Need Suggestions for Credit Card Bill Payment App / Trick.

[Satyaprabhu]

I want your suggestions for paying the bills of the following credit cards, with a monthly overall usage of 10–20k:

• Amazon Pay ICICI Credit Card
• Coral RuPay ICICI Credit Card
• Canara Platinum RuPay Credit Card

I also have a Kotak 811 (Basic) account. Please suggest whether the Kotak 811 (Super) Debit Card 5% cashback trick still works for credit card bill payments, so that i can upgrade if it's enough worthy. Currently, I am using MobiKwik for bill payments, but you can suggest other options as well.

 

[arjungoyal12]

For 10–20k monthly CC bill payments, you actually don’t need anything fancy. Since your cards are ICICI + Canara, most of the usual “reward tricks” are already limited now.

MobiKwik is honestly fine if it’s working smoothly for you. Just keep checking the fees before paying.

CRED can be hit or miss, sometimes you get a small cashback, sometimes nothing. But it’s good for convenience.

Paytm is still reliable for bill payments, even though they don’t give real rewards anymore. Good backup option.

About Kotak 811 Super Debit Card, the old 5% cashback trick basically doesn’t work now. They changed the rules, and most people don’t get cashback on credit card bill payments. So upgrading just for that isn’t really worth it.

So, in short:

• Stick to MobiKwik as your main option.
• Use CRED when you feel like checking for surprises.
• Keep Paytm as a fallback.

If you tell me whether you prefer UPI, wallet, or debit card payments, I can suggest the cleanest setup for your style.

 

[ronfinance99]

For 10–20k monthly CC bill payments, you actually don’t need anything fancy. Since your cards are ICICI + Canara, most of the usual “reward tricks” are already limited now.

MobiKwik is honestly fine if it’s working smoothly for you. Just keep checking the fees before paying.

CRED can be hit or miss, sometimes you get a small cashback, sometimes nothing. But it’s good for convenience.

Paytm is still reliable for bill payments, even though they don’t give real rewards anymore. Good backup option.

About Kotak 811 Super Debit Card, the old 5% cashback trick basically doesn’t work now. They changed the rules, and most people don’t get cashback on credit card bill payments. So upgrading just for that isn’t really worth it.

So, in short:

• Stick to MobiKwik as your main option.
• Use CRED when you feel like checking for surprises.
• Keep Paytm as a fallback.

If you tell me whether you prefer UPI, wallet, or debit card payments, I can suggest the cleanest setup for your style.

What for someone who has a monthly payment of Min Rs 50K. Max use of Tata Neu Hdfc Card and HDFC Millinium Card?? Which UPI app or wallet will you suggest?