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 Through Cheque

    Making credit card payments on time every month is one of the most important things that the cardholder needs to take care of. To ensure that cardholders do not miss out paying the credit card dues on the due date, banks provide cardholders a variety of payments modes. The payment modes provided by banks and financial institutions to cardholders include net banking, debit cards, NEFT/IMPS, cheques/demand drafts, through SMS, through bank branches, through post and other online portals. Here, we take a look at how cardholders can make credit card bill payments through cheques:

    How To Make Credit Card Bill Payment Using Cheques?

    To make credit card bill payment using cheque, a cardholder needs to write a cheque favouring the credit card and deposit it in the drop box or a cheque payment machine. The drop-box or the cheque payment machine can be located at the bank’s branches and ATMs that exist in the country.

    Advantages Of Credit Card Bill Payment Through Cheque

    Making credit card bill payment through cheques is laced with certain advantages. Some of them are listed below:

    • Cheques are convenient for those who do not have access to internet facilities or online banking.
    • Cheques can be crossed when being deposited towards a credit card payment. This will ensure that the payment is made only towards the particular credit card and eliminates the chances of fraud.
    • Cheques are convenient to make large payments whereas methods like IMPS, RTGS and NEFT have caps on the maximum limit that can be transferred.
    • Cheques can be postdated in effect to schedule the payment for a future date.

    Disadvantages Of Credit Card Bill Payment Through Cheque

    Just like advantages, making credit card bill payment through cheque has certain disadvantages as well. Listed below are some of them:

    • It takes several days for the cheque to be collected and processed by the bank. Therefore, a customer needs to drop off or post the cheque well in advance to ensure they do not miss the due date.
    • Unlike online methods, cheques have to be sent via post, or dropped off at the bank branch or ATM.
    • Customers need to ensure that all the information written on the cheque is correct, or they risk the cheque being sent back. This could lead to missing the due date and incurring penalties.

    Banks That Accept Credit Card Bill Payment Through Cheques

    Most of the top banks that operate in the country accept credit card bill payment through cheques. To name a few are - State Bank of India, Axis bank, ICICI bank, HDFC bank, IndusInd Bank, Kotak Mahindra bank etc.

    How To Pay SBI Credit Card Bill Payment Through Cheque?

    To pay SBI credit card outstanding through cheque, the cardholder can drop your cheque at any of the 1,300+ drop boxes across the country. Prior to doing that, the credit cardholder needs to fill the payee name as ‘SBI Credit Card (16-digit credit card number)’ and put in other details like payment amount, date and signature clearly on the cheque. Moreover, the cardholder must write his/her name and the mobile number on the back of the cheque. The time taken for the payment to be reflected in the SBI card account varies for Metro and non-Metro locations. While metro locations are usually processed within 4 working days, non-Metro locations take around 6 days.

    The process of paying credit card bills through cheques is similar for all other banks as well. However, the time taken for the payment to be reflected varies from bank to bank.

    The period taken by other banks apart from SBI, the largest public sector bank are listed below:

    • Axis Bank: The Turn Around Time (TAT) for clearance of Axis bank cheque is 1 working day while TAT for other bank cheque takes around 3 to 5 working days.
    • ICICI Bank: Credit card bill payment made through an ICICI bank cheque is reflected within 3 working days while if the payment is made through a non-ICICI bank cheque it takes around 5 working days. It needs to be mentioned that ICICI bank allows credit card users to make their payments through outstation cheques as well. Outstation cheques at ICICI bank branches are processed in 12 working days while outstation cheques at non-ICICI bank branches are processed within 21 working days.
    • HDFC Bank : HDFC reflects the credit card bill payment through cheque within 3 working days.
    • IndusInd Bank: The payment is reflected within 4 working days.
    • Kotak Mahindra Bank: Kotak Mahindra Bank usually takes around 5 working days for the payment to be reflected if it is paid through a cheque.

    FAQs on Credit Card Bill Payment Through Cheque

  • Where can I drop my payment cheque to make credit card bill payment?
  • The payment cheque can be dropped at the cheque drop-box locations available at the bank branches and ATMs.

  • How long before the due date should I drop the cheque at the drop box?
  • The number of days varies depending on the bank. Ideally it is better to drop the cheque five days prior to the due date.

  • Do SBI charge any fees if I make credit card bill payment through cheque?
  • Yes, SBI charges a fee of Rs.100 for all credit card payment made through cheques that is less than or equal to Rs.2,000/-. However, if the amount is in excess of Rs.2,000/- there is no charge.

  • What should I write in place of the Payee Name while making credit card bill payment through cheque?
  • The individual needs to write the name of the bank from where the credit card is availed followed by the card number. For e.g ‘SBI Credit card XXXXXXXXXXXXXXXX’

  • Is the number of days taken to reflect the payment of credit card bills the same for all banks?
  • No, it is not the same. While some banks reflect the payment within 1 day others can take upto 7 days. It depends on the respective banks which allow credit card payments to be made through cheques.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the customer services are good. They also provide me with good offers and a very good credit limit. It is a smooth process while using the card, I never faced any hassles in the overall process till date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Citibank has been overall good in the customer services. The online banking is good and the credit card offers are also good. The statements are also good and the billing is also in a timely manner. The credit limit is also fine and there are no charges taken for the card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good card for the withdrawal"
      0.5 5.0/5 "Blown Away!"
      From RBL I have et money card it gives the flexibility of taking the cash without any interest. I can withdraw the maximum of 100%, the credit limit is also satisfactory with RBL card. One month back I got the card, the due date is convenient for me.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I get 10x points from HDFC card based on the spends, In fact the cash back is also excellent. The customer support is good for the credit card queries, but there is a long queue to connect with the executive. They don't have direct contact no, first I need to verify my details in IVR, then again the executive verify it, therefore the process should be simple.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Good card for all transaction"
      0.5 5.0/5 "Blown Away!"
      I have reward points from CITI bank, I get more bonus points on the transactions, they give cash back offers for some transaction, I don't what to call them everything is prefect, the interest is also reasonable, I am using life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bharath credit card and using it for past 1.5years. The service is excellent and they are not charging high for the late payments. The credit limit is average and they need to enhance the limit. It is a life time free credit card. There was no much offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • Bank Bazaar Credit Card
      "Simple method for getting credit card "
      0.5 5.0/5 "Blown Away!"
      Through Bank bazaar it is a simple process of getting the credit card in quick time .It hardly took 1 week of time in Online method . I came to know bank bazaar through SMS . Customer executive guided about the various credit card in online . Mobile app is also user-friendly .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Axis Bank has offered NEO credit card and am using it for past 6 months. The credit limit is sufficient for the beginner, its 40K. The rate of interest is too high for late payment charges which they need to reduce. It is a life time free credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Online shopping and EMI is major advantage"
      0.5 5.0/5 "Blown Away!"
      I recently applied for the Indusind bank credit card in the on-line method . Within 10 days of time ,I got a good response till the time of dispatchement of my card . No annual fees for this card . The main plus point with Indusind bank credit card is the on-line shopping .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Kotak Credit Card
      "Good Card with Kotak"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra card for around two years, I have salary account hence everything is fine for me. The credit limit is not good because they gave only Rs.22,000, they need to enhance the card limit. I have master card and the accessibility is great.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Average Credit card"
      0.5 5.0/5 "Blown Away!"
      Almost it is going to be 3 months since I started to use this RBL credit card . Normally I will do most of the shopping Off-line .Offers are on-line and it is up to the expectation . RBL mobile app is very easy for making the payment and downloading the statement .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Credit limit is not sufficient "
      0.5 5.0/5 "Blown Away!"
      For the past 6 months, I am using the AXIS bank credit card . My credit limit is around 25 k only . But this credit limit is very insufficient to use .I am not getting any notification about the various offers in on-line . Annual fees is around 499 - .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the AXIS BANK the card is user friendly to use. The credit limit with this card is satisfactory added on that the offers with this card is good. I am using it from last few years with this card. There is a EMI conversion option but there is no balance transfer option with this card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I have a credit card with the HDFC BANK the credit limit with this bank they have offered is average and i am not getting any offers with this bank. There is a EMI conversion option with this bank it is good and easy to convert with this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC has given me a Money Back credit card and using it for past three years. I am happy with the credit limit. There was no annual charges and am paying monthly due. The charges are reasonable for EMI conversion. I got reward points but my sister use to redeem so have no idea.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am just using this credit card for the last one week and the services which they had provided so far has been pretty good. They had given me with a good credit limit and it does not have any sort of annual charges. I am using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      I am holding RBL bajaj credit card, features are like the monthly benefits which they give like surcharges on the products, extra points on the shopping with the air lounges. The limit is very satisfied with RBL credit card, I am happy with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.