With the growing preference for cashless transactions, credit cards have become the most sought-after payment solution. Not only does a credit card let you transact without cash, but it also lets you purchase on borrowed funds, which can be easily repaid in convenient EMIs. As a result, more and more people are using credit cards to make purchases and transactions. So, to enhance the experience of using a credit card as well as to offer easy managerial access, credit card issuers are providing netbanking facilities when you apply for a credit card.
The credit card online net banking facility offers a range of services related to your credit card. Using the CC net banking portal, you can view your account information, such as the total and available credit limit on your card, the cash limit, unbilled transactions, past credit card statements, and so on. The online facility can be used to make requests to block your card, set up an auto-pay facility, generate a new IPIN, and much more. You can also pay your pending credit card bills on the credit card net banking portal easily.
While using a credit card is easy, it is essential that you clear the credit card bills on time. Failing to do so can negatively impact your credit score while also throwing you into a debt spiral. This is because the more the amount due on the card, the more is the interest charged and the lesser is your chance of securing a loan in the future. Also, late payments attract penalty charges which can further deplete your savings. In such a situation, the quickest and easiest way to make credit card payments is through net banking.
If you are a new user, you’ll have to complete the credit card net banking registration process first. Here are the steps you need to follow for credit card net banking new registration before you make the credit card payment-
Visit the Credit Card NetBanking page on the website
Click on the credit card net banking sign up option
Enter the details requested for and accept the terms & conditions
Validate with the OTP sent to your registered mobile number
Click on ‘Continue’
Enter a strong IPIN and submit
Once the registration process is complete, you can log in to your account using the credit card customer ID or your User ID, and your IPIN.
If you are an existing user, you can easily pay your credit card bill by logging into your account and following a few easy steps.
Visit the net banking page of your bank
Log into the page by using your credentials
Select the card for which you want to make the payment
Select your mode of payment and click submit
You will be redirected to the payment gateway where you can complete the transaction
There are several benefits of making credit card payment through netbanking-
It is extremely convenient and saves you from the trouble of physically visiting the bank to pay your credit card dues.
The transaction happens instantly, as a result, if you are paying your bills just before the due date, you can avoid penalty charges levied on delayed payment.
You are not charged any additional fees for making credit card payments through netbanking, such as transaction fee or service fee, such as in the case of cash payment at the ATM.
The credit card net banking service has several security measures in place which makes it safe to make payments without the risk of online frauds.
In case you come across any problem while using the credit card net banking portal or have any doubts, such as questions related to your credit card login, credit card payment, or others, you can contact the credit card customer care helpline. The customer helpline numbers are active 24x7 and help address queries and grievances.
Your credit card net banking account can be blocked if you enter the incorrect IPIN more than 5 times or have not used the service for over 120 days.
There are no charges levied for using the credit card net banking service.
Credit card login lets you view your account information, such as the total and available credit limit on your card, the cash limit, unbilled transactions, past credit card statements, and so on. The online facility can be used to make requests to block your card, set up an auto-pay facility, generate a new IPIN, and much more.