Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    Credit Card Bill Payment Online

    It is important to pay your credit card bill on time and duly every month. Learning the best way for you to pay your bill will help you avoid missing the payment due date and incurring penalties. Paying your credit card bill can be a hassle if you don’t know what you’re doing. Banks usually offer a variety of payment modes for customers to make payments. Some of the instruments you can use to pay your credit card bills are cheques, demand drafts, cash, debit cards, and other bank’s credit cards. You can make payments via the following methods which include Internet banking, NEFT, ATMs, drop-boxes, bank branches, post, and other online portals.

    Online Credit Card Bill Payment

    The Internet has simplified the way we bank. Making payments on your credit card has never been easier. Almost all banks in India have the facility of Internet Banking, and the smaller banks who do not are jumping on the bandwagon to provide the same convenience to its customers. The following are the online credit card payment options:

    Credit Card Bill Payment by Online Banking

    To pay credit card bill by online banking follow the below steps

    • Activate your online banking account which is secured with an IPIN.
    • You can then login and view your credit card purchases, statements, payment dues dates and outstanding amounts.
    • Select the credit card and click on “Pay credit card bill now”.
    • You can then select the bank account to be used, enter the amount you wish to pay and make the payment.
    • Online Banking is the fastest way to pay your bill as the turnaround time is usually immediately or on the same day.

    Credit Card Bill Payment by Debit Cards

    This option is available with some banks such as ICICI Bank via its portal Click to Pay. With this facility, customers can select their card type, enter the card number and verify the payment through a payment gateway. The transaction is processed immediately.

    Credit Card Bill Payment by NEFT/IMPS

    You can login to any other bank’s online banking service and make a transfer of money using the National Electronic Funds Transfer (NEFT) or Immediate Payment Service (IMPS). You cannot use RTGS to make a credit card payment. NEFT and IMPS are accepted all over India and is one of the easiest ways to make a payment.

    • To make a payment, you can enter the Internet Banking facility of the bank of your choice.
    • Select NEFT and enter the information accurately which includes beneficiary name, account number, bank, branch and IFSC code.
    • NEFT can take upto 1 working day to be processed.
    • For IMPS, you can follow the same method but it will be processed instantly.
    credit card bill payment

    Credit Card Bill Payment by Bank Browser and Mobile apps

    Banks have special applications on browsers as well as their own mobile banking app which can be used to make payments towards the credit card bill. These are also considered online portals. Mobile apps are convenient as you can make payments from anywhere and at any time. Simply login to the app, select credit cards and make the payment.

    Payment of Credit Card Bill by Standing Instructions

    You can set standing instructions online with your bank to automatically debit the credit card payment amount from your savings account. You can choose to always pay the bill in full or pay just the minimum amount due.

    Payment of Credit Card Bill by Other Portals

    Banks may have tie ups with other companies to provide you convenient ways to pay your credit card bill. Visa Money Transfer is one such portal which usually takes about 2 working days to be processed. Billdesk is another portal used by many major banks.

    Benefits of Paying Credit Card Bills Online

    • Saves time and effort:
    • Paying your credit card bill 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, you can 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 working day upto 5 working days. IMPS transfers will be made immediately, but NEFT facility is available only during stipulated working hours of the respective banks.
    • 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.

    Offline Credit Card Payment

    Pay Credit Card Bill using Electronic Clearance Service (ECS)

    You can set standing instructions with your bank or any other bank to make payment towards your credit card every month. The payment will be made towards the minimum amount due or the total amount due as per your preference.

    Payment of CC Bill with Debit Cards

    You can use your debit card at the bank’s ATM to clear your credit card dues. Simply select the option of Bill Payment and follow the instructions of the ATM.

    The money will be debited from your savings or current account.

    Pay Credit Card Bill Over the counter

    You can visit any branch of the bank and pay your bill over the counter in cash. A fee is usually charged for this service.

    Credit Card Bill Payment by Cheques and Demand Drafts

    You can write out a cheque favouring your credit card and deposit it in either a drop box or a cheque payment machine. These are available at the bank’s ATMs or branches.

    Payment of Credit Card Bill through SMS

    A few banks have the facility to send an SMS to a designated number. The SMS should contain the whole or part of your savings or current account number and your credit card number. This facility usually has a ceiling limit on the amount you can pay.

    Credit Card Statement

    Your credit card statement is a letter containing your credit card activity for the current month. Your purchases will be recorded and charged in your statement. You can see the total amount you owe, the minimum amount due and the due date. Credit card statements will give you a breakdown of the expenditure and the interest charged, if any. This statement is generated on the stipulated billing date and will be sent to you via post or email. The statement should reach you within 7-10 days. If you do not receive your statement, you should contact the bank immediately. Credit Card Statements are a record of your expenditure on your credit card and can help you analyse your purchases and budget better in future.

    Offers on Credit Card Payments

    Currently there are no offers available on Credit Card Payments.

    Earlier offers included HDFC SmartPay and ICICI bank.

    • With SmartPay, customers would receive 5% cashback for the first 6 months of registration. Processing fees were waived. 1,000 reward points were granted for new registrations. This offer expired on 31st December 2015.
    • ICICI Bank also offered free discount vouchers worth Rs. 5,000 from Coupondunia if customers used the ICICI Internet Banking to pay any VISA credit card bill. This offer expired on 31st December 2015.

    Look out for more credit card payment offers.

    Bank's Credit Card Payment:

    For more information on individual bank's credit card payments, please click on the links below.

    Credit Card Bill Payment FAQs:

    1. What are the consequences of missing credit card payments?

      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 will list you as a defaulter and report you to CIBIL which will impact your credit score and hamper future credit opportunities. Banks also have the right to impose legal action to recover the dues.

    2. When will I receive my credit card statement?

      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. The payment due date will normally be 10 days later. Your statement will be sent via post or email, as per your preference.

    3. Does it mean my bill is zero if I do not receive a credit card statement?

      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. The bill is generated on an assigned date and will be mailed to you via post or email. If you do not receive your statement, it will be your responsibility to check your online banking account, your email or call the bank for clarifications.

    4. Which is the fastest method to pay my credit card bill?

      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 the process is completed immediately or on the same day. IMPS bank transfers are also done instantly.

    5. How long do cheque payments take to be processed?

      Cheque payments can take up to 7 working days. You must take into account weekends and holidays, and the cheque collection timings. Ensure your cheque is deposited ahead of the due date to avoid missing the payment. Also double check the information you have provided in the cheque to make sure it does not get rejected due to any errors or missed signatures. Also ensure your bank account has sufficient balance for the cheque to clear.

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    How to pay credit card bill online?

    The internet provides a variety of options to the credit card holders to make their monthly payments through various means. Below are different ways to pay credit card bills online, all of which may or may not be offered by every bank. A few options are bank specific, hence readers are advised to confirm with their respective banks before making payments using such facilities.

    • Third party bill payment portals: Of late, banks have tied up with online payment companies to encourage online bill payments. BillDesk is one such portal, which is an authorised and secured portal to pay your credit card bills.
    • Auto debit: This is an automated credit bill payment option provided by certain banks. Commonly called ‘Auto debit’ option, it allows the credit card users to authorise the bank to auto debit the credit card bill amount every month on a specific date or on payment due date.
    • National Automated Clearing House (NACH): Similar to Auto debit is the NACH scheme which allows cross banking payment facility, which means you can authorise any bank to deduct your credit card bill, unlike in Auto debit which limits the transaction to other banks.

    Let’s say you have a HDFC credit card but have a savings account with Axis Bank and would like your credit card payments to be made from the latter bank. In that case, you can enrol for the NACH facility, through which you can authorise HDFC to deduct your credit card bill amount every month from your Axis bank account.

    Also Internet banking, Funds transfer & Mobile applications/banking etc.Read more about

    Credit Card Bill Payment Reviews

    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Kotak mahindra bank credit card long time, there service is not up to the mark. Their credit limit is good, they have given me . And they have not annual fee they have charge in this card as it is life time free credit card, and they did not provid any offers or discount, and there service is okay.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • RBL Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a RBL credit card and i am happy with the overall services. The limit given to me on my RBL credit card is 1.60k and i am satisfied with the limit. Services are quite impressive , they have their App , and whenever there is a request raised to increase the limit, they do it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 2.0/5 "Expected more"
      I have been using HDFC credit card,they have not charged any annual fee for this card, and i am happy with my credit limit which they have given in this card and they are providing good offers . Their overall service is not up to the mark.I felt issue with this bank credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Amex bank credit card for long time, they have not charged me annual fee in this card as it is life time free credit card, and i am happy with the credit limit they have given me in this card , and in offer part they have given me good offers. Their overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I have been applied for Indusind bank credit card recently, they have not charge me annual fee for first time, after that they will be charging it, like if i spend up to 30,000-40,000 in an year then my annual fee will get waived off. They have given me decent credit limit. The reason for choosing this bank credit card is that i wanted this bank credit card so i have applied it, there process was quick and easy. And the card was on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I carry HSBC credit card and i am using it from a while. The limit given on my card is good and i am satisfied with the limit. I have not used much but one thing that is very impressive here is the balance transfer option. I hold other Bank Card too but here the balance transfer option is awesome.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • review Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I Hold a SBI credit card and i am happy with the overall services. SBI has a rewards point system which is quite impressive compare to my other existing cards. I had collected rewards points and i converted them into cash worth 10k. SBI card is full of benefits and offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI credit card and i am using from very long . I never had any issue while doing any transaction. I am a customer of ICICI from a very long period. ICICI customer service is the best and whenever there is any concern , they come up with a quick resolution.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Good in Service"
      0.5 5.0/5 "Blown Away!"
      Experience was pretty much good with Bank Bazaar. There was a clear conversation and the features of card that i was applying for explained in a good manner. There was a proper follow up and the customer care Representatives were helpful and polite on call.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I had applied for a Indusind credit card and the process of applying was pretty easy. I have got my card delivered to me on time and i have started using Indusind Credit card. The limit given to me on my card is satisfactory and i am happy about it.With Indusind Bank this is my first credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Good website"
      0.5 5.0/5 "Blown Away!"
      There is quick feed back, quick response in bankbazaar website. I am using the website from last 3 months ago. I came to know about the website through Google search. Support team has given me a proper suggestion when I'm applying for this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      It was a shopping card thats the reason i opted this card, This card provides me a good reward point system. They have offered me a credit limit which is fine. There is a annual fee and it will get waived off if i use particular amount. They are sending a promotional offers on a regular basis. I got the bill and there is no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the services of Bank Bazaar for the last two to three years and i was just using it to check my credit score. I used to use their web portal which is comfortable in using through my desktop where i used to get all the information through them. Their customer support has also been helpful and has been responsive as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen with them since i was already using a credit card from them, the process in getting this card has been simple and i received the card within seven days. But the approval status was not shared with me. The credit limit with this card is good and they had explained me with the features of the card as well, it is a life time free card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      SBI is a good card to use and they have provided me a credit limit of Rs. 75000 which i'm okay with it. SBI customer care service is really good. Basically they are not providing offer but i can convert the purchase into EMI. There will be some annual fee of Rs. 750.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Standard Chartered Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I never used the standard chartered bank. I have applied the credit card, but they have given me a credit limit of Rs. 20000 which is very less and I'm not satisfied with it. Hence i have closed the card. I've informed the customer care regarding the closure and they have raised a ticket for that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Axis Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Started using the Axis bank for last 3.5 years. They are easily converting the EMI option for my purchase. Their customer care service is not responding properly. When i installed the app, there is a error and i complaint to the customer and its not worked out. They are charging so many GST charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Awesome website"
      0.5 5.0/5 "Blown Away!"
      I never interacted with the customer care. There is a quick service in website. Whatever the information regarding the bank like credit card, personal loan we can able to see. Recently i have saw the advertisement in online then started using the website.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • HDFC Bank Credit Card
      "Everything is good except EMI"
      0.5 5.0/5 "Blown Away!"
      Compared to other credit card this is the best card to use since i have used it earlier. If i purchase anything, I'm unable to convert into EMI. I have called the customer care, they are saying after 3 months, i can able to do it. I'm planning to close the credit card due to this issue. Whatever the service they are offering its fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak mahindra League platinum credit card for long time.They have given me good credit limit in this card ,And they have not charged me annual fee in this card, as it is life time free credit card ,And there support team is too good, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
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