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How to Make Credit Card Payment? Research Team | Posted On Tuesday, October 01,2019, 04:15 PM

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How to Make Credit Card Payment?



Now you need not worry about your due dates for Credit Card bill payment as you can pay your credit card bills from anywhere and anytime using various online and offline bill payment methods.  

How to Make Credit Card Payment?

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Internet banking has revolutionised the way we pay bills and simplified banking for us. Now you can pay your credit card bills securely and instantly through digital channels. All major banks in India have their own dedicated websites to help customers make online payments. Banks also have tie-ups with a third-party bill payment system to enabling transaction anytime anywhere.

Here’s a list of some of the efficient online payment channels provided by the banks in India to help you clear your credit card dues:

  • Through net banking
  • Auto debit facility
  • E-Wallets/ third party apps
  • Payment through ATM
  • Over-the-counter payment
  • By drawing a demand draft or cheque.

Pay Through Mobile Banking Apps:

Mobile banking apps have simplified the way banking was conducted. Have you ever thought of making a purchase or paying your bills using your phone? With the advent of the mobile banking apps, you don’t have to go around finding a bank branch to settle make your credit card payments. Simply logging in to your mobile banking app does the trick.

Mobile banking is one of the easiest ways to settle your credit card bill payments. To pay your credit card bills log in to your mobile banking app. You can easily download the app from Google Playstore and use the app after registering into your net banking account.

See Also: Bill Pay From Credit Card

NEFT/RTGS Online Transfer:

Payment system like NEFT and RTGS has led to the empowerment of people in rural and urban areas by enabling easy and faster transactions. Now you can make payments via NEFT or RTGS through their net banking accounts and settle your credit card dues.

NEFT allows you to pay your credit card bills by transferring funds from your savings account to your credit card account online. However, you must first add your credit card a ‘biller of beneficiary’ in your net banking account before initiating a NEFT payment.

Similarly, if you are paying your credit card bills using the RTGS facility you need to add your credit card account as a beneficiary in your net banking account. Once the account is added, you can initiate payment by entering the details and the amount. Submit the details and your bills will be settled instantly.

Auto Debit:

To avoid missing payments on your credit card due date, you can auto-debit your savings account. Once the auto-debit facility is enabled you can rest assured that your due will be paid on time even if you forget your due date.

The auto-debit facility is a type of instruction to your savings account to debit money to your credit card account. The payments are made at the end of your billing cycle each month.

You can register your savings account into this facility by sending an e-mail request to your bank. Once registered, the facility will become effective immediately.

See Also: How To Transfer Money From Credit Card To Bank Account?

Pay via Third-Party Apps:

Mobile wallets have put payments in the hands of the customers and have made online payments easier than ever before. You can also access the option to pay your credit card bills on these platforms. To use these apps you need to download the app and link your debit card or savings account, enter the card details and make payments.

Some of the top e-wallets platforms in India are PayTm, Mobikwik, and BHIM/UPI that provides the facility of credit card bill payment.

Visit the Bank Branch Office Directly:

If your credit card issuer has a bank branch near your home then you can simply walk up to the bank branch and settle the payments. Fill in the deposit slip with the required details and submit it at the counter along with the cash payment.

Pay credit Card Bill through ATM:

You can also use your debit card and pay your credit card bills through an ATM. Visit the nearest ATM kiosk of the credit card issuer and make payment by selecting the credit card bill payment option.

Mail Cheque/Draft to Nearest Branch:

If you prefer offline payments, then payment through cheque or demand draft is another convenient option for you. You can draw a demand draft or a cheque in favour of your credit card account and drop it at the ATM drop box or the bank branch of the credit card issuer.

See Also: How To Apply For A Credit Card Online?

Benefits of Making a Credit Card Payment Online:

Saves Time and Effort: Online credit card bill payment saves you from the hassle of physically visiting your bank branch. Now you can make instant payments online from your workplace or home.

Convenience and Comfort: With the click of a mouse you can now settle your credit card dues. Log in to your net banking account and make payments from your phone or laptop from anywhere in the world

Secure Payments: Net banking is a secured payment gateway to conduct transactions. Banks provide safety features like secure access to provide an extra layer of security to the net banking process. Thus, it reduces the risk of losing money as well as keeps your identity secured.

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