Credit Card Bill Payment Through Debit Card

Make the most of your debit card and pay your credit card bills with it!

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Are you looking for a convenient way to pay your credit card bills? Today, you have many options to do so. Credit card bill payment through a debit card is one of the options you can use to clear your dues. Say goodbye to late fees and missed payments as we walk you through the straightforward process, making managing your finances a breeze.

Online Methods

Here are the different online methods through which you can close your credit card bill payment with the help of your debit card:

Bank's Online Portal

Log in to your bank's website
Navigate to the credit card section
Choose the debit card payment option

Mobile Banking App

Access your bank's mobile app
Select the credit card payment section
Opt for debit card payment

Credit Card Provider's Website

Visit the official website of your credit card provider
Log in
Choose the debit card payment method

Third-party Payment Platforms

Use third-party payment platforms that facilitate credit card bill payments with a debit card.

Auto-Debit Facility

Set up an auto-debit facility through your bank to automatically pay your credit card bill using your debit card.

ATM Payments

Some banks allow credit card payment through ATMs using your linked debit card.

Mobile Wallets

Utilise mobile wallet apps that support credit card bill payments via linked debit cards.

Phone Banking

Contact your bank's customer service through phone banking and initiate a credit card bill payment using your debit card.

Offline Methods

You can also pay your credit card bill through your debit card via offline mode.

Visit Bank Branch

Visit the bank branch where you hold the credit card and make the payment using your debit card.

ATM Payments

Use the bank's ATM to pay your credit card bill using your linked debit card.

Customer Care

Call the bank's customer service and inquire about options to pay your credit card bill offline using a debit card.

Authorised Payment Centers

Some banks have tie-ups with authorized payment centers where you can use your debit card to pay credit card bills.

Cheque Payments

Write a cheque for the credit card bill and drop it at the bank branch's designated cheque drop box.

Cash Payments

Make a cash payment for your credit card bill at the bank branch counter using your debit card.

Note: The availability of these methods may vary based on the policies of the specific bank and region.

Benefits of Paying Credit Card Bills Through Debit Cards

Below are some of the reasons why you should pay your credit card bills through your debit card:

Immediate Settlement

Debit card payments ensure the instant settlement of credit card bills, reducing the risk of late fees.

Convenience

This method offers a convenient and straightforward way to settle credit card dues without the need for additional steps.

Online Accessibility

Payments can be easily made through online banking platforms, providing accessibility from anywhere at any time.

Real-time Tracking

It allows for the real-time tracking of payments, facilitating better financial management.

Avoidance of Interest Charges

Timely debit card payments help avoid interest charges on outstanding credit card balances.

Enhanced Security

Debit card payments often involve secure authentication methods, adding an extra layer of security.

No Additional Accounts Required

This method does not necessitate the creation of additional accounts or services for payment, streamlining the process.

Integration with Banking Services

It aligns with existing banking services, making it seamless for customers already using debit cards from the same bank.

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Can I pay a credit card bill with a debit card?

Yes, you can pay your credit card bill with a debit card, provided both credit card and debit card belong to the same bank. Some banks may accept debit cards from other banks, but it is advisable to first check with your bank.

Can a credit card bill be paid by another card?

Yes, you can pay a credit card bill with another debit card that you own. However, some banks allow using debit cards of their bank to pay credit card bills. Others are open to credit card payment via other bank debit cards, so it is advisable to know this in advance.

How can I pay my credit card bill with another debit card?

You can make credit card bill payments using debit cards through two modes – online and offline. For online mode, simply log on to your bank’s bill payment portal and select the debit card option in payment methods. For offline mode, visit the ATM kiosk of your bank, insert your debit card, and choose the option to pay the credit card bill. You may not be able to pay offline at an ATM kiosk of a bank other than your own.