5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% to 2.5% charges:
Download Snapay app here - https://play.google.com/store/apps/details?id=com.akinfopark.snapay&hl=en&gl=US
Now signup and login, complete full kyc.
1) How to pay 5% SBI Cashback credit card to Bank/Credit card bill pay at 2.5% ?
Go to Utility bill payment and choose your bank or credit card.
Enter amount, Choose T+1 option on Snapay app
Payment mode choose “Wallet 1” -
Here you see Snapay will charge you 2.5% and proceed to pay
Choose “Wallets” option here -
Choose “Phonepe” Wallet option and next page login your phonepe account, enter your 5% SBI cashback credit card details and go to card otp page.
Now here most important info -
If you get “PHONEPE PVT LTD” merchant name then you will get 5% SBI cashback credit card
But if you get any other merchant name cancel the transaction and retry again and again.
Note - if you are lucky then you will get “PHONEPE PVT LTD” merchant name on first attempt
or normally you will get “PHONEPE PVT LTD” merchant name on 5th or 6th attempt
or if you are unlucky then you will not get “PHONEPE PVT LTD” merchant name even on 10th or 12th attempt then only option is that, retry after few hours.
If possible click on “Cancel” option on SBI Card otp page, So, phonepe system will detect there is some issue on payment gateway and next time phonepe will choose “PHONEPE PVT LTD” merchant name. However there is no 100% guarantee on this method but most of the time it works.
2) How to pay 5% SBI Cashback credit card to Bank/Credit card bill pay at 1.5% ?
Go to Utility bill payment and choose your bank or credit card.
Enter amount, Choose “Same Day” option on Snapay app
Now if you have any Snapay wallet balance then you can use 50% of charges from your wallet and you need to pay only 1.52% conv fee, here see my screenshot -
How to earn Snapay wallet balance ?
Well, when you pay direct credit card bills on snapay app, you will get 1% Reward points.
you can redeem then Reward points on Snapay app and get 0.25% in Snapay wallet.
3) How to pay 5% SBI Cashback credit card to other Credit card bill or SBI card credit card bill ?
You can enter your Credit card number and IFSC code instead of Bank account number and IFSC code and choose your Credit card number from your snappay app Utility bill payment option and pay.
Note - first time try Rs100 and check your credit card is supported bill payment through snapay utility bill pay option.
Here few banks credit card and IFSC code details but personally i am not verified with all banks credit cards yet.
| Bank Name | Credit Card IFSC Code | Branch |
|---|---|---|
| Au Small Finance Bank | AUBL0CCARDS | Jaipur |
| Axis Bank | UTIB0000400 | Mumbai |
| Bank of Baroda | BARB0COLABA | Mumbai |
| Bank of India | BKID0000101 | Mumbai |
| Canara Bank | CNRB0001912 | Bangalore |
| CITI Bank | CITI0000003 | Chennai |
| Federal Bank | FDRL00CARDS | Kerala |
| HDFC Bank | HDFC0000128 | Chennai |
| HSBC Bank | HSBC0400002 | Mumbai |
| ICICI bank | ICIC0000103 | Mumbai |
| IDBI BANK | IBKL0NEFT01 | Mumbai |
| IDFC First Bank | IDFB0010225 | Mumbai |
| IndusInd Bank | INDB0000018 | Mumbai |
| Kotak Mahindra Bank | KKBK0000958 | Mumbai |
| Punjab National Bank | PUNB0112000 | New Delhi |
| RBL Bank | RATN0CRCARD | Mumbai |
| State Bank of India | SBIN00CARDS | Mumbai |
| Syndicate Bank | SYNB0002915 | Bangalore |
| Union Bank of India | UBIN0580104 | Mumbai |
| Yes Bank | YESB0CMSNOC | Mumbai |