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Credit Card Bill Payment Options for banks across India
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. People nowadays have understood how credit cards can be used to move credit and thus many have multiple cards from various banks to avail the benefits provided by each card issuer.
American Express bank offers some of the best credit cards in the industry. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. American Express cards have varying rewards and benefits for each card while some cards give amazing amount of cashback for various transactions while some cards give reward points which can be used later to redeem to get a great offer from American Express.
American Express also provides many modes to maintain and payment option of your credit card which the customer can choose according to their convenience.
The two main options are classified as online and offline mode of payment which are further classified into multiple features that a customer can use to pay off their credit card dues.
With the world going digital many people prefer paying their bills through online mediums. American Express has also understood this trend and setup multiple ways that a person can pay their credit card bills.
To utilize the American Express Net Banking facility, American Express bank’s savings and current account holders must register for this service. Only after registration, online payments can be done by customers. Customers can also link their American Express Bank credit cards to Net Banking account, after logging into their American Express Net Banking account. The ATM pin needs to be used to link the American Express Bank credit card to the Net Banking account.
Customers can access or view their American Express bank credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months. All the Net Banking account will detail the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. In case of loss or theft of credit cards customers can use the Hot listing facility available under the Net Banking facility to block you card and request for card replacements for which American Express will charge a fee of Rs. 100.
To pay your credit card dues log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your American Express bank savings account.
Autopay:If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a American Express bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their American Express Bank accounts.The total monthly outstanding amount or the minimum amount due on the American Express Bank credit card can be repaid using the Autopay facility. The American Express Bank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.
If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a American Express bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their American Express Bank accounts.
The total monthly outstanding amount or the minimum amount due on the American Express Bank credit card can be repaid using the Autopay facility. The American Express Bank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.
You do not necessarily open an American Express Bank account to have an American Express credit card, you can also pay your credit card bill using a non-American Express Bank account. There are several ways that a person with a American Express credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your American Express Bank credit card bill through other banks works for American Express as well as other banks.
There are plenty of online modes of American Express Bank credit card bill payment to clear your credit card dues using a non-American Express bank account. Some of them are mentioned here.
You can pay your American Express Bank credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day. To pay your bills use the IFSC code, to make NEFT payments towards your American Express Bank credit cards.
For people who like to use their credit cards for large transactions, you can pay your credit card bills in one go using the RGTS mode even if they do not hold an American Express Bank account. All you need to have is your net banking activated on your non-American Express Bank account to carry out an RTGS transaction. Through RGTS, you can make payments for Rs. 2 lakhs and more. Any RTGS transactions are executed individually unlike NEFT which are processed in batches.
In case you don’t have a American Express bank account you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your American Express bank account.
There are many people who still consider paying their bills the traditional way. This could be due to two reasons – either they are not comfortable with the online methods or they don’t have access to the online payment modes. Either way they prefer to pay their bills offline. For such people American Express provides multiple ways by which any individual can pay their credit card dues.
You can pay your credit card bills by paying in cash at any one of the American Express bank branches nearest to you in your city. A processing fees of Rs. 100 per payment will be charged by the bank when you pay your credit card bill.
If you prefer to pay you’re your credit card bills using cheques then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at American Express bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
The details that have to be entered are - American Express card number, payment amount and the bank account.
No, cash payments are not permitted at drop box locations by American Express.
The cities where the Electronic Clearing Service is available are New Delhi, Bangalore, Mumbai, Kolkata and Chennai.
Yes, American Express credit card bills can be paid from anywhere in the world using online banking.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.