Credit Card Bill Payment Online & Offline

1. Through internet banking
2. NEFT/RTGS online funds transfer
3. IMPS Method
4. Through BillDesk
5. Auto debit facility
6. Mobile wallets and payment systems

How to Pay Credit Card Bill Online Using Net Banking

Follow the steps listed below to pay your credit card bill online through NEFT: 

Step 1: You need to visit your bank’s official website. 

Step 2: Navigate to the ‘Net Banking’, ‘Internet Banking’, or ‘Login’ option. 

Step 3: Log in to your net banking portal using your customer ID and password. 

Step 4: Check for the ‘Funds Transfer’ option.  

Step 5: If your credit card is already linked to net banking, select it for payment. If not, link the card first. 

Step 6: Check and confirm payment details such as outstanding amount and account number. 

Step 7: Enter the OTP and password to authorize the payment. 

Step 8: A confirmation message will be sent to your mobile once the transaction is successful. 

1. HDFC Bank Credit Card Bill Payment through HDFC Net Banking
2. Axis Bank Credit Card Bill Payment through Axis Bank Internet Banking
3. SBI Credit Card Bill Payment through SBI Online Banking
4. Standard Chartered Credit Card Bill Payment through SCB Online Banking

How to Pay Credit Card Bill Online Through NEFT

Follow the steps listed below to pay your credit card bill online through NEFT: 

Step 1: You need to log in to your bank’s internet banking portal. 

Step 2: Look for the option ‘Funds Transfer’ and select "Add Beneficiary" or "Add Payee." 

Step 3: Enter all the beneficiary details like name, credit card number, etc. 

Step 4: Verify and activate the beneficiary. The activation time may vary from bank to bank. 

Step 5: Once the activation process is complete, place a request to transfer funds. 

Step 6: Authorize the transaction using your OTP and password. 

Step 7: Once the transfer is successful, you will receive a confirmation message. 

1. HDFC Credit Card Bill Payment Through NEFT
2. SBI Credit Card Bill Payment Through NEFT

How to Pay Credit Card Bills Through IMPS

Step 1: The first step is to download the mobile application of your banking institution. For instance, you have to download the mobile application of HDFC Bank if you hold a bank account with this banking entity. 

Step 2: Once you download the mobile application, you have to login to mobile banking using credentials. 

Step 3: Click the 'Bank Account' button. You shall be provided with a link for the IMPS payment option. 

Step 4: Click the 'IMPS' button and choose the 'Merchant Payment' button. 

Step 5: Furnish the necessary financial details such as MMID, the contact number of billers, and your bank account from which funds are transferred, the billing amount, and your credit card number. 

Step 6: Finally, hit the 'confirm' button to complete the transaction.

How to Pay Credit Card Bill using Mobile wallets and Payment systems

1. The recent entrants in the industry, mobile wallets and payment systems, offer credit card bill payment options on their platforms.
2. Paytm, Mobikwik, PhonePe, BHIM/UPI, etc., are some mobile payment platforms that provide a credit card bill payment facility.
3. No separate registration is required on these platforms to make payments. You just need to download the app, link your debit card or savings account, recharge the wallet, enter your credit card details and make the payment. Read on to know more about them.
   

Bill Payment through PhonePe

Follow the steps listed below to complete the credit card bill payment through PhonePe: 

Step 1: Open the PhonePe app on your phone. 

Step 2: Under 'Recharge and Pay Bills', click on 'Credit Card Bill'. 

Step 3: Enter your credit card number and click on 'Confirm'. 

Step 4: Once your credit card gets linked to your PhonePe account, you can then proceed to complete the payment of your credit card bill. 

Bill Payment through Paytm

Follow the steps listed below to complete the credit card bill payment through Paytm:

Step 1: Open the PayTM app or visit the website. 

Step 2: Under 'Recharge & Bill Payments', click on 'Credit Card payment'. 

Step 3: Click on '+ Pay another card'. 

Step 4: Enter your credit card number and if you want you can provide a nickname for it too. 

Step 5: You can then link your credit card to your PayTM account and once done, you can proceed to complete the payment of your credit card bill.

Bill Payment through MobiKwik

Follow the steps listed below to complete the credit card bill payment through MobiKwik: 

Step 1: Click on the Mobikwik bill payment link. 

Step 2: Enter the credit card number and the billing amount you need to pay. 

Step 3: Click on 'Go'. 

Step 4: Follow the instructions to complete the payment of your credit card bill. 

Bill Payment through Google Pay

Follow the steps listed below to complete the credit card bill payment through Paytm: 

Step 1: Open the Google Pay app on your phone. 

Step 2: Click on 'Pay bills' and then click on 'Credit card bill payment'. 

Step 3: Choose your bank which has issued you the credit card. 

Step 4: If you don't have your account linked, against 'No account linked', click on '^' sign and click on 'Link Account'. 

Step 5: Enter your credit card number and add a nickname for it if you want. 

Step 6: Click on 'Link Account'.

Step 7: Once your credit card is linked to your Google Pay account, you can pay your credit card bill whenever you want.   

How to Pay Credit Card Bill Online through Auto Debit Facility

Credit Card payment processing time – On the payment due date. 

Step 1: If you have a net banking account for your savings account, you can register for the auto debit facility and can rest assured about your credit card dues. 

Step 2: The auto debit facility allows you to provide standard instructions to your savings or current account-holding bank to debit the credit card bill on the same day every month. 

Step 3: While registering for the facility, you can choose either the minimum amount due or the total amount due. 

Step 4: You can register for the facility through your net banking account or by sending a written request to the bank. 

Step 5: Once registered, the auto debit facility will become effective from the immediate credit card payment due date. 

Step 6: The amount will be credited instantly on the payment due date every month.

How to Make Credit Card Bill Payment Offline

When you don't have access to the internet, you can use any one of the offline methods to make your credit card payment.

Listed below are various non-internet ways to make your credit card bill payment.

1. By walking into a bank ATM
2. Over-the-counter payment
3. By drawing a cheque or demand draft

How to Pay Credit Card Bill Offline Through the ATM

Credit Card payment processing time - Instant

1. If you have a debit card from your credit card issuer or bank, you can walk-in to the bank's ATM to pay the credit card bill.
2. Visit any nearest ATM of your credit card issuer with your debit card, insert your debit card into the ATM kiosk, select credit card bill payment option and follow the instructions to make credit card payment.
3. Usually, the bill payment through ATM is instant as the amount gets transferred from your savings or current account to your credit card account.

How to Pay Credit Card Bill Offline at the Bank Branch Office

Credit Card payment processing time - 1 working day

1. If your credit card issuer is a bank with a physical office, you can walk into the nearest branch and make your credit card payment by depositing cash.
2. Simply walk into the respective bank branch, fill-in the deposit slip with your credit card details and the bill amount and submit it at the counter.
3. The payment will be processed within 1 working day.
4. Over-the-counter payments usually entail a service charge of up to Rs.100 per payment.

How to Pay Credit Card Bill Offline by Drawing a Cheque/DD

Another offline payment option is writing a cheque or demand draft (DD) payable to your credit card account. To do so, you have to write your 16-digit credit card number on the cheque/DD and include your name and contact number on the reverse. Drop it at any bank branch or ATM drop box. Payments to the same bank typically clear in 3 working days, while payments to different banks take 5 working days. Outstation cheques can take 12-21 working days. It is advisable to always calculate and consider these clearing times to ensure your payment reflects the due date. 

Points to remember when making a credit card bill payment: 

Make a note of the below-listed points when making a credit card bill payment: 

1. Try to pay your credit card bill in full. It is good for your credit score.  

1. If you are opting for ‘Minimum Amount Due’ payment, check the late charges involved. 

1. Verify all your details before completing the payment. 

1. Check the due date to avoid late fees on credit card bill payment. 

1. If paying via NEFT/IMPS, check the 16-digit credit card number twice (which acts as the account number) and the specific IFSC code for credit card payments provided by your issuer. Incorrect details can delay payment or lead to issues.

Points to remember when making a credit card bill payment:

Make a note of the below-listed points when making a credit card bill payment:  

1. Try to pay your credit card bill in full. It is good for your credit score.   

1. If you are opting for ‘Minimum Amount Due’ payment, check the late charges involved.  

1. Verify all your details before completing the payment.  

1. Check the due date to avoid late fees on credit card bill payment.  

1. If paying via NEFT/IMPS, check the 16-digit credit card number twice (which acts as the account number) and the specific IFSC code for credit card payments provided by your issuer. Incorrect details can delay payment or lead to issues. 

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