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  • How to Link Credit Card to Bank Account

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  • Paying your credit bills on time is most often a problem for credit card users. This happens firstly because credit card users have credit cards with different banks and this complication at times results in credit card customers missing the due date. Thankfully, now credit card users can link all their cards to a bank account of their choice (one usually holding your salary) and can view all required payments (credit card bills, loan dues, etc.) on one page. For customer who wish to link their credit card to their online bank account, follow the steps listed below:

    Steps to link your credit card to your bank account

    • Visit the bank website and login to your online bank account.
    • On your bank account page, click on “service requests” or “requests”.
    • The option of “link your credit card to your bank account” will pop up. Click on that.
    • Now enter the details of your credit card - card number, expiry date, mobile number, date of birth and email ID.
    • Once you have entered all the card details, click on “Submit”.
    • As soon as you have clicked on “submit”, an OTP will be sent to your registered mobile number.
    • Enter the OTP and click on “submit”.
    • As soon as this is done, your request to link your credit card to your bank account will be submitted. It will take between 24 hours to 72 hours for your credit card to be linked to your bank account.

    What you should keep in mind when linking your credit card to your bank account

    • Your details such as date of birth, name and address should match between all accounts and with the details of your credit card as well.
    • Linking two accounts together (for joint accounts) is not possible online. The form should be downloaded, filled and submitted at the bank.
    • If you have an NRI account, your credit card cannot be linked.
    • You can link all your credit cards to your online banking account, making payment of dues easier as you will have to access only one portal to make all payments.


    1. Can I schedule a credit card payment through my online banking account?

      Yes you can, and by doing so your dues will be paid in time.

    2. How do I view my credit card status?

      Click on “credit card service requests”, on that view bill payments. You will get your past credit card bill statements.

    3. Which is the best way to pay my credit card bills? By cash?

      You can pay by cash but only at the bank. Else, click on the “pay bills” option, then choose the credit card with pending dues and facilitate the payment.

    4. Is there an interest added on my credit?

      If you pay your bills within the payment due date (usually between 18 to 48 days) the payments are interest-free. Failing to pay the dues on time and an interest will be added on every credit card transaction from that point on.

    5. What if I by mistake pay more than my credit card dues?

      The amount will be re-adjusted for future use. It never goes to waste. 


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