Bank of Baroda Credit Card Payment

How to do Bank of Baroda (BoB) Credit Card Payment?

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If you have a Bank of Baroda (BoB) credit card, you can use it to make a variety of purchases under the available credit card limit. The cards are even loaded with special benefits while also allowing you to save more. However, to continue enjoying these advantages, it is critical that you pay your Bank of Baroda credit card bill on time. Apart from avoiding late fees, timely bill payment will help you build and maintain a good credit score, which will be useful for securing credit in the future. The bank offers several online and offline modes to pay your Bank of Baroda credit card (CC) bill in a hassle-free way. Let us take a look.

Bank of Baroda Credit Card Payment: Online Methods

You can pay your Bank of Baroda credit card bill online in a hassle-free way using any of the methods mentioned below:

1. BoB Card Online Payment via NEFT

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

• Visit the BOB Financial 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. cardholder’s name, credit card number as beneficiary account number, bank name, bank location, and IFSC code (BARB0COLABA).

• Once the beneficiary has been added (usually takes up to 24 hours), select it, 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.

You should receive a message on your registered mobile number once the payment has been credited to your credit card.

2. Online BoB Card Payment via RTGS

You can use Real-Time Gross Settlement (RTGS) service for BoB credit card bill payment online. The steps to complete the fund transfer process are as follows:

• 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, i.e. cardholder’s name, credit card number as beneficiary account number, bank name, bank location, and IFSC code (BARB0COLABA).

• Once the beneficiary has been added (usually takes up to 24 hours), select it, 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.

You should receive a message on your registered mobile number once the payment has been credited to your credit card.

3. BoB Financial Credit Card Payment Online via InstaPay

BoB CC payment can be done using the bank’s Insta Pay service, which is provided through net banking:

• Go to Bank of Baroda’s ‘Insta Pay’ page.

• Enter your credit card number in the field provided.

• Validate with 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 list of over 50 banks across India to make the payment.

• Once redirected, follow the instructions and authenticate the payment.

4. Bank of Baroda Credit Card Payment via BillDesk

You can use BillDesk’s online payment gateway to clear your Bank of Baroda credit card dues. Here is how you need to go about it:

• Go to the Bank of Baroda BillDesk official 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 that you wish to pay.

• Choose the account to debit the amount from.

• Once redirected, login 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 savings account and your credit limit will be replenished.

5. Bank of Baroda Credit Card Payment via Self-Service Portal

To pay your Bank of Baroda credit card bill via the self service portal, you need to follow the steps mentioned below:

• Go to the ‘Modes of payment’ page from the official home page of Bank of Baroda.

• Click on the ‘Click to Pay’ option under the Self-Service Portal.

• Enter your credit card number in the given field.

• Validate with 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.

• Once redirected, follow the instructions, and authenticate the payment.

6. Bank of Baroda Online Credit Card Payment via Razorpay

You can use the personalised payment link powered by Razorpay to pay your Bank of Baroda credit card bill on time. The link containing all the payment details of your credit card will be shared with you every month on your registered mobile number or email ID. All you need to do is click on the link, enter the amount to be paid, select the mode of payment as either net banking, debit card, or UPI. Once redirected, follow the steps as per the chosen mode to complete the transaction.

7. Online Payment of BoB Credit Card Bill via Auto Debit

You can set standing instructions with BoB to auto deduct your credit card bill from your savings account on a given date every month. Along with the payment date, you would also need to choose whether you want to pay only the minimum amount due or the total amount due. Once registered, your payments will be automated, and you would not have to worry about missing your payment due date.

Bank of Baroda Credit Card Payment Offline Methods

BoB credit card bill payment can be done offline using any of the methods mentioned below:

• BoB Financial Credit Card Payment via Cash

To pay your Bank of Baroda credit card bill in cash, you need to visit your nearest bank branch. You would need to fill a deposit slip and hand it over to a bank executive along with the cash. Once the payment is logged, you will be provided with an acknowledgement slip against your cash deposit.

• Bank of Baroda Credit Card Bill Payment ia Cheque

You can even pay your credit card bill by submitting a cheque at the bank’s ATM or branch. Do remember to mention your 16-digit credit card number, your name, and your registered mobile number on the back of the cheque.

Processing Time for BoB Credit Card Bill Payment Modes

The payment processing time for the different online and offline channels offered by Bank of Baroda for credit card bill settlement are as follows:

Timely bill payments can help build a good credit score, maintain financial discipline, as well as avoid unnecessary fees and charges. So choose the payment mode that works best for you and never miss out on paying your credit card bills on time.

Know more about top Bank of Baroda Credit cards like - Bank of Baroda CA Credit Card, BOB Eterna Credit Card, BOB Prime Credit Card.