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Old 16.08.2020, 10:18
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Paying bills with cumulus mastercard

Hi all,

Would like to ask simple question as shown in the title..

How can we pay e.g. paper bills (health insurance, apartment) with the cumulus mastercard?

We would like to use that cashback and since these are large amount of money paid, is there an option to pay with aforementioned mastercard?

Thank you in advance for answers or any help
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  #2  
Old 16.08.2020, 10:32
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Re: Paying bills with cumulus mastercard

It's a credit card isn't it, so those would have to be charged to the card itself. Don't think that's possible for the things you're wanting to use it for.
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Old 16.08.2020, 10:34
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Re: Paying bills with cumulus mastercard

It really depends on the retailer. They are the ones that have to pay a fee to the credit card company, some of which goes to fund your ‘cashback’.

As most people pay cash at the post office, or use a bank transfer I cannot see an incentive for these business to use credit cards.
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Old 16.08.2020, 10:34
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Re: Paying bills with cumulus mastercard

Indeed. I don’t think it’s possible to pay a bill with a credit card in CH
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Old 16.08.2020, 10:39
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Re: Paying bills with cumulus mastercard

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Indeed. I don’t think it’s possible to pay a bill with a credit card in CH
Salt offers the option to pay their bills by credit card but I’ve never tried it and not seen the option anywhere else although I’ve never really looked for it either.
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Old 16.08.2020, 10:44
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Re: Paying bills with cumulus mastercard

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Salt offers the option to pay their bills by credit card but I’ve never tried it and not seen the option anywhere else although I’ve never really looked for it either.
Im also paying sunrise bill with credit card and toping my revolut card with this master..

Apparently there is a way to connect master to PayPal and pay with PayPal but I need to know more before opening PayPal account
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Old 16.08.2020, 11:20
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Re: Paying bills with cumulus mastercard

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Im also paying sunrise bill with credit card and toping my revolut card with this master..

Apparently there is a way to connect master to PayPal and pay with PayPal but I need to know more before opening PayPal account
There may be a way to link the card to TWINT and pay your bills via that but I’m not really sure about that.
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Old 11.03.2021, 15:30
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Re: Paying bills with cumulus mastercard

If your credit card is available on your phone and your bill has a QR Code on it it should be possible to make the payment.
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Old 11.03.2021, 21:54
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Re: Paying bills with cumulus mastercard

No.

Bills of this sort are paid by bank transfer. Orange slips are just a standardised way of formulating the necessary details, QR codes an electronically encoded version of the same.

If you want to pay by credit card, the recipient would have to pay merchant fees. I'm pretty sure your landlord isn't going to accept paying >2% fees just so you can get 1% cashback.
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Old 12.03.2021, 07:33
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Re: Paying bills with cumulus mastercard

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Hi all,

Would like to ask simple question as shown in the title..

How can we pay e.g. paper bills (health insurance, apartment) with the cumulus mastercard?

We would like to use that cashback and since these are large amount of money paid, is there an option to pay with aforementioned mastercard?

Thank you in advance for answers or any help
What I have heard but not yet tried: Revolut allows one to pay bills. So you top up Revolut with your credit card then pay the bill with Revolut.

Someone has already mentioned Revolut in this thread, but not in the same context.

Last edited by alexyalmtl; 12.03.2021 at 07:34. Reason: spelling
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Old 12.03.2021, 10:36
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Re: Paying bills with cumulus mastercard

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What I have heard but not yet tried: Revolut allows one to pay bills. So you top up Revolut with your credit card then pay the bill with Revolut.
Right, and then you could even rewire the money back to your bank account.

Too good to be true? Yes, I am afraid you won't get cumulus points or any other cash back for charging your revolut. But I'd be happy to be proven wrong.
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Old 12.03.2021, 10:50
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Re: Paying bills with cumulus mastercard

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Right, and then you could even rewire the money back to your bank account.Too good to be true? Yes, I am afraid you won't get cumulus points or any other cash back for charging your revolut. But I'd be happy to be proven wrong.
Don’t know about Revolut but if the CC company regards the “topping up” as a cash TRX, you would wind up paying ~3.75 % commission as well
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Old 12.03.2021, 11:10
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Re: Paying bills with cumulus mastercard

I've come up to the below approach.

Many regular bills (health insurance, mobile provider, electricity and such) can be paid with a thing called EBILL - check if your Swiss bank supports it and also if a bill issuer supports it too (many do). With EBILL it should be also possible to configure regular limits, a specific date etc, it's very convenient. For the SBB application TWINT can be used.

For on-line shopping you could get a Revolut card and top it up charge free (for those registered in Revolut as Swiss residents, if you have Revolut from another country, just contact their customer care and change the address) with a normal transfer (with relatively small amounts such as 100-300 just to be on a safe side), the downside is waiting time such as 1-2 days which is bearable. This way an expensive traditional Swiss debit/credit card can be avoided. When doing the shopping check every time if TWINT or invoice options are available so there is no need to touch the Revolut card.
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Old 12.03.2021, 13:51
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Re: Paying bills with cumulus mastercard

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I've come up to the below approach.

Many regular bills (health insurance, mobile provider, electricity and such) can be paid with a thing called EBILL - check if your Swiss bank supports it and also if a bill issuer supports it too (many do). With EBILL it should be also possible to configure regular limits, a specific date etc, it's very convenient. For the SBB application TWINT can be used.

For on-line shopping you could get a Revolut card and top it up charge free (for those registered in Revolut as Swiss residents, if you have Revolut from another country, just contact their customer care and change the address) with a normal transfer (with relatively small amounts such as 100-300 just to be on a safe side), the downside is waiting time such as 1-2 days which is bearable. This way an expensive traditional Swiss debit/credit card can be avoided. When doing the shopping check every time if TWINT or invoice options are available so there is no need to touch the Revolut card.
I don't see how any of the two situations you describe are related to the question that the topic is about.
The author asked if there is a - direct or indirect - way to pay the "regular" bills via credit card (Cumulus).
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Old 12.03.2021, 15:14
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Re: Paying bills with cumulus mastercard

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Right, and then you could even rewire the money back to your bank account.

Too good to be true? Yes, I am afraid you won't get cumulus points or any other cash back for charging your revolut. But I'd be happy to be proven wrong.
For Cumulus points, that idea worked for a while then was 'corrected' by Swisscard. Other card emetters may treat it differently. Hard to say.
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Old 12.03.2021, 16:21
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Re: Paying bills with cumulus mastercard

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I don't see how any of the two situations you describe are related to the question that the topic is about.
The author asked if there is a - direct or indirect - way to pay the "regular" bills via credit card (Cumulus).
You are right, it was too much of a deviation from the main topic from my side, my apologies
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