How To Pay Your Credit Card Bills Online

How To Pay Your Credit Card Bills Online


Modern life has made credit cards an integral part. Credit cards can be used to purchase goods and services from both online and offline merchants. You are responsible for paying the bill on the due date. The bill will reflect all payments made during the previous billing cycle. Late fees and heavy interest charges can result if credit card bills are not paid on time. It is important to pay all credit card bills on time. Banks can receive payments in a variety of ways to facilitate credit card bill payments. We will now discuss these payment options.

How to pay your credit card bills online


Banking has been simplified by the internet. It makes it easy to order online and make the necessary payments online. This has made it much easier to pay your credit card bills online. These payment options include:

Online Banking/Internet Banking/Net banking


Online banking makes it easy and quick to pay your credit card bills. This is also called internet banking or net banking. It allows you to pay your credit card bill online via a transfer to your account.

Log in to the net banking portal of your card issuer using your customer ID (or Password)

Select internet banking to pay your bill

You will be redirected directly to the internet banking site of the bank through whom you wish to make payment

You have the option to either pay the minimum amount or the entire amount. Or you can choose to split the difference.

In 3-5 business days, the payment will be processed



NEFT, or National Electronic Fund Transfer, allows for one-to-one transfers of funds throughout the country. Using the NEFT facility, credit card bills can be paid. This scheme allows funds to be transferred electronically from any Indian bank branch to any account at any other branch.

To make this payment, log in to the online banking portal for the bank you want to pay.

Add the beneficiary to NEFT and select NEFT as the mode of payment. The credit card number should be used as the payee’s account number. Your credit card issuer will provide the IFSC.

To find the IFSC, you can call the bank’s customer service department. Complete all fields and pay the bill

NEFT payments made during work hours are credited the same day. Payments made after hours are credited the next business day.


UPI is one way to pay your credit card bills. Each user is assigned a unique Virtual Payment Address (VPA) that acts as a username for sending or receiving money. To send the money, you will need to enter the VPA at the time of payment. This facility is offered by most card issuers. You can pay your credit card bills simply by entering the VPA. You can also use apps such as Cred, Google Pay, and PhonePe to pay your bills via UPI.

Bill Desk

Online payment companies have been linked up with banks to make it easy to pay your credit card bill. This allows you to pay your credit card bill securely and conveniently from any bank account. After you have selected your bank, entered the card details, and paid the amount, you will be automatically redirected to the bank’s payment interface. This is where the transaction is authenticated before the final payment. An OTP will be sent to your email ID or registered mobile number.

Mobile Banking

Mobile-friendly websites have been developed by banks. You can access your bank account via any mobile device that has an internet connection. Mobile banking websites are easy to use and allow you to pay your credit card bills conveniently. You can also make the payment online by signing into the website and authorizing it.

Mobile Application

Mobile banking has been made easier by banks through the introduction of mobile apps. You can also use the same mobile app to pay your credit card bills. To pay the amount, you simply need to download the mobile app and log in using your unique customer ID. You can pay from anywhere at any hour of the day. All major mobile operating system platforms – Android, iOS, and Windows – have apps that allow you to make payments from your bank’s mobile app.

Standing Instructions/Auto Debit

Standing instructions can be placed on your savings/current account to debit the credit card payment amount. You have the option to either pay your credit card bill completely or only the minimum amount each month. As long as your bank account has enough funds, this payment method ensures that you don’t default on credit card bills or pay any late fees. This also takes away the responsibility of keeping track of every credit card bill. The credit card account is automatically paid.

Visa Money Transfer

This innovative service, also known as Visa Credit Card Payment (or Visa Credit Card Payment), allows customers to transfer funds from their bank accounts to any Visa credit card in India. This allows you to wire money in 3 business days to pay your credit card bill. The initiating bank charges a nominal fee for Visa Money Transfer. Each Visa Credit Card Payment transaction has a limit of Rs 49,999.


ECS, or Electronic Clearance Service, is another method to pay your credit card bill. It works in the same way as auto debit. It allows you to give standing instructions/authorization to debit a non-credit card issuer bank account every month to pay the credit card bill. Electronic Clearance Service allows you to choose whether to pay the minimum, total, or a fixed amount.

Debit card

To pay off credit card debts, you can also use debit cards. Only a few credit cards offer this option. If you plan to pay your credit card bills using your debit card, it is best to check with your bank before doing so.

Telephone Banking

You can use this option to pay your credit card bills. To do so, call the bank’s phone banking line and ask for a fund transfer. For authentication purposes, the IVR and telephone banking officer will need personal information. The phone banking hotline can usually be reached 24 hours a day, every day.

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