Credit Card Payment

Credit Card Bill Payment

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How to Make a Credit Card Payment?

A credit card is ideal for catering to all your daily and occasional expenses, worry-free. However, to keep enjoying the several advantages of the cashless payment tool, you must ensure paying the credit card bill by the payment due date. This would also allow you to build and maintain a good credit score. Luckily, there are several methods available for credit card payment online and offline to make the task smooth and hassle-free for you. Let us take a look at them.

Credit Card Online Bill Payment Options

Here’s 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 CC payment online. The service is reliable, inexpensive, and available 24x7. All you need to do is follow the steps mentioned below.

  • Log in to the bank’s mobile app or website
  • Go to the fund transfer tab and select ‘IMPS’
  • Enter the details- name, credit card number, bank account to deduct funds from, and remarks.
  • You would also need to provide the IMPS account number and IFSC code or mobile number and MMID
  • Validate with OTP and click on confirm.

2) Credit Card Payment via NEFT-

You can pay your credit card bill online using NEFT or National Electronic Funds Transfer. 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. The steps you need to follow for credit card online bill payment via NEFT are mentioned below. However, do note that the process may vary from bank to bank.

  • Log in to the net banking account of your bank.
  • Go to the fund transfer tab and select ‘NEFT’
  • Click on ‘Add beneficiary’
  • Enter your credit card details- beneficiary name (cardholder’s name), beneficiary account number (credit card number), bank name, bank location, and IFSC code.
  • Once the beneficiary details are updated, select it, and proceed to pay.
  • Enter the payment amount, select the account to pay from, enter remarks and validate with OTP.

3) Credit Card Online Bill Payment via Netbanking-

CC bill payment online can be done easily from your net banking account. All you have to do is log in to your online savings account and follow the steps mentioned below.

  • Go to the ‘credit cards’ section
  • Register and select the credit card for which you want to pay the bill
  • Click on the option to ‘pay your credit card bill’
  • Enter the amount to be paid
  • 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, Bill desk to complete your CC online payment. The steps you would need to follow for the same are mentioned below-

  • Go to the Bill desk page of your credit card issuer to pay your credit card bill
  • Enter the credit card number, card type, your email ID and the amount you want to pay
  • Choose the bank whose net banking services you wish to avail
  • Once redirected, enter the login details
  • Proceed to complete the transaction by following the instructions
  • 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. However, 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. Here are the steps you need to follow to pay your credit card bill using mobile wallets-

  • Login to your mobile wallet account via app or website
  • Select the option ‘credit cards’.
  • Add your credit card as beneficiary.
  • Once your credit card is linked, proceed to pay the credit card bill.
  • Enter the billed amount and click on ‘Proceed’.
  • You can choose between net banking, debit card and BHIM UPI to pay.
  • Complete the transaction by entering the details for the chosen mode.

6) Credit Card Payment via Visa Money Transfer-

Visa transfer is a payment facility offered by some banks whereby you can use your Visa debit card to clear your credit card dues. The money is transferred from the savings bank account linked with the card to the beneficiary account. It may take up to 3 to 4 days to process the payment. You can opt to schedule your payments using Visa money transfer as well as track past payments easily.

7) Credit Card Bill Payment via Auto Debit-

You can instruct your bank via net banking or through a written request to auto-deduct your credit card bill from your savings or current account on the due date every month. You would need to choose to either pay the minimum amount due or the total amount due against your card. Once you have registered, the amount will get automatically deducted from your account on every payment due date.

Credit Card Offline Payment Methods

Here’s a list of options for making your credit card payment offline.

1) Credit Card Payment using Cash

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

2) Credit Card Payment by Calling the Customer Care

Some banks allow you to pay your credit card bill by calling the credit card customer care IVR service. However, for this, you must own a savings account or a current account in 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 Payment via 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 would instantly get transferred from one account to another, the process is quick and easy.

4) Credit Card Payment via Cheque/DD

You can even pay your credit card bill by drawing a Demand Draft or a cheque in the name of the issuing bank and deposit it at the bank’s ATM or branch. However, do note that it can take up to 3 days to clear the cheque. 

Benefits of Credit Card Online Payment

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

  • Credit card bill payment online is faster and more convenient.
  • It’s safer because it is authenticated with multiple layers of verification.
  • You can automate your payments to ensure timely payment without manual intervention.
  • Records of online payment are useful for taxation and budgeting purposes.
  • It’s eco-friendly and convenient.
  • 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

There are few things you should keep in mind when making online payments to ensure they are smooth and accurate.

  • Check the credit card statement generated, for transactions, charges, and total amount due.
  • Double check all details entered to ensure that the payment goes through the first time.
  • Link your credit card to the net banking account to save time.
  • Transact over a secure network.
  • Use the digital keyboard to type your password.
  • Do not share or save your passwords.

If you do not have a credit card or are looking to get a new one, you can apply for a credit card from the Finserv MARKETS platform. There are several cards from some of the top banks in the country to choose from. You can compare the features, match them to your needs and select the best credit card for yourself.


  • ✔️How can I make my Credit Card Bill Payment Online?

    You can make your CC payment online via credit card payment NEFT, IMPS, netbanking, billdesk, mobile wallets, Visa transfer, or auto debit. Credit card billdesk would be the easiest way for a first-time payment.

  • ✔️How can I make a Credit Card Payment Offline via SMS?

    Some banks have a credit card payment via SMS feature for customers who hold savings or current accounts with them. You just have to send your savings/current account details, and the money will be transferred.

  • ✔️How can I know the Credit Card Bill?

    You can check it in the credit card statement you receive every month via email.

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