Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Bank of Baroda Credit Card Bill Payment

    Bank of Baroda offers a multitude of credit card bill payment options to customers, enabling them to perform transactions without any hassles. Users can choose any method of payment according to their convenience and pay outstanding bills as per the due date. The online payment modes available to Bank of Baroda credit card holders can use the following offline payment options - Cheques, Auto Debits, Drafts or Cash payments at branches.

    Bank of Baroda Credit Card Bill Payment - Online modes

    The following online payment modes can be used by Bank of Baroda credit card customers:

    • Payments through BillDesk:

      Payments through BillDesk can also be done by Bank of Baroda credit card customers. In order to make use of this facility, customers have to hold an online ID, available on the credit card bill. To pay credit card bills, users have to first register with BillDesk, free of cost. BillDesk offers this service only in select cities currently.

    • Online payments:

      Bank of Baroda customers can also make payments by logging into their net banking accounts after registering on the web portal. Customers have to use the username and password issued by the bank to access their accounts and make payments.

    • Visa Bill Pay:

      Visa Bill Pay services offer a very easy and convenient platform to make payments towards any Visa BOB credit card. Customers can make either or one-time payments or set instructions to make scheduled recurring payments towards their bills.

    • Insta Pay:

      Bank of Baroda credit card bills can be quickly repaid using the BOB Cards Insta Pay service provided through net banking. Customers can pay their bills through Insta Pay without even logging into the BOB portal. Users have multiple options to choose from as over 50 banks across India currently participate in this service.   To make a payment, customer must select Insta Pay, enter the BOB credit card number, enter the verification code, confirm the card holder’s name, enter amount, mobile number and email address. Then the preferred bank through which the payment has to be paid has to be chosen, Customers have the option of using wither Other Bank Net banking services or Bank of Baroda net banking services. Once the payment transaction has been completed successfully, customers will receive the confirmation receipt. The payment done by the customer will be available in the card account in two working days.

    • National Electronic Fund Transfers – NEFT:

      Customers can also make outstanding credit card bill payments through NEFT transfers up to an amount of Rs. 1,00,000. The details that have to be mentioned while making the transfer are as follows -

      1. IFSC Code - BARB0COLABA
      2. Payee Account Number/ Beneficiary account - 16 digit credit card number
      3. Account Number (From where the payment is being made)
      4. Bank Name - Bank of Baroda
      5. Branch - Colaba
      6. Location - Mumbai
      7. Transaction Type - NEFT
      8. Amount to be paid
    • RTGS payments:

      Bank of Baroda customers can also make Real Time Gross Settlement (RTGS) payments towards their credit card bills for amount up to Rs. 1, 00,000. While performing RTGS transactions customers have to mention the IFSC code - BARB0COLABA and the sixteen digit credit card number in the beneficiary account field.

    • Self-Service Portal
      • You can pay your credit card bill for Bank of Baroda via the self-service portal of the bank.
      • You can visit the website at
      • Enter your user name and the captcha.
      • Click on ‘Proceed’.
      • The website will guide you with the next few steps.
    • Razor Pay and Scan & Pay

      You can use the bank's payment link solution which is powered by Razorpay. This helps you use the hassle-free and secure online bill payment method offered by Bank of Baroda.


    • Paytm mobile app users can pay BOB credit card bills without any hassle. Paytm offers various options through which you can make the payment such as Paytm balance, from saved cards, using BHIM UPI ID, or net banking account.
    • Bill payments towards all Visa, MasterCard credit cards issued by all major banks are being accepted by Paytm.
    • These instructions would help you pay your BOB credit card bill through Paytm.
      • Login to your Paytm app
      • Click on 'Credit Card'
      • Enter your Credit Card number
      • Select card issuer
      • Enter the bill amount
      • Click on 'Proceed'
      • Select the payment mode -'Paytm Balance' or 'Saved Cards' or 'BHIM UPI' or 'Net Banking'
      • You will be redirected to the respective payment interface to continue your payment
      • Enter the required information to process the payment
    • Based on your source, the payment processing time would vary.


    • Open PhonePe app.
    • Go to ‘Recharge and Pay Bills’ section.
    • Go ‘Financial Services & Taxes’ section.
    • Click on ‘Credit Card Bill’.
    • Enter your ‘Credit Card Number’.
    • Click on ‘Confirm’.
    • You can view your credit card bill.
    • Finally pay your bill through UPI.


    • Open Mobikwik app.
    • Go to ‘Recharge and Bill Payment’ section.
    • Enter your credit card number and bill amount.
    • Choose your preferred payment mode.
    • Tap on the ‘Payment’ tab to proceed for the payment.

    Bank of Baroda Credit Card Bill Payment - Offline modes

    The following offline payment modes can be used by Bank of Baroda customers:

    • Cash:

      Payments through cash can be made at any Bank of Baroda branch with the sixteen digit credit card number being mentioned in the deposit slip. Customers can also receive an acknowledgement from the bank for their payments.

    • Cheque:

      A local cheque can be deposited at any Bank of Baroda branch, with the sixteen digit credit card number being mentioned in the deposit slip.

    • Auto Debit:

      The Auto debit feature can be used by Bank of Baroda customers to make payments for their outstanding bills from their savings or current accounts. To activate the Electronic Clearing Service, customers have to submit the filled-in Auto Debit form to the nearest Bank of Baroda branch.

    Bank of Baroda Credit Card Statement

    To receive e-statements, customers have to register their email addresses and mobile numbers with Bank of Baroda. BOB credit card holders can login to their net banking accounts and access their monthly statements online.

    FAQs on Bank of Baroda Credit Card Bill Payment

    1. How does Bank of Baroda process scheduled Auto debit payments?

      Auto debit payments will be processed on the planned date, with the account being debited as per the standing instructions set and will be done before the cut-off time set by the bank.

    2. Can Bank of Baroda customer check the status of their payments online?

      Yes, the status of completed payments can be checked under the ‘View Payments made’ tab. Other ‘Pending’ payments can be viewed under the Bill Pay home page 'Alerts' section.

    3. Can customers generate receipts for their completed payments online?

      Yes, under the ‘Show Payments made’ section customers can view all their past payments. To generate a receipt, they have to click on the particular bill to generate an e-receipt.

    4. Does Bank of Baroda have any payment limit, when credit card bills are paid online?

      Yes, customers have to pay either the Total Amount Due or lesser or the minimum amount due as mentioned in the credit card statement.

    5. Can Bank of Baroda customers make payments for their credit card bills while they are outside India?

      Yes, Bank of Baroda credit card bill payments can be made from any location using net banking services.

    6. How do I set up standing instructions for my credit card by Bank of Baroda?

      For setting standing instructions, you should download a form that is available on the Bank of Baroda website and then submit this to your Bank of Baroda home branch.

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