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Credit Card Payment

Owning multiple credit cards hardly burdens your pocket if you have a regular source of income and an effective plan to pay your credit card bills. As a credit cardholder, you must focus on both these factors and especially on the latter one, as failing to pay credit card bills on time can attract late payment charges and other penalties. Currently, there are various credit card bill payment options available. Therefore, you can make timely payments without paying any charges. Continue reading to learn the different credit card bill payment options.

How to Make Credit Card Bill Payment

To make credit card bill payments, you can choose various online payment options or traditional processes at your convenience. The following sections discuss both the online and offline credit card bill payment options and the multiple payment options that fall under these two options separately.

Online Credit Card Bill Payment Methods

Following is a list of options for making your credit card payment online.

1. Credit Card Online Payment via IMPS

IMPS or Immediate Payment Service is a quick way to make your credit card payment online. The service is reliable, inexpensive, and available 24x7. All you need to do is follow the steps mentioned below.

  • Step 1: Log in to the mobile app or website of your chosen bank.

  • Step 2: Go to the ‘Fund Transfer’ tab and select ‘IMPS’.

  • Step 3: Enter your name, credit card number, bank account for payment, IFSC code of beneficiaries, etc.

  • Step 4: Click on ‘Submit’.

2. Credit Card Payment via NEFT

You can pay your credit card bill online using NEFT or National Electronic Funds Transfer. The steps you need to follow for credit card online bill payment via NEFT are mentioned below:

  • Step 1: Log in to your online netbanking account.

  • Step 2: Add Beneficiary or Biller and enter your credit card details: name of the cardholder, credit card number, bank name, bank location, and IFSC code before selecting NEFT.

  • Step 3: Once the beneficiary details are updated, select it, and proceed to pay.

Note: The payment process may vary from bank to bank.

NEFT allows the interbank transfer of funds from one account to another. As a result, you can use it to transfer money from your savings account to your credit card account.

3. Credit Card Online Bill Payment via Net Banking

Credit card bill payment online can be made easily via credit card net banking. Follow the steps mentioned below:

  • Step 1: Log in to your net banking portal using the credentials.

  • Step 2: Go to the bill payment section and choose internet banking. You will be redirected to the net banking service page of the bank via which you are willing to make payment.

  • Step 3: Register and select the credit card for which you want to pay the bill.

  • Step 4: Select the total due amount, or minimum due amount or any amount you like to pay.

  • Step 5: Click on ‘Confirm’, and the credit card payment will be complete.

4. Credit Card Bill Payment via BillDesk

You can use the online payment gateway of BillDesk to complete your credit card online payment. The steps you would need to follow for the same are mentioned below:

  • Step 1: Go to the BillDesk page of your credit card issuer to pay your credit card bill.

  • Step 2: Enter the credit card number, your mobile number, e-mail ID, and the amount you want to pay.

  • Step 3: Choose the bank whose net banking services you opt for, and click on ‘Pay Now’.

  • Step 4: Once redirected, enter the login details.

  • Step 5: Proceed to complete the transaction by following the instructions.

  • Step 6: Once authenticated, the money will be deducted from your savings account, and your credit limit will be replenished.

5. Credit Card Payment via Mobile Wallet

Some credit card issuers offer you the opportunity to make your credit card payment online through mobile wallets such as Paytm, BHIM/UPI, PhonePe, etc. Follow the steps mentioned below to pay your credit card bill using mobile wallets:

A. Credit Card Payment via Paytm

  • Step 1: Visit the Paytm website or open the mobile application.

  • Step 2: Go to the bottom of the webpage and click on ‘Pay Credit Card Bill’.

  • Step 3: Enter the credit card number and click on ‘Proceed’.

  • Step 4: Next, your credit card will get linked to your Paytm account. Post successful linking, you can complete credit card bill online payment. 

B. Credit Card Payment via PhonePe

  • Step 1: Download the PhonePe app.

  • Step 2: Under the ‘Recharge & Pay Bills’ option, click on ‘Credit Card’.

  • Step 3: Select the credit card provider.

  • Step 4: Enter the credit card number and the amount that you wish to pay.

  • Step 5: Select ‘Pay Bill’ to complete credit card payment online.

C. Credit Card Payment via Google Pay

  • Step 1: Download the ‘Google Play' app and open it.

  • Step 2: Select your credit card issuing bank by clicking on ‘Regular Payment’. Next, click on ‘Credit Card Bill’. Please note that you must link your account to Google Pay.

  • Step 3: Enter the credit card number and verify it.

  • Step 4: Enter the amount you wish to pay and UPI pin.

D. Credit Card Payment via MobiKwik

  • Step 1: Visit the official website of MobiKwik or download the mobile application.

  • Step 2: Select ‘Credit Card’.

  • Step 3: Enter credit card number and bill amount.

  • Step 4: Click on ‘Go’ and follow the instructions.

Do note that the wallet type must support your bank and type of card. Also, you can use only your debit card, net banking account, or UPI address to complete the payment.

E. Credit Card Payment via Visa Money Transfer

  • Step 1: Log in to your bank account using netbanking service.

  • Step 2: Select Visa card payment option under the third-party funds transfer.

  • Step 3: Enter the details of sender and recipient.

  • Step 4: Approve the transaction, and money will be credited to the beneficiary account within 2 working days. 

F. Credit Card Bill Payment via Auto Debit

Using net banking or a written request, you can instruct your bank to auto-deduct your credit card bill from your savings or current account on the due date every month. Follow the steps mentioned below to make credit card bill payment via Auto Debit:

  • Step 1: Register for the auto-debit facility by either posting a written request to the bank or via your net banking account of the savings account.

  • Step 2: Choose to either pay the minimum amount due or the total amount due against your card.

  • Step 3: Once you have registered, the amount will get automatically deducted from your account on every payment due date.

Benefits of Paying Your Credit Card Online

Credit card online payment has several advantages over offline payment, which makes it a popular choice for clearing dues. These include:

  • Convenience: Credit card bill payment which is done online is faster, and more convenient.

  • Security: It is safer because it is authenticated with multiple layers of verification.

  • Automation: You can automate your payments to ensure timely payment without manual intervention.

  • Proof of Payment: Records of online payment are useful for taxation and budgeting purposes.

  • Green Initiative: It is eco-friendly as it saves paper.

  • Cost-effective: You can save on fees and charges levied on credit card offline payment channels such as cash and cheque.

Important Tips for Making Credit Card Online Payment

While processing credit card bill payments online, you must keep certain things in mind. These are mentioned below:

  • Consider Transaction Time

Before selecting any online credit card payment option, you must check the processing time to ensure you do not miss any payment. For instance, if you choose to pay a credit card bill via the bank's internet banking, the processing time is typically the same day. On the other hand, if you prefer to pay a credit card bill via Visa Money Transfer, it will take 2 working days to complete the payment process. Therefore, it is wise to choose an online credit card payment option that aligns with your credit card payment due date. This way, you can be assured of making timely credit card bill payments and avoid paying any late payment charges. 

  • Check Credit Card Statement

Checking credit card statements before making each payment is necessary. This practice helps you to make sure that the charges or total payment amounts are correct. In addition, checking your credit card statement allows you to keep in mind the payment due date and pay it beforehand. 

  • Verify Data

You need to be very attentive while making credit card bill payments online. Double-check the information you are providing, including credit card number, bank account, payment amount, etc., during credit card bill payments.

Offline Credit Card Bill Payment Methods

Following is a list of options for making your credit card payment offline.

1. Credit Card Bill Payment by Visiting Bank Branch

You can simply go to the issuing bank branch, fill out a deposit slip, and make your credit card payment offline via cash. However, do note that you would need to pay a fee for the service. This fee varies from bank to bank and card to card. It takes 1 working day to process the credit card bill payment via cash.

2. Credit Card Bill Payment via Customer Care

Some banks allow you to pay your credit card bill instantly through the credit card customer care IVR service. However, you must own a savings account or a current account with the issuing bank. As there is no human interaction and you follow the steps suggested by the IVR, the process is safe and dependable.

3. Credit Card Bill Payment Through Debit Card at ATM

If you own a debit card from the issuing bank, you can go to any ATM of the bank and make your credit card payment through a debit card. Since the amount gets instantly transferred from one account to another, the process is quick and easy.

4. Credit Card Bill Payment via Cheque

You can even pay your credit card bill by drawing a demand draft (DD) or a cheque in the name of the issuing bank and depositing it at the bank branch or ATM dropbox. However, do note that it can take up to 3 business days to clear the cheque if the credit card issuer and cheque issuing bank is the same or else it will take 5 working days. In the case of an outstation cheque, it might take 12-21 days to process the cheque.

FAQs on Credit Card Payment

✔️Can missing one credit card bill payment affect my credit score?

Yes, missing credit card bill payments for even one cycle can affect your credit score significantly. You should clear all your dues on time.

✔️Why make credit card payments on time?

Paying your credit card dues on time is critical to ensure that you are not charged interest on the transactions. Moreover, it also ensures that your credit score is not affected.

✔️Which are some of the fastest methods to pay my credit card bill?

Opting for an online credit card bill payment method through various online channels such as UPI, netbanking is one of the fastest ways to pay your credit card bill


✔️Can I make my credit card bill payment from another bank?

Yes, you can make credit card bill payments from another bank account via NEFT. In this process, you have to add your credit card number as the payee to complete payment.

✔️How to pay a credit card bill from another credit card?

You can pay a credit card bill from another credit card through an e-wallet, balance transfer, and cash.

✔️How much should I pay on my credit card to avoid interest?

There is no particular minimum amount required to avoid paying interest. You must pay off your credit card balance in full to avoid interest. By paying off your credit cards completely each month prior to the grace period expiring, you can avoid paying interest. The grace period for credit card bill payment typically lasts from the 21st to the 27th of each month.

✔️ Does this mean that if I don't have a credit card statement, the charge will be zero?

No, not always. There's a chance that you won't get a statement for that month if you haven't made any purchases with your credit card. Please call the bank's customer care to confirm that there isn't a payment due if you can remember using your credit card or are unsure and you haven't received a statement.

✔️When is the best time to pay your credit card bill?

It is advisable to pay your credit card bill as soon as the bank generates the bill for the month. However, it can be paid on the due date as well. But, you must be wary of the fact that the credit card bill must be paid on time, or else a late payment fee can be charged by the bank.


If there is a longer delay in paying the credit card bill, your card can be deactivated, and your credit score can suffer heavily.

✔️How long does Paytm take to process my credit card statement?

It takes up to three working days for the payment made through Paytm to reflect in your credit card account. However, you must be aware that you must have a Paytm account to make your credit card payments through Paytm.