Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Oriental Bank of Commerce is among the top banks in the country which offers a wide range of products to its customers. One of the major products they offer is the credit card. In terms of payment of your credit card bill, Oriental Bank of Commerce provides effective offline as well as online solutions.
| Online Methods | Offline Methods |
|---|---|
| NEFT | ATMs |
| RTGS | Draft |
| OBC Net banking | Cash |
| OBC Mobile Banking | Cheque |
| Auto-debit | Phone banking |
| Paytm | NEFT |
| Billdesk | - |
| UPI | - |
NEFT payments are available for credit cards offered by most major banks. You can pay your Oriental Bank of Commerce credit card bill through NEFT payment especially if you do not hold a savings account at OBC. Here are the steps which need to be followed to pay your credit card bill through NEFT.
Net Banking is available for all the customers who hold an account with the bank. Payment through net banking is also available for the customers who do not hold an OBC account. In order to pay your credit card bill through net banking, here are the steps which you need to follow:
Mobile banking is also another method of paying the credit card bill. Most banks including OBC offer mobile banking services for its customers. You will need to download the OBC mobile app of your bank. In order to pay your credit card bill through mobile banking, here are the few steps you need to follow:
The auto-debit feature is one of the most common methods of payment for credit cards. In this method, the payment for the credit card is automatically debited from your savings account on the due date. While applying for the credit card, you can opt for the auto-debit form of payment where you submit your savings account details such as the account number and IFSC code. Once done, at the end of the billing cycle, OBC will debit the bill amount directly from your account. If you opt for an auto-debit method of payment in the middle of the month, the bill amount will be subjected to auto-debit from the following month.
RTGS or Real Time Gross Settlement is another form of online payment for your credit card bill. In this method, you will have to log in to your net banking service and register your credit card. Once your credit card is registered, you can click to pay your bill amount by selecting RTGS payment. However, RTGS payment is only applicable for large amount transactions, if your credit card bill is more than Rs.2 lakh.
You can now pay your credit card bill through Paytm as well. Initially, you could only pay your VISA credit card bills through Paytm but now any VISA and MasterCard credit card bill can be paid through the app or the website. If you wish to pay your credit card bill through the Paytm app, here are the steps which you need to follow:
You can pay your credit card bill through BillDesk. BillDesk is an online website which allows you to make all kinds of payments from telephone bills to electricity bills along with gas and mobile phone bills. To pay your credit card bill through BillDesk, here are some of the steps you need to follow:
In order to pay your credit card bill through UPI, you will need to register yourself through the BHIM app which is available on Google's Play Store. Here are the steps which need to be followed to pay your credit card bill with UPI:
You can pay your credit card bill at any Oriental Bank of Commerce ATM. You will have to visit the ATM and select the deposit option and not withdrawal. Once you do, you will have to enter the credit card number or the account number. You will have to deposit the bill amount and click on submit. The money will be credited to your credit card account. It must be noted that not all ATMs have the provision of depositing money. It is advised to check before making the transaction.
The credit card payment can also be done through a demand draft. The demand draft will need to have your credit card number or account number and the bill amount. It must be submitted at the branch of Oriental Bank of Commerce. A draft payment takes up to 3 working days to get cleared.
In order to pay your OBC credit card bill through cash, you will need to visit an OBC bank branch. If you do not hold an OBC savings account, visit your savings bank branch and fill out a cash deposit slip. In the slip, you will have to mention the credit card account number, the date, the bill amount as well as the denomination of the notes you will be paying with. Once the form is filled, you will be required to submit it to the bank teller in order to process the payment.
An offline method of payment, most people prefer to pay their credit card bills through cheque. OBC and non-OBC account holders have the provision to pay the bill by cheque. You as a credit cardholder will need to write a cheque stating the credit card account number, the date as well as the bill amount. Once done, you can submit the cheque directly at your bank branch or even at a nearby drop box.
Phone banking is another option which can be used to pay the credit card bill of Oriental Bank of Commerce. It is an offline method where you as a credit cardholder will have to call the customer care of the phone banking services of the bank. Once you have connected with a bank official, you can give your credit card number, bill amount, as well as your savings account number and IFSC code from which the money will be debited. The phone banking official will make the payment on your behalf while being on call with you.
NEFT is also available through offline modes of credit card bill payment. Here, you will have to visit the bank branch of OBC or your savings account branch in case you do not hold an OBC account. Once you visit the bank branch, you will have to get in contact with a bank official and give him or her access to your net banking services. He or she will then begin the procedure of transferring funds from your savings account to your credit card account.
| Payment Method | Processing Time |
|---|---|
| OBC Net Banking | Within 2 working days |
| OBC MobileBanking Application | Within 2 working days |
| Autopay | Within 2 working days |
| NEFT | Within 1-2 working days |
| Cheque Payment | Within 3 working days |
No, you will have to drop cheques only in the OBC Drop Box in order to pay your credit card bill.
To find out the location of the nearest OBC Drop Box, you have to SMS the PIN CODE of your area to 56767.
To get more information about the credit card payment process, please contact Oriental Bank of Commerce or visit their website.
No, you cannot use another credit card to transfer money via Visa Credit Card Pay. You can pay the credit card bill using another bank account only.
Yes, there is an upper limit on the amount that you can pay as part of your credit card bill when you are making the payment at Easy Bill Outlets. The daily limit on each cash transactions is Rs.49,999.
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