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

    With more than 30 million credit card users, India is one among the countries having most number of active credit cards. As the demand for credit cards has been on rise, credit card companies are compelled to provide better services to attract more customers to their products.

    Credit card bill payments being one of the important aspects in credit card management, banks and credit card companies are coming up with new ways to make it fast and convenient for customers. With more and more customers opting for convenient and easy to use channels, the banks are offering both online and offline payment modes to provide a range of options for the credit card holders.

    Paying credit card bill using a debit card is one of the options offered by quite a few banks. As every wallet today has a debit card, paying credit card bill using a debit card is more convenient for the cardholders.

    One interesting thing about debit card payment is that cardholders can use both online and offline modes to pay the bill. However, only a few banks allow debit card payment through both the channels.

    Paying Credit Card Bill Using A Debit Card (Online)

    The most common online method that banks offer you to pay your credit card bill using a debit card online is through a payment portal or an online channel that exclusively allows debit card payments.

    For instance, ICICI provides ‘Click to Pay’ facility that accepts online debit card payments only for ICICI debit card users. While some banks accept other bank debit cards as well, others accept their own debit cards only.

    Another method which indirectly accepts debit card payments online is the net banking facility of other banks. The channel is especially helpful when you want to make one bank’s credit card bill with another bank’s debit card.

    The net banking facility, however, may not allow you to make payment directly with the debit card, but allows you to pay from the account linked to the debit card, provided you’re registered for the facility with your bank.

    Paying Credit Card Bill Using A Debit Card (Offline)

    One popular offline method to pay your credit card bill using a debit card is to pay through the respective bank’s ATM kiosk. Most of the banks allow you to visit their bank ATMs to make credit card payment of their own credit cards. However, you cannot use a debit of one bank to pay credit card bill of another bank. And unlike ATM cash withdrawals, credit card payments must be done at the respective bank ATMs not at any other bank ATMs.

    For instance, if you’re paying HDFC Credit card bill, you need to visit only HDFC ATM, not other bank ATMs. And by using the ATM, you can either pay the total amount due or the minimum amount due on the card, not whichever amount you want to pay.

    Paying Credit Card Bill Using Another Bank’s Debit Card

    The option to pay credit card bill of one bank with another bank’s debit card is currently available only with a few banks. However, as mentioned earlier, you can use the account linked to the debit card to clear your credit card dues. Again, banks accept credit card payment only from selected bank’s net banking accounts.

    You can register for the bank’s net banking facility from which you would like to transfer funds to pay credit card bill of another bank.

    Benefits Of Paying Credit Card Bill Using A Debit Card

    • The online credit card payment using a debit card, just like any other online channel, is convenient, saves your time compared to other offline methods where you need to physically go and make the payment.
    • Both the online and offline modes of credit card payment using a debit card are offered free of cost by most of the banks. You don’t have to pay anything extra to use the facility.
    • Most of the banks allow you to make credit card payments using a debit card without any registration. You can directly enter your debit card details in the payment channel or use your debit card at the bank’s ATM to make payment.
    • Payments using a debit card can be made from anywhere in India and at any time. While the online channels are always open to accept credit card payments, even the offline channel like bank’s ATMs is available 24x7 at every nook and corner in the country.
    • Whether you are making a credit card payment online or offline, you are doing it through bank provided channels, either payment platforms or ATMs. Hence, you can be rest assured about the security of your information especially the sensitive data such as the card numbers, CVV, PINs, passwords, etc., which are involved in the payment process.
    • Credit card payment made using same bank’s debit cards are likely to get credited either instantly or on the same day. Therefore, those who are paying their bills on the due date can go for the option to avoid late payment fee or other charges.

    Which Banks Accept Credit Card Payments Through Debit Cards?

    As mentioned earlier, not all the banks are providing the facility to make credit card payments using a debit card. We tried to list the top banks and the different payment modes accepted by them to make credit card payments using a debit card.

    Pay HDFC Credit Card Bill Using A Debit Card

    HDFC currently offers only one credit card payment option using a debit card. In order to use the facility, you must have HDFC debit card. All other debit cards are not accepted to make payment. If you have HDFC debit card, you can visit any one of the HDFC ATM kiosks to make credit card payment. To know the detailed process of paying credit card bill using HDFC ATM.

     

    If you don’t have HDFC debit card, you can use other bank’s debit card provided you have net banking access to the account linked with the card. If you have net banking access to your savings account, you can use HDFCs ‘Bill Desk’ facility to make your HDFC credit card bill payment. For detailed instructions, click here.

     

    Pay ICICI Credit Card Bill Using A Debit Card

    ICICI is one of the banks that accept credit card payments directly through a debit card. Through its ‘Click to Pay’ facility it accepts payments through a debit card. However, the facility is currently confined to ICICI Bank debit cards only. Other bank debit cards are not accepted for payment. One advantage of the feature is cardholders having ICICI debit card can directly make payment without any registration. They just need to furnish their debit card details to make the payment. And guess what, your payment will be processed instantly to your credit card account. To know the complete process of ICICI Credit Card Bill Using A Debit Card.

    Offline payment modes accepted by ICICI Bank include paying through ICICI ATM or by calling ICICI customer service.

    Pay SBI Credit Card Bill Using A Debit Card:

    SBI Card, the credit card division of State Bank of India (SBI), allows its credit cardholders to clear their outstanding dues using debit cards of selected banks. Through its ‘PayNet’ facility, the bank accepts credit card payment using debit cards of 11 banks including SBI debit card.

     

    About the offline channels, SBI Credit cardholders can walk in to any SBI ATM to pay their credit card bill. However, to use the facility you need to have SBI Debit Card. For detailed process of sbi credit card payment through debit card.

     

    Pay Axis Bank Credit Card Bill Using A Debit Card:

    Axis Bank allows its credit cardholders to clear outstanding dues on their card using a debit card. However, in order to avail the facility, you need to have Axis Bank Debit Card. If you have one, you can walk into any Axis Bank ATM to make the payment. For step-by-step guide to make Axis Bank Credit Card payment using a debit card.

    While different banks offer different payment channels, banks in India are still evolving to serve their customers better. In their endeavour to achieve higher customer satisfaction, we can expect them to come up with more easy and convenient methods for making credit card payments using a debit card.

      

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    Credit Card Bill Payment through Other Bank Debit Card Reviews

    • Bank Bazaar Credit Card
      "Got my free credit card through Bank bazaar"
      0.5 5.0/5 "Blown Away!"
      I got my new credit card from Bank bazaar based on my credit score . When I am checking free credit score in their portal , I got a call from the sales team . Based on my score there was a life time free card is available . Then I decided to go with this card .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about this bank bazaar service through on line,i am happy with their service and i have applied for credit card from them, i have not faced any issue or difficulty in that getting my credit card, whole process when smoothly and i have used mobile application it is easy to access.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have one more credit card last two years from punjab national bank , this is free card , but I am not satisfied with credit limit just 10k after using 1.6years then increase only 10k , now credit limit is 20k , and their customer service is good ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Their customer service is not good I try but every time call is not going , I have taken one RBL credit card here is credit limit is 45k not much happy ,last one years I have this credit card , I am not getting any offer , and I dont know this is charges or free , but I am satisfied with this credit card ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Not upto the expectation"
      0.5 3.0/5 "Satisfactory"
      Yes bank has not given me the expected credit limit when I was promised before buying this credit card . I am not received any promotional offers for this card . But the executive has given big hype about having and using this card . There will be huge credit limit and so many offers will be available .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I came to know about bank bazaar service through on line, this is my first time i have been availing their service, their website is good, but one thing i would like to suggest them is that stop doing too much of spamming call, i use to get too much of call from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Need improve their customer care"
      0.5 5.0/5 "Blown Away!"
      I am happy with the service of RBL bank, but i am not happy with their customer care service they are not up to the mark, as i use to get too much call a day i use to get call up to 40-50 times, and there is language barrier as well, they do not speck English properly,i have been using this card from past one and half years,but from last 3 months i face this issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Outlets should be increase"
      0.5 3.0/5 "Satisfactory"
      I hold Amex credit card from long time, but i am not happy with the card, their service is good, but it is not useful for me, they should increase in many outlet this card, even i do transaction in on line, i could not do online transactions as it use to show as invalid offers for amex card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about bank bazaar service through on line, this is my first time i have been applied for their service, their mobile application is good,it is user friendly application, but one thing i would like to suggest them is that they should reduce the call flow.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Overall experience is good"
      0.5 4.0/5 "Great!"
      The customer services and response is good at Bankbazaar. I got regular messages about the updates. The website is good and it is easy to use and understand. There were follow up calls as well. It was easy to get the details of the banks and their offers too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Indusind bank credit card for recently, they have not charged me annual fee as it is life time free credit card, i am not happy with the credit limit they have given me less credit limit, like they said 75,000 i will be getting so far but after that they have just given me 50,000 as an limit, the reason for choosing this card is for their offers for shopping and movie tickets, there was much delay in getting loan, there was wrong information was given , the pin got generated after 15 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I came to know about bank bazaar through my friend because this is the good financial product, so once i download the app i repeatedly getting calls from bank bazaar, i would like to suggest to get minimum the calls. The best part of bank bazaar which i would like to share is providing the amazon voucher offer.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI credit card from long time, They have not charged me annual fee, they use to give good offers in shopping, i am happy with the credit limit which they have given to me, they use to give good offers based on my requirement so far i did not face any issue.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "High level customer service"
      0.5 3.5/5 "Pretty good"
      Bank bazaar has proved strongly they are the masters of digital shopping . They know the nook and corner of the business strategy . I am so thankful for the bank bazaar customer service and guiding me a correct credit card according to my taste .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Completely disappointed with the credit limit"
      0.5 2.0/5 "Expected more"
      Highly disappointed with the American express service . When I am taking a card with very high interest with them they given a credit limit of only 25 k. I though it was a international credit card, their limit also will be in higher scale . But complete collapse of my dream .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
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