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A Bank of Baroda Credit Card can help you make purchases within the available credit card limit. Besides the security and convenience, these credit cards have special benefits too! All these and much more, apart from allowing you to save more when you use a Bank of Baroda Credit Card. Moreover, with Bank of Baroda offering umpteen credit card bill payment options, you can easily clear your dues on time.

Bank of Baroda Credit Card Payment: Online Methods

Here are a few hassle-free methods to initiate your Bank of Baroda Credit Card payment online through the following ways:

1. NEFT

You can complete your BoB credit card bill payment via National Electronic Funds Transfer (NEFT). Here is what you need to do to avail the service:

  • Visit the BoB website

  • Log in to your Bank of Baroda net banking account

  • Select ‘NEFT’ under the ‘Fund Transfer’ tab

  • Click on ‘Add beneficiary’

  • Enter your BoB credit card details, i.e., your name, credit card number in the beneficiary account number tab, bank name, and IFSC code 

  • Select the beneficiary and enter the payment amount

  • Choose the account you wish to debit the amount from

  • Enter valid details such as your name and registered mobile number

  • Validate the OTP sent to your phone number
  • Receive a message on your registered mobile number once the payment has been credited to your credit card account

 

It may take almost 24 hours to add the beneficiary to your account.

2. RTGS

You can also use Real-Time Gross Settlement (RTGS) service for Bank of Baroda credit card bill payments online. Here is the process to complete the fund transfer.

  • Log in to your Bank of Baroda internet banking account

  • Select ‘RTGS’ under the ‘Fund Transfer’ tab

  • Click on ‘Add beneficiary’

  • Enter your BoB credit card details

  • Select it once the beneficiary has been added, and proceed to pay the credit card bill

  • Enter the payment amount, select the account you wish to debit the amount from

  • Enter the remarks (name and registered mobile number), and validate with the OTP sent to you

  • Wait to get a message on your registered mobile number once the payment has been credited to your credit card account

3. InstaPay

The bank’s Insta Pay service also allows BoB credit card payment, which is provided through net banking:

  • Visit Bank of Baroda’s ‘InstaPay’ page

  • Enter your credit card number 

  • Validate with a captcha and click on ‘Proceed’

  • Verify the name, email ID, and phone number, and enter your BoB credit card bill amount

  • Choose your bank from the given list to make the payment

  • Follow the instructions and authenticate the payment

4. BillDesk

Here is how you can use BillDesk’s online payment gateway to complete your Bank of Baroda credit card payment: 

  • Go to the Bank of Baroda’s BillDesk page

  • Proceed to pay the credit card bill

  • Enter your BoB credit card number and choose the card type

  • Fill in your email ID and the bill amount you wish to pay

  • Choose the account to debit the amount from

  • Log in to the account

  • Fill in the details requested and enter the OTP

 

Once the BillDesk BoB credit card payment is authenticated, the money will be deducted from your account, and your credit limit will be replenished.

5.  Self-Service Portal

To complete your Bank of Baroda credit card payment using a self-service portal, follow these simple steps:

  • Visit the ‘Modes of payment’ page from Bank of Baroda’s website

  • Click on the ‘Pay’ option of the self-service portal

  • Enter your credit card number in the given field

  • Validate with a captcha and click on ‘Proceed’

  • Verify the name, email ID, and phone number, and enter your BoB credit card bill amount

  • Choose the bank from which you want to deduct the funds

  • Follow the instructions and authenticate the payment once redirected to a new page

6. Razorpay

You can also pay your Bank of Baroda credit card payment via the payment link powered by Razorpay. Follow this process to clear your credit card dues: 

  • You will receive a payment link each month if you choose to pay the bill using Razorpay

  • Click on the link and select your payment method as either net banking, debit card, or UPI

  • Authenticate your payment using OTP

7. Auto Debit

The bank also provides an option to set standing instructions for an automatic debit from your account to pay your credit card bill. The BoB credit card payment amount will be deducted on a chosen date every month. 

 

Moreover, you may also need to choose whether you want to pay only the minimum or the total due amount. Once registered, your payments will be automated, and you need not stress about missing your payment due date.

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Bank of Baroda Credit Card Payment Offline Methods

Here are the offline payment options offered by the Bank of Baroda:

1. Cash

Follow this process to complete your BoB credit card payment via cash:

  • Visit your nearest bank branch

  • Fill out a deposit slip and hand it over to the bank executive along with the cash

  • You will be provided with an acknowledgement slip once the payment is successful

2. Cheque

To clear your dues for the credit card using a cheque, follow these steps:

  • Submit your cheque at the bank’s ATM or branch

  • Mention your 16-digit credit card number, your name, and your registered mobile number at the back of the cheque

Processing Time for the Credit Card Bill Payment Modes

The payment processing time for different online and offline channels offered by Bank of Baroda are as follows:

BoB Credit Card Bill Payment Method

Processing Time

NEFT

Within 1 day

RTGS

Within 1 day

Insta Pay

Up to 2 days

Self-Service Portal

Up to 2 days

BillDesk

Up to 3 days

Auto Debit

Date set as per standing instruction (Ideally, before the due date to avoid late payment charges)

Razor Pay

UPI: Same day

Debit Card: Within 3 working days

Net Banking: Within 3 working days

Cash

Same day

Cheque

Up to 2 working days for a BoB cheque and up to 5 working days for other banks’ cheques

Benefits of Making Bank of Baroda Credit Card Payments on Time

Timely credit card bill payments offer you a multitude of benefits that include:

  • Building an excellent credit score

  • Maintaining financial discipline 

  • Avoiding unnecessary late fees or penalty charges

  • Getting special offers and deals 

 

So, choose the best payment mode and never miss out on paying your Bank of Baroda Credit Card bill on time. 

 

Know more about top Bank of Baroda Credit Cards like the Bank of Baroda CA Credit Card, Bank of Baroda Eterna Credit Card, and Bank of Baroda Prime Credit Card on Bajaj Markets. 

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

How can I pay my Bank of Baroda Credit Card bill?

Bank of Baroda allows you to pay your credit card bills online and offline. For offline payment, you can deposit either cash or a cheque. On the other hand, you can also pay using NEFT, RTGS, InstaPay, BillDesk, Self-service portal, or Razorpay for Bank of Baroda Credit Card payment online. Additionally, setting a standing instruction with your bank for an auto-debit is also an option. 

How can I pay my Bank of Baroda Credit Card bill instantly?

You can pay your credit card bill instantly using online methods like NEFT, RTGS, Insta Pay, BillDesk, Self-Service Portal, and Razorpay. However, the time taken for the money to get reflected in your account may vary depending on the mode you opt for. If you need instant processing of your payment, you can use the UPI payment option under Razorpay and BillDesk. You can also pay your credit card bill in cash at your nearest branch and process the transaction on the same day.

How do I check my Bank of Baroda Credit Card balance?

After the Bank of Baroda Credit Card bill payment, you can check your credit card balance by logging into the bank’s net banking portal. To check your balance, you can send a message ‘BAL’ and the last four digits of your credit card number to +91 9223172141.

Can I check my Bank of Baroda payment status online?

Yes, you can check your credit card payment status online through SMS or an e-bill facility. 

 

Can I pay my Bank of Baroda Credit Card online payment through the IFSC code?

Yes, you can complete the Bank of Baroda Credit Card payment online using the IFSC code. The RTGS facility allows you to make a payment of up to ₹2 Lakhs. For Bank of Baroda Credit Card payment, use the IFSC code ‘BARB0COLABA’.

What is the minimum amount required for Bank of Baroda Credit Card payment?

The minimum repayment amount for Bank of Baroda Credit Card payment is 5% of the outstanding balance or ₹100, whichever is higher.  

How can I repay my Bank of Baroda Credit Card bill payment through SMS?

Bank of Baroda does not allow you to clear the credit card dues via SMS. You can only receive your credit card updates through SMS. 

 

How to pay the Bank of Baroda Credit Card bill through IMPS?

Add a beneficiary to your net banking account to pay your credit card dues through IMPS. After the beneficiary is added, proceed to pay the bill using IMPS. 

What is the Bank of Baroda Credit Card payment grace period?

The Bank of Baroda provides a grace period of 20 to 50 days if there are no outstanding dues on your card. 

 

What is a Bank of Baroda Credit Card payment due date?

The bill date and due date for the Bank of Baroda Credit Card bill payment are the 1st and 20th of every month.

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