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How to Pay Oriental Bank Of Commerce Credit Card Payment Online & Offline

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 nowdays 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.

OBC 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. OBC 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 OBC.

OBC 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.

Oriental Bank of Commerce (OBC) credit card payment – Online mode

Oriental Bank Of Commerce Credit Card  Payment

With the world going digital many people prefer paying their bills through online mediums. OBC has also understood this trend and setup multiple ways that a person can pay their credit card bills.

Oriental Bank of Commerce (OBC) Net Banking:

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

Customers can access or view their OBC 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. 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 OBC savings account.

Oriental Bank of Commerce (OBC) Mobile Banking Application:

OBC credit card users can also use the OBC 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.


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 an OBC customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their OBC accounts.

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

Oriental Bank of Commerce (OBC) credit card payment – Online mode for non-OBC Account

You do not necessarily open an OBC account to have an OBC credit card, you can also pay your credit card bill using a non-OBC account. There are several ways that a person with an OBC credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your OBC credit card bill through other banks works for OBC as well as other banks.

There are plenty of online modes of OBC credit card bill payment to clear your credit card dues using a non-OBC account. Some of them are mentioned here.

National Electronic Funds Transfer (NEFT)

You can pay your OBC 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 do not hold an OBC account. All you need to have is your net banking activated on your non-OBC 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.

Visa Fund Transfer

OBC credit card holders can make the payment through Visa Fund Transfer. To do this you need to login to your net banking account and select ‘Third Party Transfer’. You will find ‘Visa Credit Card Pay’, click on it and enter details of the sender and receiver. After doing that select confirm and complete the process.

Oriental Bank of Commerce (OBC) Website

Non-OBC account holders can use the Bill Desk web page which is set up for OBC credit card holders. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the OBC’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 OBC website.

Your Non-OBC’s Website

In case you don’t have a OBC 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 OBC account.

Oriental Bank of Commerce (OBC) 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, OBC provides multiple ways by which any individual can pay their credit card dues.

Cash payment

You can pay your credit card bills by paying in cash at any one of the OBC or SBI branches nearest to you in your city.

Cheque Or Demand Draft 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 OBC ATMs where there are drop boxes for this purpose.

Easy Bill Outlets

OBC- SBI card holder can visit the nearest ‘Easy Bill Outlet’ and make the payment by giving your credit card number, contact details and the amount needs to be paid. Get a receipt after paying the bill amount.

Oriental Bank Of Commerce Credit Card Payment FAQ

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

The payment done by a customer will be credited to the OBC credit card account in two working days.

2. Can I make my credit card bill payment through the mobile?

To make mobile banking payment, you need to download the app and make the payment in the credit card section.

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

In case the wrong number has been entered, then the customer is required to call the customer care for further support.

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

You can make the payment in cash at your nearest OBC or SBI Branch.

5. What are the banks included under the Non-OBC Net Banking facility?

Axis Bank, BOI, CITI Bank, IndusInd, Kotak, SBI, RBL, PNB, YES Bank

6. How many days will it take to be processed if I make the payment through Easy Billing Outlets?

The payment you made will take three working days to be reflected in your account.

Oriental Bank Of Commerce Credit Card Bill Payment - Customer Reviews

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