Bank of Maharashtra Credit Card Bill Payment

Bank of Maharashtra is among the top banks in the country who offer a wide range of financial products suited to the needs and requirements of the customers. The credit card is one of the major products the bank offers.

The Bank of Maharashtra has tied up with the State Bank of India to offer two credit cards. It is essential to make timely payments of your credit card bill in order to maintain a good credit report. Here are the options which are offered by the Bank of Maharashtra to its customers to pay their credit card bills.

Methods To Pay The Bank Of Maharashtra Credit Card Bill Online

1. Bank of Maharashtra Net banking:

   Net Banking is available as a credit card payment option for all customers. The steps to be followed to pay the credit card bill through net banking are:

   • Log in to your net banking account.
   • Select the 'credit card' tab and click on your registered credit card. To register, you need to enter your credit card number and other details.
   • Add the bill amount and click on the 'pay' option. The money will then be debited from your account and you will receive an e-mail confirmation.
   • If, you do not hold a BOM account, log in to your savings bank net banking account and click on 'credit card'.
   • From the list of option, click on the 'pay' option. You cannot make payments without card registration.
2. Paytm:

   Paytm allows you to pay your credit card bills. In order to pay your credit card bill through the Paytm app or website, here are the steps which you need to follow:

   • Click on credit card, under the category of 'recharge and bill payments' after logging in to Paytm.
   • Enter your credit card number and the bill amount.
   • Select the mode of payment which can be through your Paytm wallet or any other savings account which is already linked to your Paytm account.
3. NEFT:

   A common method by which people pay their credit card bill is through NEFT. Here are the steps to follow in order to pay your credit card bill through NEFT.

   • Visit the Bank of Maharashtra website and then log into your account.
   • Click on the credit card tab.
   • Choose the 'payment' option. Register your credit card by adding the card number and the IFSC code.
   • After the card is registered, select 'NEFT' payment to pay the bill.
   • Enter the credit card bill amount and click on 'pay'. The amount will be debited from your account and you will receive an e-mail confirmation.
4. BillDesk:

   BillDesk is an online website which allows you to make all kinds of payments, including credit card bills. To pay your credit card bill through BillDesk, here are some of the steps you need to follow:

   • Register with BillDesk. You can then receive bills and make online payments.
   • Choose your billers and payees from the list in the website so they will send you an e-mail copy of your bills.
   • At the end of every month, biller will raise and send you the bill through e-mail.
   • You can then authorize BillDesk to pay the bill amount of your credit card.
   • After the payment is made, you will get an e-mail confirmation about the same.
5. Auto-debit:

   Auto-debit is among the most common methods to pay your credit card bill. In this method, the payment for the credit card is automatically debited from your savings account on the due date.

   • You can opt for the auto-debit form of payment when you are applying for a credit card.
   • Submit your savings account details such as the account number.
   • At the end of the billing cycle, Bank of Maharashtra will debit the bill amount directly from your registered savings account.
   • If opted for in the middle of a billing month, the bill amount will be subjected to auto-debit from the following month.
6. Bank of Maharashtra Mobile Banking:

   The mobile banking facility is also available for customers in order to pay their credit card bill. Here are the few steps you need to follow to pay the credit card bill through mobile banking:

   • Click on the credit card tab. From the drop-down, click on 'payment' after logging in to the mobile app.
   • You must register your credit card by entering the card number and other details.
   • Enter the bill amount and click on the payment option. Once the money is debited, you will receive an e-mail confirmation.
7. UPI:

   Credit card bill can be paid through UPI as well. Here are the steps which need to be followed to pay your credit card bill with UPI:

   • You will need to download the BHIM app through the phone.
   • Activate BHIM with the mobile number which is registered with your bank accounts.
   • Create a UPI account along with a security pin in order to make access more secure.
   • Add your bank account from which the money must be debited.
8. RTGS:

   Real Time Gross Settlement is a type of online payment for your credit card bill. RTGS payment is applicable if your credit card bill is more than Rs.2 lakh per day.

   To pay the bill through RTGS:

   • Log in to your net banking account and register your card.
   • You can pay your bill amount by selecting RTGS payment.

   RTGS is a form of payment offered by all net banking services.

Methods To Pay The Bank Of Maharashtra Credit Card Bill Offline

1. Cheque Payment:

   Cheque payment is available for Bank of Maharashtra account holders as well as non-BOM account holders.

   • Write a cheque which will include the credit card account number, the date and the bill amount.
   • Submit the cheque directly at your bank branch or at a nearby drop box.
2. Cash:

   To pay your credit card bill through cash, visit the branch of the bank and fill a cash deposit form. The deposit form must include the credit card number, bill amount and the denomination of the notes. After filling the form, submit it to the bank.

3. Draft:

   The credit card payment can also be made with a demand draft. The demand draft will need to include your credit card number and the bill amount. It will need to be submitted at the branch of Bank of Maharashtra. A draft payment takes up to 3 working days to get cleared.

4. ATM:

   Payment of credit card can also be done from an ATM. You will have to visit an ATM and select the option 'deposit' and not withdrawal. Enter the credit card number or the account number. Deposit the bill amount after that and click on submit. It is advised to check the ATM before depositing the amount as not all ATMs accepts deposits.

5. NEFT:

   NEFT is also available offline as a mode of payment. Visit the bank branch of Band of Maharashtra or your savings account branch. You need to speak with a bank official once you visit the branch and they will help you make the payment.

6. Phone Banking:

   Phone banking is also an option which can be used to pay the credit card bill of Bank of Maharashtra. It is an offline method.

   • Call the customer care bank from your registered mobile number.
   • Provide your date of birth for identification as well as your phone number.
   • The phone banking official will then make the payment on your behalf while being on call with you.

FAQs on Bank of Maharashtra Credit Card Bill Payment

1. What is Bank of Maharashtra's helpline number to get help for my credit card?

   The helpline number of Bank of Maharashtra is 1800-233-4526 and 1800-102-2636.

2. What issues can be resolved by calling the Bank of Maharashtra helpline for credit cards?

   You can address any issues or grievances you have with your credit card by calling the Bank of Maharashtra helpline number for credit cards. This can be anything from reporting a lost card to reporting fraudulent transactions or a stolen card. Requests to block or unblock a credit card can also be done by calling the helpline number which is 1800-233-4526 and 1800-102-2636.

3. How do I pay my Bank of Maharashtra credit card bill online?

   You can pay your Bank of Maharasthra credit card bill online by visiting the bank's official website, navigating to the page for credit cards, and clicking on the link at the bottom of the page that says, ''BoM Credit Card Bill Payment''. You will be redirected to another page where you can make the payment after filling in the required details.

4. What are the modes of payment I can use to pay my BoM credit card bill?

   To pay your Bank of Maharashtra credit card bill, you can use your debit card, internet banking, or your UPI.

5. If I am not able to make the full payment on my Bank of Maharashtra credit card bill, what will happen?

   If you are not able to make the full payment of your total due amount, and you have outstanding balance from the previous months, the you will have to pay the finance charges which will be applicable from the date of purchase till the date of payment or the statement date, whichever is earlier.

6. Can I pay the total due amount on my Bank of Maharashtra credit card bill by EMI?

   No, the entire outstanding amount in your credit card bill statement cannot be converted into an Equated Monthly Instalment (EMI). You can pay by EMI on individual transactions made using your Bank of Maharashtra credit card. Each purchase transaction has to be converted into an EMI separately, where it is converted into a loan for a fixed tenure of months chosen by you. The tenure can be three, six, nine, 12, 18, and 24 months.

7. What charges will I have to pay on my Bank of Maharashtra EMI conversions on credit card payments?

   For your Bank of Maharashtra EMI conversions on credit card payments, you will have to pay the rate of interest (which is currently at 1.25% per month) along with a processing fee which is 2% of the transaction amount (for a maximum of Rs.1,500 plus GST and a minimum of Rs.299).