In this post, we’ll cover some of the best debit cards that offer substantial rewards and cashback for credit card bill payments when used with SBI UniPay, including additional tips to optimize your card usage.
1. RBL Signature+ Debit Card
- Cashback & Rewards: Get 1% cashback on credit card bill payments via SBI UniPay, capped at ₹1,000 per month. Spend ₹5 lakhs in a year and receive an extra ₹5,000 voucher.
- Fees: ₹5,900 issuance fee (includes ₹5,000 voucher) and ₹1,800 annual fee (waived on ₹3L spends).
- Pro Tip: You can open multiple accounts with the same PAN to access multiple debit cards (DC).
2. RBL Enterprise DC
- Cashback & Rewards: Enjoy 5% cashback on credit card bill payments via SBI UniPay, up to ₹1,000 monthly. Earn ₹9,000 worth of vouchers on yearly spends of ₹15L.
- Fees: ₹8,900 joining fee (includes an ₹8,500 voucher) and ₹2,200 annual fee.
3. HDFC Platinum Debit Card
- Cashback & Rewards: Get 1% cashback (up to ₹750 monthly) when you pay using SBI UniPay. No cashback for payments through Mobikwik, Cred, Paytm, or Cheq.
- Fees: ₹750 (waived for select account categories).
4. HDFC Millennia Debit Card
- Cashback & Rewards: Receive 2.5% cashback when paying via SBI UniPay, or 1% cashback when using wallet balance (Amazon or Mobikwik). Total cashback capped at ₹400 per month.
- Fees: ₹500 (waived for specific account categories).
- Pro Tip: Use BillDesk QR code to pay your credit card bill through the Amazon wallet.
5. IndusInd Exclusive or Select Debit Cards
- Cashback & Rewards: Visa Signature, Visa Platinum, and Mastercard World offer ~0.9% cashback, with incremental rewards.
- Visa Signature & Mastercard World: Max cashback ₹1,050/month on spends of ₹1.12L. Get 3,000 reward points at ₹0.35 per point.
- Visa Platinum: Max cashback ₹700/month on spends of ₹79.3k. Earn 2,000 reward points at ₹0.35 per point.
- Pro Tip: Hold all three cards together free of charge with Select or Exclusive accounts.
6. Fi Money (Infinity or Salary Variant)
- Cashback & Rewards: Pay using SBI UniPay or Cred via FI UPI to get 2% cashback. Max cashback is ₹30 per transaction, ₹100 per day, and ₹500 per month.
7. IDFC Debit Cards
- Cashback & Rewards: Rewards vary depending on your account type:
- Wealth Account: 0.67% cashback for spends up to ₹50K (online), 2.5% thereafter. Max rewards: ₹12.5k/month on ₹5.36L transactions.
- Select Account: 0.5% cashback for spends up to ₹50K, 2.5% thereafter. Max rewards: ₹7.5k/month on ₹3.4L transactions.
- Basic Account: 0.33% cashback for spends up to ₹50K, 1.67% thereafter. Max rewards: ₹2k/month on ₹1.6L transactions.
8. Axis Liberty Debit Card
- Cashback & Rewards: Earn ₹750 cashback for spending ₹60K per calendar quarter via SBI UniPay.
- Bonus Tip: Spend ₹10K on gifts through Amazon or Flipkart on weekends and earn ₹500 rewards per month. Debit card fees apply.
9. Other Notable Debit Cards
- SBI Physical DC: 0.25% cashback on most transactions, excluding account-to-wallet or account-to-account transfers.
- Jupiter: 1% cashback (up to ₹150) on SBI UniPay; 2% cashback via UPI for select accounts.
- Union Bank Signature: 1% cashback with no limits.
- Standard Chartered Infinite Priority: 1.25% cashback in vouchers for wallet and utility payments.
Alternatives to SBI UniPay for Credit Card Bill Payments
If you’re looking for options beyond SBI UniPay, here are some alternatives:
- Airtel (2 merchant names, both works)
- Canara BBPS (Canara Setu) via their website
- Navi App
These platforms support BBPS credit card bill payments and fall under the 4900 (utility) MCC.
Ongoing Issues
Non-BBPS Credit Card Payments (e.g., Amex, SC): SBI UniPay and most other apps don’t support non-BBPS billers. Instead, load your Amazon or Payzapp wallet using eligible debit cards (e.g., HDFC Millennia) and pay via BillDesk. Alternatively, use NEFT/UPI details provided by the card issuer:
HDFC Billpay:
Avoid due to recent MCC changes. Use UniPay instead.IndusInd DC Points:
Points are not consistent. Delays and errors are common.IDFC Debit Card Blocking:
Some users report blocked cards. Contact IDFC for resolution within 3-5 days.SBI UniPay Issue for SBI CC Payments:
Some users face issues paying SBI CC bills when logged in. Try paying without logging in.
Estimated Rewards Timelines
- RBL Signature+, EDC: 20th-25th of next month via email/SMS
- HDFC Platinum DC: 2-10 working days
- HDFC Millennia DC: After 3 months
- Indus Visa/Mastercards: 3-7 working days (not guaranteed)
- FI Money: 5th-10th of the next month
- IDFC DCs: 2-20 working days, sometimes longer
- Axis Liberty DC: 750 voucher next month (15th-25th)
- SBI DCs: Within 10 working days
If you have any questions about the alternatives to SBI UniPay, ongoing issues, or reward timelines for different debit cards, feel free to drop them in the comment box below! We’d love to hear your experiences, tips, or any additional insights you might have. Let’s get the discussion started! 👇
