In Canada, Money

Referral Code [ PTM210713 ] for Money & Review: PayTM for your Canadian utilities, municipal taxes and bills – Canada

OMG.

HOW DID I NOT KNOW ABOUT PAYTM UNTIL NOW?

You can use your debit card to pay for your bills

Update: They charge for credit card use now and it is no longer worth it. I still use my debit account through them to pay my taxes and utilities however, because then I get points which I use to redeem towards Starbucks gift cards.

Download this app now, it is on the App Store

 

Use Referral Code:

PTM210713

  • Only in India and Canada right now
  • Canada App: PayTM Canada

I just paid my municipal bill of over $2800 with my credit card, and I earned points on THAT through PayTM and through my credit card rewards.

Considering I pay all of our bills, this is another $6000 – $10,000 in extra possible reward cashbacks from my Mastercard, which means an additional $200 in my pocket for just paying basic bills.

Update: They charge for credit card use now and it is no longer worth it.

I still use my debit account through them to pay my taxes and utilities however, because then I get points which I use to redeem towards Starbucks gift cards.

SIGN UP NOW!!

Use my referral code:

PTM210713

….pay a bill over $50, you get 5000 points to use for rewards / gift cards, and I get 5000 points too!


I like free stuff. Especially when it is free, and paying bills that I have to pay anyway… I always thought it was dumb I couldn’t pay with a credit card.

Few notes

Canada and India only!! Sorry Americans 🙁

Except in Quebec (BOO) you can also use it to pay your PC Mastercard, Tangerine, etc. I mean, a credit card to pay your credit card for points?!?

You can ONLY use a MASTERCARD to pay without a fee. I have the Rogers Bank Mastercard, so I’m solid on this.

Update: They charge for credit card use now and it is no longer worth it. I still use my debit account through them to pay my taxes and utilities however, because then I get points which I use to redeem towards Starbucks gift cards.

I am in Quebec, so it only covers your municipal bills, and taxes. Fine by me. But you can search for so many other bills that they cover.

What bills Quebec can add:

Only 2 🙁

  1. Quebec City of Montreal Property Taxes — the ID number is your Numéro de référence in that box, all the numbers without the dashes.
  2. Comité de Gestion de la taxe Scolaire L’ile Montreal (School taxes)

You get points, which you can use towards gift cards on Amazon.ca, etc. $1 = 1 point

It is SO easy to download the app (PayTM) and sign up to pay, and once you pay a bill at least $50 in value, you get an extra 5000 points and so do I. Free $5 gift card, basically.

You set up the billers just like in online banking, search for the name like “Montreal Municipal” or “Hudson’s Bay Mastercard”, and then add them, add the account number, and PAY.

And thanks in advance for the referrals 😀

UPDATE: They now charge you a fee for paying with your credit card for MUNICIPAL taxes.

Boo!

I thought it over however, and it is still a good deal to have it paid out of my bank account via PayTM because I obtain the points for PayTM that I can use towards Starbucks or other gift cards, even if I can’t use my credit card and get points via that.

So. Pay your municipal tax bills with a linked bank card, but use your credit card for everything else.

Be forewarned that when they deposit amounts, it isn’t like in banks where they just leave the money and write it off — they WILL debit the money back out of your account a few days later, and if you don’t keep any money in your chequing account, you could get dinged with an Insufficient Funds Fee (NSF) like I did 🙁

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Sherry of Save. Spend. Splurge.

Am my own Sugar Daddy. Am a millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using TheBudgetingTool.com. I have worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I have 11 side incomes that are on track in 2020 to make me $50K - $75K. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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In a nutshell…

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——

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Disclosure

Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

In English: If you click on a link, I could get a small commission, typically a few cents. And if you use a referral code, I could get anywhere from $10 – $70 for it. Thank you for your kind support!

Also, I am not a professional investment advisor or money manager by any means.

I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.