Are you looking for a convenient way to pay your credit card bills? Now, you will find people making a lot of cashless transactions with the emerging online technology. Today, you have many options to pay your credit card bills. Credit card bill payment through a debit card is one of the options to use which you can clear your dues through online or offline transactions.
Online payment is the most common mode of credit card payment. However, it needs to be noted that most banks will only accept their debit cards for credit card bill payments through debit cards. So, for instance, if you are paying the bill for your credit card of one particular bank, you cannot use a debit card of some other bank to pay for it.
You can, however, use your bank account of a different bank to pay your credit card bill through the netbanking option. Therefore, it is advisable to check with your credit card bank and know all the payment modes and banks they are affiliated with so as to know if you can make a payment using a debit card of a different bank.
You can also pay your credit card bill through your debit card via offline mode. Simply visit the ATM kiosk of the bank whose credit card bill you need to pay, insert your debit card, and select the pay credit card bill option. After entering your ATM pin, payment will be deducted from your debit card. However, once again, it needs to be kept in mind that most banks only allow this facility at their own ATMs and through their own debit cards.
So, for instance, to pay your HDFC Bank credit card bill, you would need to visit an HDFC ATM and pay using an HDFC debit card. While a few banks do allow credit card bill payment through debit cards of other banks, they are the exception rather than the norm.
When you pay credit card bill through debit card, it has a number of advantages, such as:
Ease of Payment – Like all online modes of payment, paying credit card bills using debit cards takes just a few clicks to complete.
No Extra Charges – Most banks do not charge any extra fees for allowing you to pay credit card bills using your debit card, so it is free of cost.
No Registration Required - If you are paying your credit card bill using a debit card of the same bank, no registration is required, thus saving you time.
24 x 7 Payment – Pay your credit card bills at any time of the day at your own convenience.
Avail Offers and Discounts – Many banks offer you discounts and coupons when you make timely payments of your credit card bills online, leading to significant savings.
Nowadays, many banks accept credit card payments via debit cards, from the same bank or a different one. As every banking customer in today’s times has debit cards handy, it has become convenient to have a debit card also as a payment mode for credit card bills. Here are some of the top banks that accept online credit card bill payment through debit card:
Axis Bank has made it very easy and quick for all their credit cardholders to clear their outstanding dues or credit card bills using their existing debit cards. If you have an Axis Bank Debit Card, then visit your nearest Axis Bank and pay your bill using the debit card.
You can make your ICICI credit card payment online through a debit card of any other bank or using your ICICI debit card. The instructions may vary from bank to bank, but ICICI gateway makes the bill payment process very quick and hassle-free.
SBI Bank allows its users to clear their outstanding credit card bills using debit cards from selected banks. You can pay your SBI Credit Card bills using debit cards from 11 different banks, including your SBI Debit Card, using its PayNet facility.
Citibank has made it very easy and quick for all their credit cardholders to clear their outstanding dues or credit card bills using their existing debit cards. If you have a Debit Card from Citibank or any other bank, then visit the Citibank website and pay your bill with their BillDesk facility,
RBL Bank allows its users to clear their outstanding credit card bills using debit cards of selected banks, including your RBL Debit Card. However, it can take up to 3 days for the payment to be credited to the RBL card account.
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 before attempting to make payment for a credit card bill using the debit card of another bank.
Yes, you can pay a credit card bill with another debit card that you own. However, some banks allow using debit cards of their own bank to pay credit card bills, while others are open to credit card payment via other bank debit cards, so it is advisable to know this in advance.
You can make credit card bill payment using a debit card 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.