ICICI Credit Card Bill Payment via UPI vs. BillDesk - Which is Better?

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). By using any of the available UPI payment apps, users can make instant bank transfers without any hassle. BHIM, Google Pay, PhonePe, or Paytm are the most popular UPI apps. By using UPI, you can easily make payments just by scanning a QR code or using a Virtual Payment Address (VPA). UPI has become a go-to option for instant payments these days. Here are the most popular UPI apps:

• Google Pay
• PhonePe
• Paytm
• BHIM UPI
• ICICI iMobile Pay

BillDesk is a leading online payment gateway in India. It works as an intermediary between your bank account and ICICI Bank to pay your credit card bills. It supports multiple payment methods, including net banking, debit cards, credit cards, and UPI (in some cases). Through it, ICICI and non-ICICI customers can easily pay their bills. Anyone can access it via their official website via www.billdesk.com, or ICICI Bank's website. Through bill desk you can pay your ICICI credit card bills using:

• Net banking
• Debit cards
• UPI (in some cases)

Here we have compared UPI and BillDesk based on key factors such as speed, convenience, security, flexibility, cost, and accessibility to help you choose the most suitable credit card bill payment method:

• UPI: Anyone can use UPI because it has a very simple user interface. With it, you can easily pay your credit card bill within a few simple steps. Open any UPI app, go to "Bill Payments" or "Credit Card", select ICICI Bank, and enter your credit card number. It does not require you to enter credit card details multiple times or visit any additional websites.
• BillDesk: Credit card users need to visit the ICICI BillDesk URL to pay their credit card bill via BillDesk. It will ask you to enter your 16-digit credit card number and payment details every time you wanna pay your credit card bill.

• UPI: UPI has a very simple registration process. After registering your credit card, you can pay your ICICI credit card bill anytime or set reminders and enable auto-pay.
• BillDesk: BillDesk does not require you to create an account to pay a credit card bill. Users can simply visit their website at any time and make a credit card bill payment.

• UPI: UPI offers real-time funds transfer facility. Through UPI, you can make credit card payments instantly. This feature makes it ideal for last-minute payments to avoid late fees.
• BillDesk: BillDesk can take upto 1 to 3 working days to process your payment. So to make your credit card payment via billdesk, you ned to plan early to avoid charges and late fees.

• UPI: Every UPI transaction is secured via UPI PIN and two-factor authentication (2FA). Your payment is processed via NPCI's secure infrastructure to protect your sensitive information. Additionally, it does not share your card details during the transaction.
• BillDesk: BillDesk uses Secure Sockets Layer (SSL) encryption and secure payment gateways to protect your financial data. It avoids sharing your card information directly with merchants. It has been a reliable payment gateway since the past two decades.

• UPI: UPI allows you to make payments via any linked bank account. Which makes it a perfect payment gateway for ICICI and non-ICICI customers. You can choose to pay the full amount, minimum due, or a custom amount.
• BillDesk: BillDesk supports multiple payment methods, including net banking, debit cards, credit cards, and sometimes UPI. it does not have any strict transaction limits, which makes it perfect for paying larger bills.

• UPI: Many UPI apps allow users to set up reminders for due dates. Which is very helpful for users to avoid late fee and penalties.
• BillDesk: BillDesk does not have no built-in reminder or auto-pay features. They can only track their due date manually.

• UPI: UPI offers quick resolution for customers queries via in app support. Refunds can take from 2-3 days.
• BillDesk: To resolve any issue customer needs to raise a ticket manually via BillDesk or ICICI. Refunds for failed transactions can take from 5–7 working days.

ICICI credit card holders can also use the following payment options:

• Net Banking: Instant payments via ICICI's portal.
• iMobile Pay App: Quick payments for ICICI customers.
• NEFT: Use IFSC code ICIC0000103 and your card number as the account number.
• CRED: Offers rewards and cashback.
• Bajaj Finserv: BBPS platform with multiple payment options.
• ATM or Cheque: Offline options, though slower and less convenient.

• Choose UPI if: You are looking for a payment mode that can instantly process credit card payments for free or at a nominal cost. UPI is perfect for hassle-free last-minute payment.
• Choose BillDesk if: you prefer a web-based platform instead of mobile payment nd looking to pay large amounts without upper limits. BillDesk also allows users to make payments via multiple platforms (e.g., net banking or debit cards).

Both UPI and BillDesk are excellent options for making ICICI credit card payments. They offer different features, such as speed, mobile convenience, and low cost. Billdesk allows multiple payment modes, and users can easily pay large amounts. On the other hand, UPI comes with an instant payment facility, a simple and user-friendly interface, along with no need to enter details every time you need to pay your ICICI credit card bill. Enter your card details once and enable reminders for the due date, and never miss a payment.