Credit Card Login

In case you come across any problem while using the credit card netbanking portal or have any doubts, such as questions related to your credit card payment, offers, etc., you can contact the credit card customer care helpline. The credit card customer helpline numbers are active 24x7 in most cases

Your credit card netbanking account can be blocked if you enter the incorrect IPIN more than 3 to 5 times (varies from lender to lender) or if you have not used the service for over 120 days.

No, there are no charges levied for using the credit card netbanking service.

To link your credit card to netbanking, you must first register for the credit card netbanking facility with the issuing bank. Once you have completed the credit card netbanking registration, follow the steps mentioned below:

• Log in to your netbanking account.

• Go to the ‘Credit Card’ section.

• Select “Register New Card’.

• Enter the credit card details, as requested.

• You should receive an OTP on your registered mobile number.

• Enter the OTP and click on ‘Submit’.

• Your card will be linked to your netbanking account.

Although both credit cards and debit cards may look the same, they work in completely different ways. A debit card is linked to a bank account; each time you make purchases, payments or cash withdrawals using the card, funds from your bank account are deducted. You can only use a debit card if you have enough funds in your bank account. 

A credit card, on the other hand, is more like a line of credit. Each time you use your card for a purchase, withdrawal or payment, you essentially borrow money from the card issuer. The amount that you borrow would have to be repaid within the specified due date mentioned in your monthly credit card statement. 

Failing to do so will attract a penalty and may also lead to you having to pay interest on your borrowings. With credit cards, you can pay for products and services even when you’re short on cash. 

The absolute due, also known as the total amount due, is the total amount of money that you’ve spent during a monthly billing cycle. This is the amount that you will have to repay on or before the specified due date to avoid running into issues like penalties, interest or card deactivation. 

The least due, also known as the minimum amount due, is a percentage of the total amount due during a monthly billing cycle. It is the minimum amount that you would have to pay on or before the due date to keep your card active. However, if you choose to pay just the minimum amount due, you will lose the credit card interest-free period and interest will be levied on your remaining outstanding dues till the time you completely pay them off. 

You can find out the total amount due and the minimum amount due by accessing the credit card’s online login portal with your user credentials.

Yes. All credit cards levy interest if you don’t clear the total outstanding amount on or before the given due date. The interest will continue to be charged on the outstanding amount till the time the entire dues are settled. The rate at which it is charged, however, may vary from one credit card to another.