Different Ways to Make Your Credit Card Payment Online

To make credit card payments on time, it is important to know how credit card bills can be paid. Which are the online and offline payment methods? Let us discuss these methods so we can wisely choose and not miss paying the credit card bills.

How to Pay Credit Card Bills Online?

In this digital age, there are various ways of paying your credit card payment online. Almost all of the credit card companies in India offer internet banking. They usually partner with third-party bill payment services to facilitate easy payment of credit card bills. 

Below are the ways you can pay your credit card bills online.

• Via internet banking
• NEFT/RTGS online funds transfer
• IMPS funds transfer method
• Signing up for an Auto-debit facility
• Through the BillDesk
• Mobile wallets and payment systems

Paying credit Card Bills using Net Banking

Making credit card bill payments using net banking is easy. Follow the below steps –

• Make sure you have a net banking ID and password.
• If not, go to the bank website and register yourself for net banking.
• The bank will verify details and generate a net banking ID and password specific to your savings/current account.
• You can change the password if needed.
• Now, register the credit card details in your net banking profile.
• Once that is done, you can pay your credit card bills whenever you like.
• The amount will be deducted from your savings/current account balance.

Paying credit Card Bills using NEFT

• Payments made via NEFT allow you to make payments for credit cards using any net banking account. 
• The credit card and savings account need not be from the same bank. 
• The payment is made using your savings account balance. 
• Make sure you have added the credit card as a “Beneficiary” before you initiate the payment.
• To register a credit card, you will need to enter details like “credit card number”, “expiry date”, “CVV number”, “IFSC code”, etc. 
• IFSC code is unique so make sure you are giving the right IFSC code.
• The credit card payment will be processed within one working day.

Paying credit Card Bills using IMPS

• Firstly, download the mobile application of the bank where you have a savings/current account.
• Login to mobile banking using your user ID and password.
• You will see an “IMPS” option.
• Click on that and proceed with necessary details like a bank account, phone number of billers, MMID, billing amount, and credit card number.
• Confirm the details and proceed with the payment.

Paying credit Card Bills using BillDesk

• BillDesk lets you make credit card bill payments without having the need to have an online account.
• This online platform is offered by banks and credit card issuers to their customers to facilitate easy payment of credit card bills.
• BillDesk allows you to pay credit card bills of any bank using net banking or a debit card of any bank.

Paying credit Card Bills using Mobile Wallets and Payment systems

• This is a new-age payment system that makes making credit card bill payments very easy.
• Paytm, GooglePay, PhonePe, etc. are some of the platforms that allow payment of credit card bills.
• To pay your credit card bills, you simply need to download the app, create an account, link your savings account or debit card, transfer money into your wallet, enter the credit card details, and make the payment.

Credit Card Bill Payments through PhonePe

• Download the PhonePe app on your mobile.
• Go to the “Recharge and Pay Bills” tab.
• Click on “Credit Card Bill”.
• Click on “+ Pay another card”.
• Enter the credit card details for which you want to make payments.
• You can now go ahead and link your credit card to your PhonePe account. 
• It will now allow you to make credit card bill payments.

Credit Card Bill Payments through Paytm

• Download the Paytm app on your mobile.
• Go to the “Recharge and Pay Bills” tab.
• Click on “Credit Card Payment”.
• Click on “+Pay another card”.
• Enter the credit card details for which you want to make payments.
• You can now go ahead and link your credit card to your PayTm account. 
• It will now allow you to make credit card bill payments.

Credit Card Bill Payments through MobiKwik

• Go to the MobiKwik website.
• Click on “Credit card bill payment”.
• Enter the details of the credit card you want to pay for.
• Enter the amount you want to pay.
• Click on “Go”
• Proceed to complete the credit card bill payment.

Credit Card Bill Payments through GooglePay

• Download the GooglePay app on your mobile.
• Click on “Pay Bills”.
• Click on “Credit card bill payment”.
• Now, choose the bank that has issued the credit card.
• If no account is linked, click on “Link account”.
• Enter your credit card details.
• Click on “Link account”.
• Now, you can make payments for your credit card bills.

Credit Card Bill Payments through Auto-debit facility

• Register for the net banking facility for your savings account.
• The net banking portal allows you to register for the auto-debit facility.
• Using the auto-debit facility, you can set standard instructions to transfer payments every month on a designated date.
• It gives you the option to select payment for the minimum amount due or the total amount due.
• You can either register for the auto-debit facility by giving a written request or through the net banking portal.
• The auto-debit facility will start working after registration. Your next credit card bill payment will happen on its own based on the instructions set.

Credit Card Bill Payments through Other Banks

• You can pay credit card bills by using another bank’s net banking. 
• Go to your credit card bank’s third-party payment page.
• Enter your card number and credit card type.
• Enter details like mobile number, email ID, etc.
• Enter the amount that you want to pay.
• Select the bank that you would like to pay and then complete the rest of the process.

How to Pay Credit Card Bills Offline?

Credit card issuers also allow offline methods for payment of credit card bills. Below are the ways a credit card bill can be paid offline.

• Call the customer care
• Through the bank ATM
• Walking into the bank and making the payment
• Through a demand draft or cheque

Conclusion

Paying for your credit card bills can be done both online and offline. You can pay through net banking, IMPS, NEFT, Paytm, Google Pay, PhonePe, BillDesk, auto-debit facility, etc. Offline methods are calling customer care, through ATMs, demand drafts, cheques, or by walking into the bank and paying over-the-counter.