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A quick way to clear your credit card bill is paying it with a debit card. Using this method, you can pay the bill directly from the bank account linked with your debit card. This allows you to clear your bill on time and avoid paying penalties.

How to Pay Your Bill Using Your Debit Card

You can make credit card bill payments both offline and online using a debit card. 

Online Methods

Using a debit card to clear bills online is convenient and fast. There are seven ways you can use it digitally. 

  • Online Portal

  1. Log in to your credit card issuer’s online portal 

  2. Navigate to the credit card section and select the bill payment option

  3. Choose the debit card as a payment mode

  4. Enter the required debit card details, such as the CVV, card number and expiration date

  5. Enter the bill amount and confirm the payment

  • Mobile Banking App

  1. Install the credit card issuer’s mobile app and log in

  2. Go to the credit card section and choose the bill payment option

  3. Opt for debit card as the payment mode

  4. Provide the required debit card details 

  5. Enter the bill amount and make the payment

  • Third-party Payment Platforms

  1. Install the app or visit the website of the third-party payment platform

  2. Choose the credit card bill payment option and enter your credit card details

  3. Opt for the debit card as a payment option and add the debit card details

  4. Enter the bill amount and confirm the payment

  • Auto-debit Facility

  1. Download the National Automated Clearing House (NACH) form

  2. When filling out the form, choose the debit card as the payment method

  3. Provide your credit card details and a cancelled cheque of the account linked to your debit card

  4. The payment will be deduced automatically on the chosen date

  • Mobile Wallets

  1. Install an app that allows credit card payments through a mobile wallet

  2. Select the credit card bill payment option and enter your card details

  3. Choose debit card as a payment option and enter the card details

  4. Type in the bill amount and confirm the payment

  • Phone Banking

  1. Contact your credit card issuer’s customer service team through phone banking

  2. Get clarity on the steps for initiating the bill payment through a debit card

  3. Follow the steps and complete the payment using your debit card

Offline Methods

If you want to pay your credit card bill offline, there are a number of ways to do so with your debit card. 

  • Visit the Branch

  1. Go to the nearest branch of the credit card provider

  2. Talk to a representative regarding bill payment using a debit card

  3. Follow the required steps and make the payment

  • ATM Payments

  1. Go to the nearest ATM 

  2. Insert or swipe your debit card into the ATM

  3. Choose the credit card bill payment option

  4. Enter the bill amount and follow the steps to pay the bill

 

Disclaimer: The availability of these methods may vary based on the policies of the specific credit card issuer and region.

Benefits of Paying Credit Card Bills Through Debit Cards

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

Immediate Settlement

You can quickly settle credit card bills with debit cards to avoid late payment fees

Convenience

This method offers a simple way to settle credit card dues

Online Accessibility

You can make payments through online banking platforms at any time from anywhere

Real-time Tracking

It allows you to track payments conveniently, facilitating better financial management

Avoidance of Interest Charges

Timely bill payments via debit cards help avoid interest charges on outstanding balances

Enhanced Security

Debit card payments often involve secure authentication methods for added security

No Additional Accounts Required

This method doesn't require the creation of additional accounts or services for payment

Integration with Banking Services

It aligns with banking services, making it easier if you already use a debit card from the same bank

Frequently Asked Questions

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

Yes, you can pay your credit card bill with a debit card through various online and offline modes. Always check with your issuer to know the acceptable payment options.

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 issuers only allow you to use their respective debit cards to pay credit card bills. Other card issuers allow you to pay the bill using debit cards from other banks. Check these details beforehand.

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. Online methods include paying through the card issuer’s portal or app. You can also use third-party payment apps. In addition, you can pay the bill offline by visiting the issuer’s branch or using an ATM.

Are there any fees for using a debit card to pay my credit card bill?

You can reach out to your credit card issuer to check for any applicable charges. Certain issuers may charge a nominal fee.

How long does it take for a credit card payment via debit card to reflect?

Payments are typically processed instantly, reflecting on the credit card account immediately.

Can I use any debit card to pay my credit card bill?

Yes, as long as the debit card is linked to the same bank where you hold the credit card. But some credit card issuers may have policies that impose some restrictions.

Is there a maximum limit for credit card payments via debit card?

Some banks may impose daily or transaction limits. Check with your issuer for specific details.

What happens if my debit card payment for the credit card bill fails?

If your transaction fails, you should verify the card details. Ensure there are sufficient funds in the account, or contact the bank for assistance.

Can I set up automatic debit card payments for my credit card bills?

To set up automatic credit card payments, download the NACH form. Choose the debit card as the payment method. Then, fill in your card details and provide a cancelled cheque leaf. The payment will be deducted automatically at a chosen date.

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