Credit Card Bill Payment

Overview

Banks and Financial Institutions offer various methods to their cardholders to pay credit card dues on time which include both Online and Offline methods. You can opt for any of the methods as per your suitability. However, make sure to pay the dues 3 to 5 days prior to avoid a last minute rush.

Online methods provided by the banks are comparatively easier to follow and save both time and money. Whereas if you follow any Offline payment methods like cheque, it should be made a few days in advance since it takes time for the bank to credit the amount to your account and may incur a late fee and finance charges if the payment isn’t made in time. In case you are making the payment at the branch you will need to stand in the line and the bank charges from you a fee ranging from Rs. 100 to Rs. 150 to pay the card dues in cash.

Credit card statement should be checked in order to confirm the correct bill amount since leaving even a single rupee due will cost you late payment charges which can range from Rs. 100 to as high as Rs. 1,000 depending upon the total due amount. However, if you don’t have sufficient funds to pay the total due balance, then you can pay the minimum amount due and carry forward the rest of the balance to the next year. Although, the amount being carried forward attracts finance charges which can be as high as 42% per annum depending upon the card you are holding.

Here is a list of methods that you can use to make a credit card bill payment.

Banks & FIs Credit Card Bill Payment


HDFC Bank Credit Card Payment ICICI Bank Credit Card Payment American Express Credit Card Payment
SBI Credit Card Payment Citibank Credit Card Payment Kotak Credit Card Payment
Axis Bank Credit Card Payment Indusind Bank Credit Card Payment HSBC Bank Credit Card Payment
YES Bank Credit Card Payment Tata Credit Card Payment

Part 1: Credit Card Online Bill Payment


Online methods are the easiest to use since the cardholder can pay his/her credit card bills anywhere and anytime. There is no need to run to the nearest branches or ATMs in order to pay the card dues.

Method 1: Credit Card Bill Payment through NEFT


NEFT (National Electronic Funds Transfer) is a digital payment service through which a credit card holder can pay his/her credit card due from the bank account of the same or another bank either online using internet banking facility or offline through neft form and cheque. However, charges may be applicable on NEFT transfer depending upon if the funds are being transferred from one bank to another. The neft credit card payments made from the saving/current account (including NRE / NRO account in the country) of the same bank are free of charge. While, the credit card payments made using NEFT from other bank account will be charged from Rs. 2.50 to maximum Rs. 25 per transaction.

Moreover, it is important to know that the maximum amount for an neft transaction is set at Rs. 50,000. NEFT Payments may take 3 banking hours to upto 24 hours to reflect in your credit card account. Payments made between 8 AM to 7PM via NEFT payment mode, will get credited within 3 banking hours, same day. Apart from it, the bank from which the transaction is being made are also entitled to pay Rs. 0.25 per transaction to clearing house as well as the recipient bank.

Besides this, you must know that NEFT fund transfer facility is not available on bank holidays and national holidays.

Credit Card Bill Payment through NEFT Transfer using Internet Banking

Follow the steps given below to pay your credit card due amount through NEFT Fund Transfer using internet banking facility:

Step 1: Log In to Internet Banking or Mobile App

To Make an NEFT payment you will have to visit the website of your bank and log in to the internet banking service of your bank account from which you want to pay the card due. Make sure that you have an active username and password for internet banking facility or else you will have to create one. You can also use the mobile app of your bank to do the same.

Step 2: Add Credit Card as NEFT Beneficiary

Once you have logged into your Internet Banking account, go to the NEFT Fund Transfer service under third party fund transfer option and look for Add Beneficiary option.

You will need to add inter bank beneficiary in case you want to make the payment from any other financial institution than your credit card provider. And, if you hold a bank account in the same financial institution as your credit card provider, then you’ll have to add intra bank beneficiary.

Step 3: Enter IFSC code

Now, you need to add the IFSC code of the respective branch of the financial institution with whom you hold the credit card, the beneficiary registration form.

You can find the IFSC code for some popular banks in the table given below.

Step 4: Enter Credit Card Number

Now, you need to enter your 15 or 16 digit credit card number as the beneficiary account number in the beneficiary registration form.

Step 5: Enter Beneficiary Name & Beneficiary Bank Name

Now, enter beneficiary name, that is, the name of the primary card holder as written on the primary card. Apart from it, also provide the beneficiary bank, that is, the financial institution with whom you hold your credit card.

Step 6: Enter Branch Address

Now, you’ll see that the address of the beneficiary branch has been fetched automatically on entering the IFSC code. However, if it doesn’t, then manually enter the address of the beneficiary branch.

Step 7: Submit Beneficiary Details

Now, cross check all the information that you have provided in the beneficiary registration form for any correction and click on “Submit” button to complete your registration process.

Depending upon the bank you hold your bank account with, it can take between a minimum of 30 minutes to upto 24 hours period to confirm the beneficiary details and complete the beneficiary registration process. More to that, few financial institutions such as SBI allows you to add only one beneficiary each under inter bank beneficiary list and intra bank beneficiary list. It can be an issue if you hold more than one credit card and want to pay the due bills from the same account.

Step 8: Go to NEFT Fund Transfer

After you have successfully registered your credit card as NEFT beneficiary, then go back to the NEFT Fund Transfer and click on “Make Payment” option to initiate the payment.

Step 9: Select Credit Card Account & Enter Amount

Now, select your credit card account from the NEFT beneficiary list and enter the bill amount. If you want to pay minimum due amount, then you’ll have to calculate the minimum due payment based on the total due amount. Almost all of the financial institution charges a 5% of the total due amount as minimum due payment.

Step 10: Pay the Bill

Now, click on “Pay” or “Confirm” button given below the NEFT fund transfer form and it will take you to the transaction acknowledge page where you can check the transaction details whether it is completed or failed. Apart from it, you’ll also see transaction reference number which you can note down for any future reference. Although, you can also find it in your bank account transaction details.

On receiving the funds at your the end of your credit card account, you’ll receive a confirmation message on your mobile number as well as email id registered with your credit card account.

Here is the information for popular banks and financial institution, required to make a credit card due payment through NEFT facility.

FI Payee Name IFSC Code Beneficiary Bank Name
SBI - SBIN00CARDS SBI CREDIT CARD - NEFT
ICICI Bank - ICIC0000103 ICICI Bank
Axis Bank - UTIB0000400 Axis Bank
American Express American Express SCBL0036020 Standard Chartered Bank
HDFC Bank - HDFC0000128 HDFC Bank
Citibank - CITI0000003 Citibank N.A
Standard Chartered Bank - SCBL0036001 Standard Chartered Bank
Kotak Mahindra Bank - KKBK0000958 Kotak Bank
HSBC Bank - HSBC0400002 HSBC Bank
PNB - PUNB0112000 Punjab National Bank
RBL Bank - RATN0CRCARD RBL Bank
Indusind Bank - INDB0000018 Indusind Bank
YES Bank - YESB0CMSNOC Yes Bank
Credit Card Bill Payment through NEFT Transfer using NEFT Form

Since everyone might not be familiar with online process whether due to inaccessibility of the internet in the location or due to more familiarity with the nearby bank premises than technology, financial institutions have provided the facility of NEFT Fund Transfer by filling out neft form and attaching a cheque.

Step 1: Visit Branch & Get NEFT Form

Walk into any nearby branch of the bank from which bank account you want to make the credit card bill payment. Make sure that you carry the cheque book of your bank account along otherwise the bank would charge a certain fee on your bank account and issue a temporary cheque book in your name.

After you enter the bank, ask for neft fund transfer form at the reception or look for it at the form counter. Click here to check the sample NEFT fund transfer form.

Step 2: Fill the form

Now, fill the neft fund transfer form. Make sure to cross check the information such as credit card account number, card bill amount, payer account details and payee account details.

Step 3: Write a Cheque

Now, you need to write a cheque in favour of your credit card account. Correctly fill the credit card provider name followed by credit card account number, current date, payment amount in words as well as numbers, and sign the cheque. The signature must match with the ones you have provided in your credit card account at the time of application.

You should also put your signature at the back of the cheque and mention your registered phone number, so the bank can reach you in case they find any error in the cheque.

Step 4: Submit NEFT Form & Cheque

Now, attach the cheque with the neft fund transfer form and submit the same at the branch.

On receiving the cheque, the bank will send it for clearance which usually takes upto two working days.

Method 2: Credit Card Bill Payment through Visa Card Pay


VISA Card Pay is a credit card payment method provided by VISA for visa credit cards only. With visa card pay, you can pay your credit card dues from any bank account within India using internet banking facility.

Once you have verified the transaction, the amount will be debited from your other bank account and the payment will be scheduled towards your credit card. However, you must know that payments made using VISA Card Pay may take up to 3 working days to reflect in your credit card account.

Step 1: Log In to Your Net-Banking Account

Open the net banking page of your respective bank. Enter your user ID and password and click on the “login” tab. You can also use the mobile app that provides net banking facility for your bank. Most banks have user-friendly net banking applications for all (android, iOS and windows) phones.

Step 2: Visit VISA Card Pay Service

Post login, go to the third party funds transfer option available in internet banking facility and look for VISA Card Pay option. Click on VISA Card Pay option to initiate the payment procedure.

Step 3: Fill Card Information & Amount

Select the bank account from which you want to make the payment and enter your credit card details in the recipient section. Once done, recheck the information for any mistakes and enter the due amount.

Step 4: Confirm the Transaction

After entering the necessary details and amount, click on “Confirm” button to complete the payment towards your credit card account.

On successful payment of the credit card using VISA Card Pay service, you’ll receive a confirmation message on your registered mobile number and email address.

Method 3: Credit Card Bill Payment through Billdesk


Billdesk is another online method to pay your credit card bills where you can pay your credit card due amount using both, the net-banking facility of the other bank or debit card details. On making the successful payment, you’ll receive an email and SMS acknowledgement of your transaction and the payment will reflect instantly in your credit card account.

Step 1: Visit Billdesk Page of Your Credit Card Provider

Go to the respective Billdesk page of the bank from which you avail the credit card facility.

Step 2: Provide Credit Card Related Information

Enter your 15-digit (for American Express & Standard Chartered Bank) / 16-digit (for all other credit card providers) credit card number you wish to make the payment for, along with the exact or above payable amount, registered email Id and mobile number.

Step 3: Choose Card Payment Option

Now select a payment option to pay the due amount. Click on “Debit Card” as your preferred mode of payment under the “Pay from” option if you wish to pay using your debit card information and select bank from the drop-down list.

If you wish to pay using internet banking facility, then choose internet banking as the payment option and select the bank from the drop-down list.

Step 4: Click on the Pay Now button

After selecting a preferred payment option, you’ll now have to click on the “Pay Now” button. On clicking this button you will be securely redirected to the payment interface of your chosen bank account.

Step 5: Provide Debit Card Details & Pay Amount

If you have chosen debit card as your preferred payment option, then enter your debit card number along with card expiry date, CVV number and name of the card holder as mentioned on the card. It is important to notice that only selected banks allow to pay credit card dues using debit card at billdesk payment facility.

However, if you have selected internet banking as your preferred payment option, then simply skip this step.

Step 6: Login into Internet Banking & Confirm Payment

If you have chosen internet banking as your preferred method, then clicking Pay Now button will take you to the login interface of the selected bank. Here you can login using the net-banking user id and password of the selected bank and a payment prompt will appear on the screen. Now, confirm your transaction by entering transaction password. On confirmation, your bank account will be debited online.

Method 4: Credit Card Bill Payment through Internet Banking Services


Paying a credit card due amount from internet banking facility of the same bank is one of the easiest methods. More to that, the bank doesn’t charge any amount from the credit card holder since the transaction is being made from the saving/current account of the same bank. However, it is necessary to have an active net-banking id and also to have the credit card already registered with it.

The payments made using netbanking services tend to be instantly paid out. However, you should note your transaction reference number for future enquiries.

Step 1: Login into Your Net-Banking Facility

You need to first login into the internet banking facility of your bank. Before moving forward, make sure that the credit card is registered with the internet banking facility. If not, then please register the credit card with net-banking first.

Step 2: Visit Credit Card Section

Now, click on the “Credit Card” or “Card” menu in the top navigation bar and access credit card net-banking page.

Step 3: Choose Beneficiary Card Account

Select the credit card account from the list (if you own multiple credit cards with the same bank) for which you want to make the payment. If you are unable to find your credit card account number, then you may not have registered your credit card for net-banking services yet.

Step 4: Choose Your Bank Account

Now, select a saving/current account number from which you want to pay the credit card dues. If you hold more than one bank accounts in the same bank, then select the account from the drop-down list available.

Step 5: Enter the Amount

Now, enter the payment amount as per your preference. It is advised to pay the full amount since paying the minimum due amount will cost you finance charges on the due amount in the next billing statement. After entering the payment amount, click on the “Pay Now” tab and it will take you to the payment authorisation page.

Step 6: Confirm the Payment

Now, on the payment authorisation page, you can check the payment details for any correction. If the transaction details are correct, then click on “Submit” or “Confirm” button to complete the payment.

The payments made using internet banking facility of the same bank, are instant and you’ll receive a confirmation message right away.

Method 5: Credit Card Bill Payment through NACH / ECS Facility


NACH (National Automated Clearing House) / ECS (Electronic Clearing System), are a type of electronic fund transfer methods where credit card holder will just have to authorize the credit card provider to deduct the due amount from his/her other bank account on a monthly basis. Once the said credit card provider is authorized, the credit card due payments will be automatically deducted from your bank account on the payment due date.

NACH / ECS saves you from making any credit card payment defaults. However, if the payer account doesn’t have the sufficient amount on the payment due date, then the credit card holder will be charged with a penalty fee, also known as payment dishonour fee. This penalty usually ranges around 2% to 3% of the due payment amount. Some of the credit card providers charge a flat fee which starts from minimum Rs. 450 and can vary depending upon the financial institution.

Step 1: Download NACH/ECS form & Take a Print

Download NACH/ECS form for your respective bank and take a print-out of the form.

Step 2: Fill the NACH form

Fill in all the necessary details in the NACH/ECS form such as credit card account number, registered phone number and email id, frequency of the schedule debit and the name of the bank account holder.

Step 3: Choose Payment Debit Type & Sign the Form

In the form, you’ll have to choose one of the 3 payment options provided for monthly deduction – Total amount due (TAD), Minimum amount due (MAD) or Fixed amount. After choosing a preferred payment debit type, re-check all the information you have provided and sign the form.

Step 4: Write a Cancelled Cheque & Attach with NACH Form

Now, you need to write a cancelled cheque in favour of credit card account. To write a cancelled cheque, draw two lines on the cheque diagonally with some space in between. In the space between the lines, write “Cancelled”.

After it, attach the cancelled cheque with the completed NACH form.

Step 5: Post NACH/ECS Form to Your bank

Now, you can send a post to the credit card department of the respective bank. You can find the postal address of the respective bank in the NACH/ECS form.

Method 6: Credit Card Bill Payment through Auto Debit / Autopay.


Auto Debit, also known as Autopay, is a payment method where a credit card holder provides an authorization to the card provider to deduct the due card amount from the beneficiary account on the payment due date. Although, the payer account from which the amount will be deducted on a monthly basis, will have to be of the same bank. If one does not hold any saving/current account in that particular bank, then he/she cannot avail auto debit facility.

If you want to discontinue the Auto Debit facility, then you have to download and send the completed Auto-Debit Deactivation letter to your bank in order to stop the auto debit payment towards your credit card account.

Similar to NACH/ECS facility, a payment bounce on Auto Debit facility will result in a penalty equal to 2% to 3% of the due amount, subject to be minimum Rs. 450 to Rs. 500 depending upon the bank.

Step 1: Download Auto Debit form & Take a Print

Download the Auto Debit form for your bank and take a print-out of it.

Given below are the downloadable Auto Debit / Autopay forms for the popular banks.

Step 2: Fill the Auto Debit form

Fill in the details in the auto debit form such as bank account number and account type, credit card account number, your name and address.

Step 3: Choose Payment Debit Type & Sign the Form

After providing all the necessary information, choose from the two payment debit options available in the form, Total amount due or Minimum amount due.

Once you have selected a payment debit option, re-check the form for any correction or information that you have forgotten to fill and put your signature on the form. The signature must match the signature registered with your savings/current account.

Step 4: Write a Cancelled Cheque & Attach with Auto Debit Form

Now write a cancelled cheque in favour of your credit card account by drawing two diagonal lines on the cheque with some space in between. Within the space between the lines, write “Cancelled” and attach it with the auto debit form.

Step 5: Send the Form to the bank

Now, send the completed auto debit form and the cheque to the bank through post or courier. You need to send the form to the registered address of the bank as mentioned in the auto debit form.

Method 7: Credit Card Bill Payment through BHIM UPI App


BHIM UPI (Unified Payments Interface) is an instant payment method provided by NPCI (National Payments Corporation of India) in order to encourage cashless transactions. The maximum transaction limit for UPI is Rs. 1 Lac per transaction.

On making the payment through UPI app, the amount will be credited on the credit card account instantly. All of the banks have provided their own BHIM UPI app. However, you can also use BHIM UPI app launched by NPCI itself for Android devices from here, and iOS devices from here.

Step 1: Open UPI App

You need to open BHIM UPI app on your mobile phone first using the UPI App PIN. If you are using the app for the first time, then you have to first register yourself using the following steps:

  • Setup BHIM UPI app login account & register with your mobile number.
  • Create a VPA (Virtual Payment Address) of your choice using the given handle. For example, @sbi for sbi accounts.
  • Set your UPI Pin

Step 2: Select Pay

After logging into the app, you’ll see a “Pay” icon on the dashboard. Click on the icon to start the procedure.

Step 3: Choose Payment Method

Now, you’ll have to choose VPA page as your payment method and you’ll see the VPA payment transfer form on the page.

Step 4: Provide Credit Card Payment Details

Now, if you have chosen to pay using VPA, then you’ll have to first search the VPA for the credit card payment of the respective bank. Click on Pay by VPA and enter the VPA for the credit card payment for the same bank to search. Now, click on the Search result for the respective bank which you can either choose to use once or add to the UPI contacts to make payments in the future as well.

You can find the VPA for the credit card payment for some popular banks below.

Step 5: Enter Amount & Click on Go

Now, on the VPA payment page, enter the amount that you wish to pay towards your credit card charges and click on “Go” button.

Step 6: Verify the UPI PIN

After clicking on the go button, you’ll be asked to provide MPIN / UPI PIN for authentication for the transaction. Enter the MPIN/UPI PIN and click on the tick icon below on the page.

Step 7: Receive the Confirmation

On authenticating the transaction, you’ll see a transaction status page whether it is successful or failed as well as the transaction id.

Here are credit card VPA payment handle for some banks.

FI Credit Card Payment VPA
SBI [email protected]
ICICI Bank [email protected]

Method 8: Credit Card Bill Payment through RTGS


RTGS (Real Time Gross Settlement) is a digital payment system similar to NEFT. However, the main difference between the two is that NEFT only allows you to pay maximum Rs. 50,000 per transaction and the transactions are completed within batches between the NEFT business hours. Whereas RTGS allows you to pay large due amount since the minimum payment amount has to be Rs. 2 Lacs and the payment is processed instantly between 8 AM to 6 PM (may take upto 30 minutes to confirm into the account) except bank holidays and national holidays.

Making credit card payments using RTGS fund transfer attracts charges depending upon whether you have transferred funds within the same bank or from any other bank to your credit card account. Credit card bills paid using RTGS transfer within the same bank are free of cost. On the other hand, if the bills are paid from other bank account, then the said transaction attracts charges from Rs. 30 to maximum Rs. 55.

Apart from it, if there is any delay in returning a failed RTGS payment, then the customer is eligible to receive compensation equal to 2% over the current repo rate (5.75%).

Credit Card Bill Payment through RTGS Transfer using Internet Banking

Follow the steps given below to pay your credit card due amount through RTGS Fund Transfer using internet banking facility:

Step 1: Log In to Your Internet Banking

Before starting the RTGS payment process, you’ll need to log in to the internet banking service of your bank from which you wish to pay the due card amount. You can also login using mobile applications provided by the respective bank.

Step 2: Add Credit Card as RTGS Beneficiary

Post login, go to the RTGS Fund Transfer option under third party fund transfer option and choose Add Beneficiary option.

If you are paying credit card dues from the saving/current account of the same bank, then add the credit card as intra bank beneficiary. Otherwise, add credit card into inter bank beneficiary list.

Step 3: Provide Credit Card Details for Beneficiary

Now, you need to enter credit card details for RTGS fund transfer as the following:

  • IFSC Code for the payment branch of credit card provider.
  • 15-digit or 16-digit credit card number in the place of beneficiary account number.
  • Name of the primary credit card holder as the beneficiary name.
  • Name of the beneficiary bank name, that is, the name of financial institution to which the payment will be sent.
  • Address of the beneficiary branch. Address is usually autofill on providing IFSC code; hence, you might not have to fill in the address.

Step 4: Submit the Beneficiary Details

Now, recheck all the information for any correction. If the information is correct, then click on “Submit” button to complete the beneficiary registration process.

Step 5: Go back to RTGS Fund Transfer

After confirming that your credit card has been registered as RTGS beneficiary in your bank account, go back to the RTGS Fund Transfer and click on “Make Payment” option.

Step 6: Select Credit Card Account & Enter Amount

Now, you need to select the credit card account number from the RTGS beneficiary list and enter the bill amount. You can either choose to pay the minimum due amount or total due amount.

Step 7: Confirm the details & Pay the Bill

Now, confirm the information as visible on the RTGS Fund Transfer page and click on “Pay” or “Confirm” button.

It will take you to the transaction acknowledgement interface of the bank where you can check whether the transaction was successful or failed along with the transaction reference number.

As soon as the amount will be credited into your credit card account, you’ll receive a confirmation message on your mobile number as well as email id registered with your credit card account.

Credit Card Bill Payment through RTGS Transfer using RTGS Fund Transfer Form

Financial institutions also provide the offline RTGS facility by submitting the RTGS Fund Transfer form along with a cheque at the branch premises.

Step 1: Visit Branch & Grab RTGS Fund Transfer Form

Visit the nearest bank branch from which account you want to make a credit card payment along with your bank account cheque book. After entering the branch premises, walk to the reception or help desk and ask for RTGS fund transfer form. Click here to check the sample RTGS fund transfer form.

Step 2: Fill the form

Fill in the rtgs fund transfer form and make sure to correctly provide the information such as 16-digit credit card account number, card due amount, payer account details and payee account details.

Step 3: Write a Cheque

You need to write a cheque in favour of credit card account and make sure to sign at the back of the cheque and mention your registered phone number.

Step 4: Submit the RTGS Form & Cheque

You need to attach the cheque with the form and submit it at the reception or helpdesk. The cheque will be cleared within two working days.

Method 9: Credit Card Bill Payment through IMPS


IMPS (Immediate Payment Service) is a third party fund transfer method, similar to NEFT and RTGS except that IMPS is available 24/7 even on bank holidays and national holidays. Moreover, there is no minimum transaction limit like RTGS. Unlike NEFT, payment made using IMPS are completed instantly. Moreover, the maximum amount which can be paid using IMPS funds transfer is as high as Rs. 2 Lacs per transaction.

The charges levied on IMPS transfer are similar to NEFT, ranging from Rs. 2.50 to Rs. 25 per transactions where credit card payment is made by transferring funds from other bank account. Whereas, the credit card payment made by transferring funds from the saving/current account of the same bank attracts no charges at all.

Follow the steps given below to pay your credit card due amount through IMPS Transfer using internet banking facility:

Step 1: Log In to Your Internet Banking Account

You need to login to the internet banking service of your respective bank from which you wish to pay the due card bills by entering your user id and password.

Step 2: Add Credit Card as IMPS Beneficiary

After logging into the net-banking facility of your respective bank, visit IMPS Fund Transfer option under third party fund transfer facility and select Add IMPS Beneficiary option.

Step 3: Provide Credit Card Details for IMPS Beneficiary

Now, provide the following credit card details:

  • IFSC Code for the payment branch of credit card provider.
  • 15-digit or 16-digit credit card number under the bracket of beneficiary account number.
  • Name of the primary credit card holder as the beneficiary name.
  • Name of the beneficiary bank name, that is, the name of financial institution to which the payment will be sent.
  • Address of the beneficiary branch.

Step 4: Submit the Beneficiary Details

Verify all the information before submitting and correct errors, if any. Once confirmed, click on “Submit” button to complete the beneficiary registration process.

Step 5: Go back to IMPS Fund Transfer

After IMPS beneficiary confirmation, visit IMPS Fund Transfer again and click on “Make Payment” option.

Step 6: Select Credit Card Account & Enter Amount

You need to select the credit card account from the IMPS beneficiary list which you have recently added and enter the bill amount.

Step 7: Confirm details & Pay the Bill

Now, recheck the information before confirming the transaction and if there are no changes required, click on “Pay” or “Confirm” button.

It will take you to the payment confirmation page where you can check if the transaction was successful or not. You can note down the transaction reference number for any future purposes.

The funds will be instantly deducted from your respective bank account and will be forwarded towards your credit card account.

Method 10: Credit Card Bill Payment through Paytm


Paytm is one of the popular digital payment methods available now-a-days due to the increasing number of mobile users. Currently, it supports payment for credit card issued by only major Indian banks with all the card network providers available in India, VISA, Mastercard, American Express and Diners Club.

You can either pay the credit card charges from the available funds within your Paytm wallet, or choose to pay via UPI or Internet Banking facility. However, it charges a transaction charge equals to 2% of the paid amount from the user.

Step 1: Log In to Your Paytm Account

You need to first login into your paytm account to use the facility. You can login using the mobile app available for all mobile platforms.

Step 2: Select Credit Card Option

If you are using Paytm mobile app, then click on the “Credit Card” option available under the Recharge tab on the mobile app dashboard. If you are accessing the facility through a computer, then click here to visit Paytm Credit Card Bill Payment page.

Step 3: Enter Your Credit Card Number

Now, enter your 15 or 16-digit credit card number. On entering the credit card number, the payment interface of the paytm will automatically detect the card network and the bank name.

Step 4: Enter Amount & Proceed

Confirm the details once and enter the amount you want to pay for the credit card bills whether total due amount or minimum due amount. Once done, click on the “Proceed” button.

Step 5: Select Payment Gateway

Select a payment gateway for your credit card dues. Currently, you can choose between net-banking facility, UPI facility and paytm mobile wallet.

If you have already connected UPI facility of your bank account in paytm app, then it will appear on top of the page.

If you have chosen internet banking facility as the payment gateway, then you’ll need to select your respective bank from the bank list. If you are using the respective bank net-banking facility in the paytm app for the first time, then you’ll be asked to provide your respective banks’ net-banking information for authentication.

Step 6: Pay Now

After successfully choosing the payment gateway, a “Pay Now” button will appear on the page.

If you have chosen UPI as payment gateway, then it will ask you to enter your UPI PIN. Whereas, if you have chosen internet banking facility, then it will take you to the transaction authentication prompt of the internet banking facility of the respective bank where you’ll be asked to enter the transaction password.

After providing the UPI PIN / Net-banking password, a payment processing page will appear on the screen.

Step 7: Confirm the Payment

On successful completion of the transaction, an acknowledgement notification will appear on your mobile / computer screen.

Below the acknowledgement message, you can find the payment details like transaction id and order id.

Part 2: Credit Card Offline Bill Payment


Sometimes, the online methods do not work due to technical issues in the payment services provided by the bank, which may take some time to be resolved. However, in this case, you can simply pay your credit card dues at any nearest branch or ATM without waiting any further.

Method 1: Credit Card Bill Payment through Cheque


If you have the chequebook of the bank account from which you wish to pay your credit card dues, then you can even skip the hustle to wait in que and simply drop the cheque in the drop box available at any ATM or branch of the bank from which you have availed credit card facility.

Paying the card due with a cheque is free of cost, unless you are paying the due amount through an outstanding cheque where the card holder is levied with a cheque processing fee of Rs. 100.

Step 1: Write a Cheque

You need to write a cheque in favour of credit card account and make sure to put the signature at the back of the cheque and mention your registered phone number.

Under the bracket of pay to, write your bank name followed by your credit card number such as, if you are holding an SBI Credit Card, then you need to write “SBI Credit Card - XXXXXXXXXXXXXXXX” where XXXXXXXXXXXXXXXX represents your 15 or 16-digit credit card number.

Write the amount in both numbers as well as words and fill in the current date.

Make sure that you cross check the written cheque for any corrections and sign it correctly. The signature must match those of your credit card account. Besides this, also put signature at the back of the cheque along with your mobile number so that bank can reach to you if there is any updation required on the cheque.

Step 2: Visit the Branch of Your Bank

Now, you need to visit any of the nearest branch of your credit card bank along with a valid id proof, cheque written in favour of your credit card account and your physical credit card.

Step 3: Submit the Cheque at the Cash Counter

After you have entered branch premises, walk over to the cashier and hand-over your cheque. You may ask for confirmation if there is any updation required.

Method 2: Credit Card Bill Payment through Debit Card using ATM Funds Transfer


Credit card ATM funds transfer can be an easy option to pay your credit card bill if there is an ATM of the same bank nearby your location. It attracts charges of upto Rs. 100 per transaction or above depending upon the bank. However, some banks doesn’t levy any charges on this.

Step 1: Visit ATM Kiosk

First of all you need to visit any of the nearest ATM of your respective bank along with the physical debit card. As you walk into the ATM, make sure it is not out of service.

If the ATM machine is working, swipe/dip your debit card into the machine.

Step 2: Select Language & Enter Card PIN

Now, before you can move forward, you need to choose a preferred language for ATM menu. You can choose between English, Hindi or any local language.

After choosing the language, it will ask you to provide debit card pin to authenticate the transaction.

Step 3: Select Bill Payment option

Now, you need to look for Bill Payment option and click on it. Depending upon the ATM kiosk of the bank you are currently using, you may find it on the screen right after entering the debit card pin.

If not, then you can look for bill payment under “Services” or “More Options” menu.

Step 4: Select Credit Card Bill Payment option

Once you have found bill payment menu, now look for “Credit Card Bill Payment” option and click on it.

Step 5: Enter Credit Card Number

Now, you need to provide the 15-digit / 16-digit card number as mentioned in front of your credit card.

Step 6: Enter Bill Amount

Similar to other payment methods, you can either pay the total due or the minimum due amount. However, depending upon the ATM machine interface of the respective bank, you may have the option to choose between TAD and MAD.

If there is no option to choose between TAD and MAD, then you’ll have to calculate the amount on your own in case you want to pay minimum due balance.

After opting between the payment option, you need to click on “Submit” button visible on the ATM screen to complete the transaction.

Step 7: Collect Receipt

After submitting the amount, you’ll be taken to the transaction status page where you’ll be able to see if the transaction has been successfully completed or not.

If the transaction has been completed successfully, then you will be asked to take a printed receipt of the transaction. However, you can choose to skip to save paper since you will always receive the transaction confirmation through message or email on your registered contact details.

Method 3: Credit Card Bill Payment by Cash at the nearest Bank Branch


If you are old fashioned and want to pay the credit card bill by visiting the nearest branch of your respective bank, then you can do so by filling out a payment deposit receipt available on the bank branch. However, you must know that paying the credit card bill in cash over the cash counter at the branch will attract certain charges which may range from Rs. 100 to Rs. 150 depending upon the bank.

Step 1: Visit the Branch of Your Bank

Walk into the nearest branch of your respective bank along with a valid id proof, cash, your physical credit card and of course, a pen. As you enter the branch premises, ask for the cash deposit receipt to the person available at the reception or help desk.

Step 2: Fill Cash Deposit Slip

Once, you get the cash deposit slip, fill it correctly. You need to mention the credit card number under the bracket of account number, following the bank name.

For example, if you are making a payment for HDFC Bank Credit Card, then you will have to write “HDFC Bank Credit Card - XXXXXXXXXXXXXXXX” where XXXXXXXXXXXXXXXX represents your 16-digit hdfc credit card number.

After you have written the credit card account number correctly, mention the current date, amount, the name of the card holder and cash denomination. If your credit card bill is above Rs. 50,000, then you will also have to provide your PAN number in the deposit slip.

Make sure to recheck the deposit slip for any correction.

Step 3: Sign the Deposit Slip & Submit to Cashier

Now, put your signature on the deposit slip, over the “Signature of Depositor”. It must match with the signature you have provided in your credit card account. Also, do a complimentary signature at the back of the deposit slip and submit it to the cashier.