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Credit Card Bill Payment Online

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How do you make credit card payments? Is it online or offline? If online, what type of internet banking payment methods do you use? A majority of credit card users prefer making credit card bill payments through internet banking today.

Remitting credit card bills through internet banking is preferred over other means of payments in several ways. It is simple and convenient. Payments through internet banking can be through mobile banking, auto debit, electronic bill payments, debit cards, national automated clearing house, RTGS, IMPS and NEFT. Each of these online payment options has its own advantages. Let’s understand how IMPS and NEFT work.

What is IMPS?

IMPS stands for Immediate Payment Service (IMP). It is an internet banking payment system that instantly transfers funds among partner banks electronically in the country. The service can be accessible 24/7 is offered even on bank holidays, unlike other options. Funds are electronically transmitted amid member banking institutions via mobiles.

In India, National Payment Corporation of India (NPCI) manages IMPS, which has designed based on the prevalent National Financial Switch network. Funds can be transmitted and received through the system of IMPS utilising Mobile Money Identifier and authorised mobile numbers.

Credit Card Bill Payment Through IMPS

Credit card bill payment through IMPS is one of the most commonly used internet banking payment methods. The system fosters immediate fund transfer and can be accessible through several modes, including mobiles, Automated Teller Machines (ATMs), online banking or internet banking, bank branches, and SMS. It assures the 100% safety of credit card payments and is also economical. To be a partner banker of this system, banking institutions should have obtained a legal banking license from the Central Bank of India, which is the Reserve Bank of India.

IMPS Participants

The participants of the IMPS system include payers or remitters, bankers, National Financial Switch and beneficiaries or receivers. Payers are the parties making payments. In our context, they are credit cardholders. Receivers or beneficiaries are the parties to whom funds are transmitted. In our case, they are billers. Banks are the financial intermediaries that connect credit card bill payers to billers.

Credit Card Bill Payment Through IMPS- How Does The System Work?

Credit card payments are also called as merchant payments. Transactions can be clustered into two categories, which include merchant initiated transactions; also called as PULL or M2P, and customer initiated transactions, also called as PUSH or P2M. In case of P2M, transactions shall be initiated by credit card bill payers via member banking institutions. In case of M2P, transactions are initiated via merchant apps like mobile apps, the website of merchants, WAP site, etc. Such type of transactions require credit card bill payers to provide the registered contact number, OPT and MMID.

How To Pay Credit Card Bills Through IMPS

  • The first step is to download the mobile application of your banking institution. For instance, you have to download the mobile application of ICICI Bank if you hold a bank account with this banking entity.
  • Once you download the mobile application, you have to login to mobile banking using credentials.
  • Click the ‘Bank Account’ button. You shall be provided with a link for the IMPS payment option.
  • Click the ‘IMPS’ button and choose the ‘Merchant Payment’ button.
  • Furnish the necessary financial details such as MMID, the contact number of billers, and your bank account from which funds are transferred, the billing amount, and your credit card number.
  • Finally, hit the ‘confirm’ button. The transaction is successful!

Why Make Credit Card Payments Through IMPS

  • Payments can be made instantly, which means your biller’s accounts are immediately credited.
  • You can access this facility anytime anywhere.
  • The system is not expensive in terms of payment charges like mentioned earlier.
  • The system is faster in terms of the processing of payments and is reliable as well.
  • The IMPS system is convenient and customer-friendly.

How To Make Credit Card Payments Using An IFSC Code

  • Log-in to your internet banking using your credentials.
  • Click the ‘Payment and Transfer’ button.
  • Choose ‘Payee’ and ‘IMPS-IFSC’. Note: Payees can be chosen from the list of itemised payees.
  • Furnish details such as the billing amount for your credit card, credit card number, etc.

Top Five Banks Offering The IMPS Payment Facility

Credit Card Bill Payment Through NEFT

Credit card bill payment through NEFT is another internet banking payment option. NEFT stands for National Electronic Funds Transfer. Being a country-wide remittance service, NEFT enables the payment of credit card bills electronically amid member banking institutions. Credit card payments initiated by credit card users shall be processed in batch-wise under the NEFT internet banking payment system. Like IMPS, the NEFT payment system is administered by the Reserve Bank of India (RBI), which commenced this facility in 2005. If sources are to be entrusted, the facility shall be offered by 101 banking companies at 74,680 bank divisions in India.

Participants of NEFT

The participants of the NEFT payment system include 1) beneficiaries, billers in our context; 2) payers, credit cardholders in our context; 3) banking companies, the financial intermediaries between billers and payers in our context; and 4) the payment network, which is administered by the RBI.

How To Remit Credit Card Bills Through NEFT

  • The NEFT internet banking payment facility is only available to the customers, who have registered for the internet banking service. If you have not registered, be sure to be registered to avail this facility.
  • You have develop a list of credit card billers. Multiple billers can be chosen.
  • Once you have created a list of billers, then you have to choose the bank, the division of the bank, the city, and the IFSC code.
  • Finally, you have to furnish your credit card number with the billing amount.

This is how credit card payments can be done using the facility of NEFT online.

Why Make Credit Card Payment Through NEFT

The NEFT internet banking payment facility provides the following significant benefits:

  • Like IMPS, NEFT is unswerving and effective.
  • The payment charges are lower compared to pay orders or sometimes demand drafts (DDs).
  • Under no circumstances, the transactions processed through NEFT can be canceled.
  • Payments can be made within one business day from the commencement of payment transactions.
  • NEFT is completely a paperless internet banking payment method. It is convenient for customers as well.

Top Five Banks Offering The NEFT Payment Facility

  • State Bank of India
  • Citibank
  • Axis Bank
  • ICICI
  • HDFC

One of the important aspects to remember while using credit cards is to clear the outstanding dues on time.

When the credit card statement is generated, the bank sends a message with the total outstanding and the payment due date.

After that it's our responsibility to remember the due date and make the payment accordingly. If we don't pay the credit card bill on time, we must pay the late payment fee along with the associated interest. Further, all the new spending we do on the card would accrue interest till the outstanding is cleared.

All this would add up to your actual credit card bill and make it look huge. Therefore, paying your credit card bill on time is imperative to have your credit card spends under control.

Card issuers provide various online and offline channels to make your credit card bill payment with ease and convenience. However, choosing a right channel is important as the processing time varies for each.

Listed below are various online and offline modes to make a credit card payment. Not all the methods are offered by every bank or card issuer. Based on your card provider, you can choose one and plan your payment accordingly.

Methods to Pay Credit Card Payment Online

The Internet has simplified the way we bank. Almost all banks in India have the facility of Internet Banking and some others are taking help of third-party bill payment services to provide online payment channels.

Listed below are various options through which you can pay your credit card bill online.

  • Through internet banking
  • NEFT/RTGS online funds transfer
  • Through BillDesk
  • Auto debit facility
  • Mobile wallets and payment systems

Methods to Pay Credit Card Payment Offline

When you don't have access to the internet, you can use any one of the offline methods to make your credit card payment.

Listed below are various non-internet ways to make your credit card bill payment.

  • By calling customer care
  • By walking in to a bank ATM
  • Over-the-counter payment
  • By drawing a cheque or demand draft

Let's look at each method in detail.

Pay Credit Card Bill Online Using Net Banking

Credit Card payment processing time

Instant (from same bank's savings account)

One of the simplest methods to make credit card bill payment online is to use your net banking account. If you have a savings account with the credit card issuer, your job becomes much easier as you simply need to register your credit card in your existing net banking account and make the payment directly.

Even when you don't have savings account with the card issuer, you can open an internet banking account for your credit card and make payments directly from the online account.

Click the below links to know how to pay credit card bill of major banks using your net banking account.

Pay Credit Card Bill Online Through NEFT

Credit Card payment processing time

Within 1 working day

NEFT funds transfer is another online facility that allows you to make credit card bill payment using any net banking account.

Through NEFT, you can pay credit card bills of a bank using any other bank's internet banking account. The facility allows you to transfer funds from your savings account to the credit card account online.

However, before initiating NEFT funds transfer to your credit card, you need to add your credit card, towards which you're making the payment, as a 'Biller or Beneficiary'.

To add the credit card as a beneficiary, you might need specific details such as credit card number, cardholder name, IFSC code for credit card payments, bank name, branch, address, etc.

Please note that the IFSC code is unique for credit card payments. Please make sure you get the right code before initiating the payment.

Adding a new card would take 30 minutes to 24 hours based on your bank. You need to wait till the card is added and then initiate the NEFT funds transfer.

To know the process for NEFT credit card bill payment of various banks, please follow the links below.

Pay Credit Card Bill Online through BillDesk

BillDesk is an online payment platform which allows you make credit card bill payments without having any online account.

Many banks and credit card issuers use the platform to offer easy and convenient bill payment services for their customers not using the net banking facility.

Through BillDesk, you can pay credit card bills of any bank using a debit card or net banking account of partner banks.

The BillDesk platform of each bank is unique and provides different payment options. You can visit the respective payment page for the list of banks allowed for net banking transactions or debit card transactions.

The screenshot below illustrates HDFC Credit Card BillDesk page along with the list of banks it accepts for bill payment.

hdfc card card bill payment

Pay Credit Card Bill using Mobile wallets and Payment systems

The recent entrants in the industry, mobile wallets and payment systems, started offering credit card bill payment option on their platforms.

Paytm, Mobikwik, PhonePe, BHIM/UPI, etc., are some mobile payment platforms that provide credit card bill payment facility.

No separate registration is required on these platforms to make payments. You just need to download the app, link your debit card or savings account, recharge the wallet, enter your credit card details and make the payment.

This screenshot illustrates the credit card bill payment interface on Paytm.

hdfc card card bill payment

Pay Credit Card Bill Online through Auto Debit Facility

Credit Card payment processing time

On the payment due date

If you have a net banking account for your savings account, you can register for the auto debit facility and can rest assured about your credit card dues.

The auto debit facility allows you to provide standard instructions to your savings or current account-holding bank to debit the credit card bill on the same day every month.

While registering for the facility, you can choose either the minimum amount due or the total amount due.

You can register for the facility through your net banking account or by sending a written request to the bank.

Once registered, the auto debit facility will become effective from the immediate credit card payment due date.

The amount will be credited instantly on the payment due date every month.

Use the following links to know how to register for the auto debit facility of major banks.

Offline Credit Card Bill Payment Methods

Pay Credit Card Bill Offline by Calling Customer Care

Credit Card payment processing time

Instant

Some credit card issuers or banks allow you to pay your credit card bill by calling the respective customer care. However, in order to use the channel, you must have a savings or current account with the card issuer or the bank.

If your bank account and credit card are from the same issuer, you can call the customer care to pay your credit card bill.

In most cases, the IVR would guide you through the payment process without human intervention. Hence, your card details and other information remain secure.

However, not all card issuers would provide the facility. Check with your respective card issuer before making the payment.

Payments made through the customer care are typically instant.

Pay Credit Card Bill Offline Through the ATM

Credit Card payment processing time

Instant

If you have a debit card from your credit card issuer or bank, you can walk-in to the bank's ATM to pay the credit card bill.

Visit any nearest ATM of your credit card issuer with your debit card, insert your debit card into the ATM kiosk, select credit card bill payment option and follow the instructions to make credit card payment.

Usually, the bill payment through ATM is instant as the amount gets transferred from your savings or current account to your credit card account.

Pay Credit Card Bill Offline at the Bank Branch Office

Credit Card payment processing time

1 working day

If your credit card issuer is a bank with a physical office, you can walk in to the nearest branch and make your credit card payment by depositing cash.

Simply walk in to the respective bank branch, fill-in the deposit slip with your credit card details and the bill amount and submit it at the counter.

The payment will be processed within 1 working day.

Over-the-counter payments usually entail a service charge of up to Rs.100 per payment.

Pay Credit Card Bill Offline by Drawing a Cheque/DD

Another offline credit card payment method is to draw a cheque or demand draft (DD) in favour of the credit card account and drop it at any bank branch or ATM drop box.

The cheque or draft should favour the respective credit card account (write the 26-digit credit card number on the cheque) and it should also contain your name and contact number on the reverse side.

If your cheque issuing bank and the card issuer are the same, your cheque will be processed within 3 working days, if they are not the same, it will take 5 working days, outstation cheques will be cleared in 12 - 21 working days.

Hence, make sure to pay your bill in accordance to the cheque clearing timelines so that the payment would reflect on or before the due date.

Benefits of Paying Credit Card Bills Online

  • Saves time and effort: Paying your credit card bill online is quick and easy. It saves a lot of time which you would've otherwise spent on visiting the bank or ATM.
  • Convenience and comfort: Online payments can be done from the comfort of your own home or office. You can also make payments through your mobile or computer from anywhere around the world.
  • Safe and secure: Online Banking is secure with the IPIN or other ways of authenticating your identity. Banks provide safety features that ensures your privacy and identity are protected. It eliminates the risk of losing money or information in the mail or anywhere else.
  • Easy records: When you use online banking facilities, everything is recorded instantly and is available for your review anytime you need. All your information is automatically organised and available at one place. This makes it convenient when you're budgeting and filing taxes.
  • More control: You can choose to pay the minimum due, the full amount or any amount that you desire when you pay your credit card bill online. You can change your choice with each bill.
  • Eco-friendly: Making payments online saves paper, cheques, envelopes, stamps, and receipts. It also eliminates clutter when you receive all your statements and receipts electronically.

Important Tips While Making Online Payments:

  • Check your credit card statement- Before you make any payments towards your credit card bill, check your online statement. Ensure all charges to the card are correct and note the exact amount you need to pay on the payment due date.
  • Processing time - Always check the time it would take for your payment to be processed when you are paying your credit card bills. For payments made through the bank's internet banking facility, the turnover time is usually the same day. So this option can be used to make payments on the due date without the risk of incurring a penalty. Other online methods can take 1 to 5 working days.
  • Provide accurate information-Make sure you are accurate when entering your credit card number, bank account number and other details. Take the time to double-check the information you have provided and make the payment for the right amount.

Credit Card Bill Payment FAQs:

  1. What are the consequences of missing credit card payments?
  2. You should never miss paying at least the minimum amount due on your credit card. If you do miss a payment, a fee will be levied. The bank may also increase your interest rate. If you continue to miss payments after notifications and reminders, this could result in your card being blocked till the payment is made in full.

    Upon continuous default, the bank might list you as a defaulter and report your account details to CIBIL. This might impact your credit score and hamper future credit opportunities. Banks also have the right to impose legal action to recover the dues.

  3. When will I receive my credit card statement?
  4. Each bank sets different credit card billing dates. For example, if the billing date on your credit card is the 20th of every month, the bill will be generated on 20th and sent to you.

    Your statement will be sent via post or email, as per your preference. However, if the outstanding amount is less than the minimum amount or when the total due on the card is nil, you might not receive any statement.

  5. Does it mean my bill is zero if I do not receive a credit card statement?
  6. Not necessarily. If you haven't spent on your credit card, you may not receive a statement for that month. If you recall spending on your credit card or you are not sure, and you do not receive a statement, please call your bank's customer service to ensure that there is no payment to be made.

  7. Which is the fastest method to pay my credit card bill?
  8. The fastest method depends on how long your bank takes to process the payment. Generally, the fastest mode of bill payment is online banking where it is processed instantly.

  9. What is the processing time of credit card cheque payments?
  10. Cheque payments can take up to 7 working days. Outstation cheques may take up to 21 days. Hence, make sure your cheque is deposited ahead of the due date to avoid missing the payment.

News About Credit Card Bill Payment

  • Credit Card Transactions on Mobile Wallets Decline in November’18

    As per the recent date from the RBI, a total of 347.32 million mobile wallet transactions, worth Rs.16,108 crore, were recorded in the month of November against 368.45 million transactions (Rs.18,786 crore) in the previous month. 

    The transaction volume declined by 5.7% month over month while the transaction value was 14% lower. 

    The decline in the transactions is attributed to the shut out of mobile wallet companies due to Aadhaar-based identification to sign-up new customers in those months.  

    Ever since the Supreme Court has given its judgement to use of Aadhaar only for welfare schemes and delivering state subsidies, some wallet companies moved to an offline identification mechanism. This resulted in the rise of authentication costs from Rs.15 per person under e-KYC, to Rs.100-150 per person for a physical KYC. 

    Hence, the mobile wallet companies mentioned the decline in the transactions is due to the restricted on-boarding of customers. Another reason could be the increased popularity of UPI-based wallets, opined the industry experts.  

    Credit card and debit card transactions also declined with their volume going down by around 4% to 1,362.14 million in November from 1,424.97 million in October. On the other hand, the value of the transactions decreased by 5% from Rs.4.04 trillion in October to Rs.3.84 trillion in November.  

    RTGS payments have also seen a drop by around 7.6% to 10.97 million in November from 11.86 million in October.

  • Xiaomi’s new digital payment app allows credit card transactions

    Smartphone manufacturer Xiaomi is ready to provide its digital payment services application and has also launched the Mi Pay app in India. However, at present, the app is available to beta users only. The company has also obtained the required clearance from the National Payments Corporation of India (NPCI).

    For rolling out the Mi Pay application in the country, the company has tied up with PayU payment gateway and ICICI Bank. It would compete with existing payment applications like Google Pay, PayTm, etc. An interesting aspect of the Mi Pay application is that apart from transactions via UPI, it would also allow transactions via debit cards, credit cards, and net banking.  

    For carrying out transactions using the app, users would be able to scan the QR codes. Using this platform, people would be able to pay for their digital and mobile recharge and water and electricity bills. Using the application, users would be able to check their balance, send payment requests to other people, and reset their UPI pins for bank accounts.

  • Credit Card POS machines at all government institutions by 31st December

    By 31st December, this year, all government departments in Kerala as in government educational institutions, hospitals and other organisations will be equipped with card swipe machines to accept credit card debit card payments, as per the orders passed by the state Finance Department.

    Currently, many government offices in the state are accepting other modes of digital payments such as internet banking and payment gateways. But they are not upgraded to accepted credit card and debit card POS payments, payments through BHIM and UPI apps, Bharat QR Code, etc.

    With the new mandate, all the government organisations including government aided colleges, PSUs, government-controlled educational and health institutions will be upgraded to accept credit card and debit card payments.

    Departments accepting utility bill payments should accept payments on Bharat Bill Payment System (BBPS), Bharat QR and other digital modes, said the department. The 31st December deadline is, however, mandated for specific departments including Motor Vehicles Department, Kerala Water Authority (KWA), Kerala State Electricity Board (KSEB), Kerala State Civil Supplies Corporation, Consumer Federation, and the Kerala State Road Transport. These organisations will make provision for both card payments and digital payments.

  • Credit Card POS machines at all government institutions by 31st December

    By 31st December, this year, all government departments in Kerala as in government educational institutions, hospitals and other organisations will be equipped with card swipe machines to accept credit card debit card payments, as per the orders passed by the state Finance Department.

    Currently, many government offices in the state are accepting other modes of digital payments such as internet banking and payment gateways. But they are not upgraded to accepted credit card and debit card POS payments, payments through BHIM and UPI apps, Bharat QR Code, etc.

    With the new mandate, all the government organisations including government aided colleges, PSUs, government-controlled educational and health institutions will be upgraded to accept credit card and debit card payments.

    Departments accepting utility bill payments should accept payments on Bharat Bill Payment System (BBPS), Bharat QR and other digital modes, said the department. The 31st December deadline is, however, mandated for specific departments including Motor Vehicles Department, Kerala Water Authority (KWA), Kerala State Electricity Board (KSEB), Kerala State Civil Supplies Corporation, Consumer Federation, and the Kerala State Road Transport. These organisations will make provision for both card payments and digital payments.

  • Mobikwik Comes Up With Credit Card Payment Options For All Visa Users

    Popular digital wallet and payment service Mobikwik has announced the launch of credit card payment services on the app.

    However, this service is only available for Visa card holders and is applicable to all of customers, irrespective of the issuing bank. Mobikwik came up with this new option to offer a much better service to over 107 million of its users.

    According to sources close to the business, the app is looking to extend to service to other credit card holders as well and is working towards achieving that end.

  • You Can Now Make Secure Payments As Walmart India Activates UPI on Its Online Platform

    Walmart India is a wholly-owned subsidiary of Walmart Inc. The leading e-commerce company recently activated Unified Payments Interface (UPI) for all its registered members. Walmart stated that this new initiative will enable members, especially kiranas/resellers, who shop online at Walmart India's B2B e-commerce site www.bestprice.in, to make direct and secured payments online from their bank account without sharing bank details.

    Walmart further stated that, this will help greatly help kirana members who neither hold any credit/debit card nor have the time to visit banks for making RTGS payments.

    The company's Chief Corporate Affairs Officer Rajneesh Kumar said, "This initiative reiterates our commitment to enable small businesses, especially kiranas, prosper. This payment solution will help our members spend more time with their customers and serve them better as they do not have to step out of their stores to visit banks for making payments."

  • Soon You Could Use Your Thumb To Make Payments At Fuel Stations

    According to the Dainik Jagran Report, Indian Oil Corporation has joined hands with IDFC Bank and Oxigen Micro Agency to launch a facility that will allow commoners to use their thumb impression to make payments at fuel stations. Recently, Indian Oil Corporation had already installed two Micro ATM machines in Bhopal and plans to extend this facility across India.

    Oxigen Micro ATMs is a PoS machine that allows the fuel station owners to accept payments through various channels apart from cash. One can use this machine to make a payment using their debit card, credit card, Aadhaar Pay facility, or UPI.

    The leading fuel giant is also planning on setting up self-service fuel pumps where motorists can fill fuel themselves and pay by using their thumb impression.

  • Now, Make On-the-go Credit Card Payments On Mobikwik

    The mobile app-based payments platform MobiKwik has introduced a new type of payment service for credit cards in an effort to provide a better user experience to its user base.

    Those who use credit cards need not have to go to the bank website or the credit card website in order to make a payment towards their credit card. All one needs to do is to use the app and make payments on-the-go.

    This new facility can be used on all bank Visa credit cards and will be available on all Android phones. The main objective behind this is to convert the credit card spend market and expand on their business opportunity.

    At present, the total spends made through credit cards adds up to around 33 million, which works out to be around Rs.45,000 crore each month.

  • Now, Make On-the-go Credit Card Payments On Mobikwik

    The mobile app-based payments platform MobiKwik has introduced a new type of payment service for credit cards in an effort to provide a better user experience to its user base.

    Those who use credit cards need not have to go to the bank website or the credit card website in order to make a payment towards their credit card. All one needs to do is to use the app and make payments on-the-go.

    This new facility can be used on all bank Visa credit cards and will be available on all Android phones. The main objective behind this is to convert the credit card spend market and expand on their business opportunity.

    At present, the total spends made through credit cards adds up to around 33 million, which works out to be around Rs.45,000 crore each month.

  • Now, Make On-the-go Credit Card Payments On Mobikwik

    The mobile app-based payments platform MobiKwik has introduced a new type of payment service for credit cards in an effort to provide a better user experience to its user base.

    Those who use credit cards need not have to go to the bank website or the credit card website in order to make a payment towards their credit card. All one needs to do is to use the app and make payments on-the-go.

    This new facility can be used on all bank Visa credit cards and will be available on all Android phones. The main objective behind this is to convert the credit card spend market and expand on their business opportunity.

    At present, the total spends made through credit cards adds up to around 33 million, which works out to be around Rs.45,000 crore each month.

Other Bank Credit Card Bill Payment

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Credit Card Bill Payment Reviews

Page 1 of 50 1 2 3 4 5
  • IndusInd Bank Credit Card
    "Average service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
    Was this review helpful? 12
    , bangalore
    Reviewed on Mar 21, 2020
  • Axis Bank
    Axis Bank Credit Card
    "Good card"
    AXIS BANK
    0.5 4.0/5 "Great!"
    I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
    Was this review helpful? 22
    , kolkata
    Reviewed on Mar 21, 2020
  • IndusInd Bank Credit Card
    "Good service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
    Was this review helpful? 16
    , kolkata
    Reviewed on Mar 21, 2020
  • RBL Bank Credit Card
    "Average service"
    RATNAKAR BANK
    0.5 1.0/5 "Really Bad"
    RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
    Was this review helpful? 38
    , ranchi
    Reviewed on Mar 21, 2020
  • HDFC Bank Credit Card
    "Good service"
    HDFC BANK
    0.5 5.0/5 "Blown Away!"
    HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
    Was this review helpful? 19
    , ranchi
    Reviewed on Mar 21, 2020
  • SBI Cards Credit Card
    "Good card"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
    Was this review helpful? 33
    , gurgaon
    Reviewed on Mar 21, 2020
  • RBL Bank Credit Card
    "Excellent service"
    RATNAKAR BANK
    0.5 5.0/5 "Blown Away!"
    My RBL credit card have a credit limit of 40000 it was satisfactory, but the charges of the card is little high which is 1000 rupees per year. The bank agent inform me that i will get a reward points of 1000 if i spend an amount of more than 1 lakh in a year.I used to do my bill payment on time so it help me to maintain my credit without any issue.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 21, 2020
  • SBI Cards Credit Card
    "Excellent card"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 21, 2020
  • YES Bank Credit Card
    "Good bank"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    I have applied for YES bank credit card through online and the agent gave me the details for the credit card .I have taken the card because its a life time free card. The credit limit was not sufficient but it was manageable, I used this card for domestic ticket booking, bill payment and many other purposes.I got my card statement on time. I am satisfied with the service.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 21, 2020
  • HDFC Bank Credit Card
    "Excellent service"
    HDFC BANK
    0.5 5.0/5 "Blown Away!"
    I am using HDFC credit card for the last 4 years. The service is good and have not face any issues.The credit limit is sufficient, it was for 85000 rupees. I used this card for shopping and many other purposes. I pay my credit card bill through on-line.I want to use HDFC mobile app but there is no QR code in the card, it will be more nice if I can get the QR code so that I will be able to use their app.
    Was this review helpful? 13
    , new delhi
    Reviewed on Mar 21, 2020
  • SBI Cards Credit Card
    "Good service"
    SBI CARDS
    0.5 4.0/5 "Great!"
    I have opened my bank account in State Bank Of India before 3 years and I decided to take credit card from the same bank.The credit limit of the card is sufficient for me. If bank provide the statement on time, it will be good and I used to pay credit card bill through online.
    Was this review helpful? 0
    , pune
    Reviewed on Mar 21, 2020
  • SBI Cards Credit Card
    "Need to improve their service "
    SBI CARDS
    0.5 1.0/5 "Really Bad"
    I have paid first bill payment for SBI card without any issue. But at that time they have intimated of 8K Yatra voucher but still I didn't get it. So I contacted the banker twice for voucher issue but there is no proper response from their end. It is an annual fee chargeable card of 499 plus GST and it will be reverse in first bill payment but not done yet. The credit limit is sufficient.
    Was this review helpful? 1
    , surat
    Reviewed on Mar 21, 2020
  • RBL Bank Credit Card
    "very good "
    RATNAKAR BANK
    0.5 5.0/5 "Blown Away!"
    I am using RBL credit card for 1.5 years, the card have many offers on shopping, fuel, movie ticket and some reward points. The credit limit is 1 lakh which is very sufficient. I do my bill payment through as bank is available nearby. Also am using net banking and it functions very well.
    Was this review helpful? 0
    , surat
    Reviewed on Mar 20, 2020
  • SBI Cards Credit Card
    "good service"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    I have just got the card one month ago, I have done less transactions and till now I haven't got my bill payment. The credit card is good but i am not satisfied with the credit limit of 37000 rupees only. Hope they increase the limit apart from that its fine.
    Was this review helpful? 2
    , surat
    Reviewed on Mar 20, 2020
  • ICICI Bank Credit Card
    "Excellent card"
    ICICI BANK
    0.5 4.0/5 "Great!"
    ICICI bank have provided a good credit card to me which have a lot of offers in traveling, fuel surcharge, buy one get one free movie tickets every months along with many rewards points. Its also a life time free card.The card is very convenience to used. I do my credit card payment through bank.
    Was this review helpful? 2
    , tirunelveli
    Reviewed on Mar 20, 2020
  • IndusInd Bank Credit Card
    "Ok service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have got INDUSIND credit card recently so i have just started using it only for one month.The agent inform me that its a free card but they asked me to pay 700 rupees I don't know for what reason. It would be appreciable if they provide the details of the card like EMI facility.
    Was this review helpful? 1
    , mumbai
    Reviewed on Mar 20, 2020
  • SBI Cards Credit Card
    "Very good card"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    I am having SBI credit card with a limit of 120000 and its a life time free card,the bank provide my statement on time,by using this card i used to get offers on malls and groceries.I pay my bill directly through the bank.But no ATM is available nearby.
    Was this review helpful? 2
    , rajkot
    Reviewed on Mar 20, 2020
  • SBI Cards Credit Card
    "Ok service"
    SBI CARDS
    0.5 4.0/5 "Great!"
    I have been using SBI credit card recently and I am having a good experience where I get offer from YATRA, the card charges are affordable its only Rs. 500 in a year along with GST.I used to do my card payment directly from the bank, the card limit is 50,000 rupees and I am using this card for general purposes.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 20, 2020
  • YES Bank Credit Card
    "Less friendly"
    YES BANK
    0.5 2.0/5 "Expected more"
    When i first used the YES bank credit it was fine but later on it was not working properly it always show some issue,the card limit is only 65000 which i am not happy.I used this card for shopping,electricity bill payment,ticket booking and more.Due to some issues on the card i could not pay my bill on time.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2020
  • SBI Cards Credit Card
    "Okay"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    SBI has processed all things was very simple and after that executive came and finalized. I am not happy with the credit limit which i got very less , need to increase the credit limit. Annual charges are Rs. 499 within 2 months if i spend Rs.20k i will be getting 500rs as a reward points. That points can convert as a cash back i use to pay my bills, if i spend RS. 1L in a year from the 2nd year onward its a free card.
    Was this review helpful? 2
    , kochi
    Reviewed on Mar 20, 2020
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