10k rewards.
