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Paying electricity bills has become more convenient than ever with the rise of digital payment options. Whether through a website or mobile app, consumers can now clear their monthly dues in just a few clicks—no queues, no paperwork. Using a credit card for electricity bill payments offers added benefits like reward points and flexible repayment.
For residents of Punjab, the Punjab State Power Corporation Limited (PSPCL) offers a mobile-friendly, feature-rich online portal for quick electricity bill management. It enables secure online credit card payments through its official portal and mobile app where consumers can view current bills, payment history and settle dues securely and instantly.
PSPCL electricity bill payment online can be quick and secure with a credit card. You can explore more than one way to pay your bill – through PSPCL’s official payment gateway or via Bharat Bill Pay. Check the detailed steps below.
Go to PSPCL’s official portal at https://pspcl.in/ and follow these steps given below:
1. Go to the Bill Payment Portal: From the ‘PAY BILL’ tab on the top, select ‘Through PSPCL Website’ and click on the ‘Pay Your Bill’ option.
2. Enter Your Account Number: Go to the ‘BILL PAY’ screen and enter the 10-digit PSPCL account number from your latest electricity bill and click Submit.
3. Review Bill Details: Once submitted, your current bill amount along with due date will appear on screen. Verify the payable amount.
4. Select ‘Pay Bill’: Click the ‘PAY BILL’ button beneath the bill details to proceed to payment options.
5. Choose Payment Option: From the list of payment gateways, select the ‘Credit Card’ option for Punjab state electricity bill online payment.
6. Provide Card Information: Enter your credit card number, expiry date, CVV and billing address exactly as registered with your bank.
7. Confirm Payment Amount: Review the amount and any applicable gateway charges, then click on ‘Proceed’.
8. Authenticate Transaction: Enter the OTP received on your registered mobile number for secure verification sent and confirm the payment.
9. Download Receipt: After successful payment, download or screenshot the transaction receipt for your records and future reference.
Note: You can also download the PSPCL app for mobile (available via pspcl.in) for added convenience on the go. It offers an identical flow for credit-card payments.
You can also pay your punjab state electricity bill online via the interoperable Bharat Bill Pay System (BBPS) in just a few steps:
1. Access the BBPS Option: Visit https://pspcl.in/, go to the ‘PAY BILL’ section and click on Pay your bill through Bharat Bill Pay (BBPS).
2. Redirect to BBPS Portal: You’ll be taken to the BBPS interface, powered by NPCI’s Bharat Connect platform.
3. Select Service Category and Biller: Under ‘Category’, choose ‘Electricity’, then select ‘Punjab State Power Corporation Limited’ from the list.
4. Enter Consumer Details: Input your 10-digit PSPCL consumer/account number and registered mobile number, then click on ‘Proceed’.
5. Verify Bill information: Confirm your bill amount, due date, and consumer details displayed on screen.
6. Choose Credit Card Payment: From the payment methods, select ‘Credit Card’.
7. Provide Card Information: Enter your credit card number, expiry date, CVV, and name as printed on the card.
8. Authenticate Transaction: Complete the OTP or 3D Secure verification sent by your bank to authorise the payment.
9. Download Receipt: After successful payment, download or screenshot the receipt (look for the “Be-Assured” logo) for your records.
Paying your Punjab State Power Corporation Limited (PSPCL) electricity bill with a credit card offers several advantages. Here are the key benefits:
Earn Rewards and Cashback
Many credit cards provide reward points or cashback on utility bill payments.
For instance, some cards offer up to 5% cashback on such transactions, turning routine bill payments into opportunities for savings.
Read More
Interest-Free Credit Period
Credit cards typically offer an interest-free period ranging from 45 to 60 days.
This allows you to pay your electricity bill immediately while deferring the actual payment, aiding in better cash flow management.
Read More
Automated Payments
Setting up auto-pay for your PSPCL bill via your credit card ensures timely payments, eliminating the risk of late fees and service disruptions. This feature adds convenience and peace of mind.
Expense Tracking
Using a credit card for bill payments consolidates your expenses into a single statement, simplifying budgeting and financial tracking.
This can help in identifying spending patterns and managing finances more effectively.
Read More
Flexible Repayment Options
Some credit cards allow you to convert large utility bill payments into Equated Monthly Instalments (EMIs), making it easier to manage substantial expenses without straining your monthly budget.
Read More
Improved Credit Score
Regular and timely bill payments through your credit card contribute positively to your credit history, potentially enhancing your credit score over time.
Enhanced Security
Credit cards offer robust fraud protection measures, including OTP verification and zero-liability policies for unauthorized transactions, ensuring secure bill payments.
Punjab State Power Corporation Limited (PSPCL) is the government-owned utility responsible for electricity generation and distribution across Punjab. Established in 2010 following the unbundling of the Punjab State Electricity Board, PSPCL manages the state's power infrastructure, including thermal and hydel power stations, to ensure reliable electricity supply to millions of consumers. The corporation operates from its headquarters in Patiala and is committed to providing efficient and uninterrupted power services.
PSPCL has embraced digital advancements to enhance customer convenience. Through its official website and mobile application, consumers can access services such as online bill payments, viewing payment history, and managing account details. The integration of platforms like Bharat Bill Pay System (BBPS) further simplifies the bill payment process, allowing users to settle their electricity dues securely and efficiently.
Yes, PSPCL accepts credit card payments through its official bill payment portal and mobile app. You can also use the Bharat Bill Pay System (BBPS) for secure and convenient credit card transactions.
A nominal convenience fee is applicable for credit card payments. The exact charges may vary depending on the payment gateway used. It's advisable to review the fee details on the payment page before proceeding.
Yes, PSPCL's online payment platforms are secured with encryption protocols. Additionally, credit card payments often require OTP verification, adding an extra layer of security to your transactions.
You can view your bill by visiting the PSPCL bill payment portal and entering your account number. Alternatively, the PSPCL mobile app provides access to your bill details and payment history.
Yes, PSPCL allows consumers to make partial or advance payments through its online portal. This feature helps in managing your electricity expenses more flexibly.
If you face any problems while making an online payment, you can contact PSPCL's customer care by dialling 1912 or emailing at 1912@pspcl.in. Additionally, you can reach out through the official consumer grievance section at grms.pspcl.in for assistance.
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Posted on 16 May
Roshani Ballal
Academy by Bajaj Markets
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