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Credit Card issuers in 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 now days 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.

Every bank offers credit cards with attractive offers. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. Credit 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 for various products of your choice.

Every bank 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.

Credit card payment – Online

With the world going digital many people making credit card bill payment online paying The Banks have understood this trend and setup multiple ways that a person can pay credit card bill online.

Credit Card Bill Payment Through Net Banking:

To utilize the Net Banking facility, the banks’ 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 bank credit cards to Net Banking account, after logging into their Net Banking account. The ATM pin needs to be used to link the Bank credit card to the Net Banking account.

Customers can access or view their bank credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months.

All the Net Banking accounts 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 a specific amount will be charged as fee.

To make credit card bill payment online 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 credit card bill using bank savings account.

Credit Card Bill - Mobile Banking Application:

The credit card users can also use the bank’s Mobile Banking application to make outstanding bill payments. Customers need to download the app on their mobiles and after installation use their customer ID to log into the app. It has all the features that are present in the Net banking portal. To pay of the credit card dues the user needs to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection a user can pay or transact for anything from anywhere accessing their savings account using the Mobile app.

ATM Funds Transfer:

With large network of ATMs available across the country, the credit cardholders can pay credit card bills through any one of these ATMs. This service is 24/7 made available to bank’s customers. The outstanding amount available on your credit card can be transferred from a savings account or a current account to the customer’s credit card account.


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 credit card holder, you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on your Bank accounts.

The total monthly outstanding amount or the minimum amount due on the credit card can be repaid using the Autopay facility. The bank’s savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.

Credit card payment Online from Another Account

You do not necessarily open a bank account to have the respective bank’s credit card, you can also pay your credit card bill using your current bank account. There are several ways that a person with a credit card can pay his/her credit card bills through online transactions using other bank accounts. This convenient way of paying your credit card bill through other banks.

There are plenty of online modes of credit card bill payment to clear your credit card dues using other bank account. Some of them are mentioned here.

National Electronic Funds Transfer (NEFT)

You can pay your 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.

Real Time Gross Settlement (RTGS)

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 hold other bank accounts. All you need to have is your net banking activated on your other 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.

Through the Bank’s Website

You can use the Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If they have given their email id, they will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can see the list in the bank’s website.

Through Other Bank’s Website

In case you don’t have a bank account of the credit card your hold, 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 bank account.

Visa Money Transfer

You can make the payment for your credit card through Visa Money Transfer Facility

  • Login to your net banking account and under ‘Fund Transfer’ select ‘Visa Payment’.
  • Contact your debit card issuing bank to know more about Visa Money Transfer.
Credit card payment – Offline payment mode

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 every bank provides multiple ways by which any individual can pay their credit card dues.

ECS Payment System
  • Fill in the ECS mandate form
  • Submit the form to the bank covering the details of the amount to be debited
  • Obtain the ECS authorized form signed by the bank official

Cash payment

You can pay your credit card bills by paying in cash at any one of the branches nearest to you in your city. A processing fee per payment will be charged by the bank when you pay your credit card bill.

Cheque payment

If you prefer to pay 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 the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.

Credit Card Bill Payment FAQ

1. If a customer cannot find the required bank in the given list, what should be the next step of action?

If the credit card customer cannot find the required bank in the list, then payments can be made through the NEFT process.

2. What should a customer do in case he has entered the wrong credit card number while making payments?

Generally, customers should enter the credit card number twice for security reasons. In case the wrong number has been entered, then the customer is required to call the customer care for further support.

3. When a customer makes a payment towards the credit card bill, how long will it take for the money to be credited?

The payment done by a customer will be credited to the bank’s credit card account in two to three working days.

4. How can make offline payment towards my Credit Card Bill?

You can make the payment in cash at your nearest branch.

5. How will I get confirmation after making the payment?

You will receive an SMS alert and e-mail statement after making the payment.

Credit Card Bill Payment - Customer Reviews

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