Credit Card Bill Payment in India

Credit cards are an important part of how we manage our money nowadays. They let you buy things online or in stores without using cash. But remember, every month, you get a bill for everything you bought with your credit card. You have to pay this bill by a certain date. If you don't pay your bill on time, you'll be charged extra money called interest and sometimes a late fee. That's why it's a good idea to always pay your credit card bill on time.

Banks make it easy for you to pay your credit card bill. You can do it in different ways. Let's look at these ways in more detail.

How to Pay Credit Card Bills Online

The internet has made banking much simpler. It's now easy to buy things online and pay for them online too. This has made it much easier to pay your credit card bill using the internet. Here are some ways you can do it:


UPI (Unified Payments Interface) is one of the simplest ways to pay your credit card bills. Each user has a unique Virtual Payment Address (VPA), which works like a username for sending or receiving money. When you're ready to pay your bill, you just need to enter the recipient's VPA to send the money. Many credit card issuers offer this option, allowing you to pay your bills by simply entering the VPA.

Additionally, you can use popular apps like Cred, Google Pay, and PhonePe to pay your bills through UPI. These apps make the process even more convenient and user-friendly.

Mobile Banking

Banks have improved their websites to work well on mobile phones. This means you can access your bank account from any mobile device with an internet connection, using the mobile site. The interface of a mobile banking website is easy to use, allowing you to conveniently make credit card bill payments. Similar to internet banking, you can log in to your mobile banking account and authorize the payment to settle your credit card bill. It's a simple and convenient way to manage your finances on the go.

Mobile Application

Banks have also introduced mobile applications to simplify banking for users. These apps can be used to make credit card bill payments as well. All you need to do is download the mobile app, log in using your unique customer ID and password, and select the credit card payment option to pay the required amount. You can make payments from anywhere, at any time of the day, using these mobile apps. The mobile apps of reputable banks are available on all major mobile operating systems, including Android, iOS, and Windows, ensuring accessibility for a wide range of users.

Phone Banking

To use this option to pay your credit card bill, you need to call your bank's phone banking helpline. You'll request a fund transfer to cover your credit card bill. The IVR (Interactive Voice Response) system or the phone banking officer will ask for some personal details to verify your identity. The phone banking hotline is usually available 24/7, every day of the year. It's a convenient way to manage your credit card payments over the phone.

Visa Money Transfer

Also referred to as Visa Credit Card Payment, this innovative service enables the transfer of funds from a customer's bank account to any Visa credit card issued in India. With this facility, it's possible to transfer money within 3 business days to settle the credit card bill, specifically for those credit cards powered by Visa. There is usually a nominal fee charged by the initiating bank for utilizing the Visa Money Transfer facility. Additionally, there's a transaction limit set for each Visa Credit Card Payment transaction, typically capped at ₹ 49,999. This service offers a convenient way to manage credit card payments, especially for those who prefer direct transfers from their bank accounts.


ECS (Electronic Clearance Service) is another way to pay your credit card bill. It works like the auto-debit method where you authorize your bank to deduct money from your non-credit card bank account every month to pay your credit card bill. With ECS, you have the flexibility to choose whether to pay the minimum due amount, the total amount due, or a fixed amount each month. It's a convenient way to ensure your credit card bills are paid on time without having to manually make the payment each month.

Debit Card

You can also use your debit card to pay off your credit card bills. However, not all credit card issuers provide this option. It's important to check with your bank beforehand if you plan to use your debit card for credit card bill payments. Some banks offer this facility, but it's always best to confirm to avoid any inconvenience.

Standing Instructions/Auto Debit

You can also set up standing instructions on your savings or current account to automatically deduct the credit card payment amount. Just like with other payment options, you can choose to pay the full credit card bill or only the minimum amount due each month on a specified date or the payment due date.

This method ensures that you never miss a credit card bill payment or incur late fees as long as there are sufficient funds in your bank account. It also removes the burden of having to manually track each credit card bill, as the payment is automatically processed to your credit card account. It's a convenient and hassle-free way to manage your credit card payments.

Bill Desk

Banks have partnered with online payment companies to make paying your credit card bill easier. It's a secure and convenient way to transfer money from any bank account to your credit card account. When you choose your bank and enter your card details and the amount you want to pay, you'll be directed to your bank's payment page. Here, you'll need to authenticate the transaction before making the final payment. This usually involves receiving a one-time password (OTP) sent to your registered mobile number or email address.

Online Banking/Internet Banking/Net Banking

Paying your credit card bill through online banking is quick and easy. This method, also known as internet banking or net banking, allows you to make payments through online account transfer. Here's how it works:

  1. Log in to your card issuer’s net banking portal using your customer ID and password.
  2. Go to the bill payment section and select internet banking as your payment method.
  3. You'll be redirected to the internet banking facility of the bank you want to use for the payment.
  4. Choose whether you want to pay the minimum due amount, the total amount due, or an amount in between.
  5. The payment usually takes 3-5 business days to process.

It's a convenient way to manage your credit card payments from the comfort of your own home.

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NEFT (National Electronic Fund Transfer) allows you to transfer funds from one bank account to another across the country. You can use NEFT to pay your credit card bill as it enables electronic fund transfers from any bank branch to an account with any other bank branch in India. Here's how to do it:

  1. Log in to the online banking portal of the bank you want to use for the payment.
  2. Select NEFT as the mode of payment and add the beneficiary. Use your credit card number as the payee account number, and you can find the IFSC code on your credit card issuer’s website.
  3. If you're unsure about the IFSC code, you can call the customer care department of the bank to find out. Make sure to enter all the details correctly and proceed with the payment.
  4. NEFT payments made during working hours are credited on the same day, while those made after working hours are credited on the next business day.

How to Pay Credit Card Bill Offline

There are still a few ways to make payments offline, but they're generally slower compared to online methods. These payments can take 2 or more days to show up on your account. Here are the most common offline methods:

Cash Payment

You can pay your credit card bill with cash directly at a branch of the bank that issued your card. When you pay cash at the branch, it usually shows up in your account by the end of the business day. However, if you use a bill payment service, it might take 1-2 working days for the payment to reflect. Apart from these methods, some banks provide a collection service for their premium customers. A bank representative comes to your home or office to collect the payment in person. Payments are typically accepted as cheques or cash. While it's nice to have this option, it's rarely very convenient. Payments made this way usually take the same amount of time as the payment method used, plus an extra working day. Additionally, you might have to pay a small fee to use this service.

Cheque Payment and Demand Draft

The traditional method of paying bills is still an option for credit card payments. You can write a cheque or get a demand draft with your credit card number listed as the payee name. Then, you can drop off the payment at the bank, in special check drop-boxes, or sometimes even at the ATMs of the issuing bank. However, this method is the slowest. It may take over a week for the payment to show up in your account.

Credit Card Bill Payment by Banks

Know how to pay credit card bills of different banks.

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