From July 1st, credit cardholders of major banks like HDFC Bank, ICICI Bank, and Axis Bank will be unable to pay their bills through third-party apps like CRED, PhonePe, Amazon Pay, and Paytm. This is due to the RBI’s mandate for all credit card bill payments through third-party apps to be routed through NPCI’s BBPS, and these banks are not yet live on the platform. While users of other banks like SBI and Kotak Mahindra Bank can continue using third-party apps, the disruption is causing concern among credit cardholders. The Payments Council of India has requested an extension to the deadline to avoid disruption, and users are voicing their concerns on social media. The RBI’s goal is to centralize bill payments for better tracking and control over fraud, but the move has sparked debate about the impact on user convenience and the role of third-party apps.