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.
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.
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.
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.
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.
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.
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.
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.
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.