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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.
Standard Chartered 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. Standard Chartered 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 Standard Chartered.
Standard Chartered 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. Standard Chartered has also understood this trend and setup multiple ways that a person can pay their credit card bills.
To utilize the Standard Chartered Net Banking facility, Standard Chartered 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 Standard Chartered Bank credit cards to Net Banking account, after logging into their Standard Chartered Net Banking account. The ATM pin needs to be used to link the Standard Chartered Bank credit card to the Net Banking account.
Customers can access or view their Standard Chartered 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 Standard Chartered 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 Standard Chartered bank savings account.
Standard Chartered Bank credit card users can also use the Standard Chartered Bank 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.
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 Standard Chartered bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their Standard Chartered Bank accounts.The total monthly outstanding amount or the minimum amount due on the Standard Chartered Bank credit card can be repaid using the Autopay facility. The Standard Chartered 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 Standard Chartered bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their Standard Chartered Bank accounts.
The total monthly outstanding amount or the minimum amount due on the Standard Chartered Bank credit card can be repaid using the Autopay facility. The Standard Chartered 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 Standard Chartered Bank account to have an Standard Chartered credit card, you can also pay your credit card bill using a non-Standard Chartered Bank account. There are several ways that a person with a Standard Chartered credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your Standard Chartered Bank credit card bill through other banks works for Standard Chartered as well as other banks.
There are plenty of online modes of Standard Chartered Bank credit card bill payment to clear your credit card dues using a non-Standard Chartered bank account. Some of them are mentioned here.
You can pay your Standard Chartered 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 Standard Chartered 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 Standard Chartered Bank account. All you need to have is your net banking activated on your non-Standard Chartered 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.
Non-Standard Chartered bank account holders can use the Bill Desk web page which is set up for Standard Chartered 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 Standard Chartered 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 Standard Chartered website.
In case you don’t have a Standard Chartered 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 Standard Chartered bank account.
You can transfer funds from your Standard Chartered Bank account to any VISA credit card in India. The payment takes up to 3 working days.
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 Standard Chartered 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 Standard Chartered 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 Standard Chartered bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
How this works is that for people with multiple Standard Chartered credit cards, Standard Chartered will distribute the payment that are due in a manner that will keep your credit score healthy. Cash payments will never be apportioned. If you don’t want the money to be apportioned choose the option to not apply payment apportionment by registering for “Do Not Apportion
1. What is the standard chartered credit card IFSC code to facilitate NEFT transfer?
The Standard Chartered IFSC code for credit card payments is SCBL0036001. The address of the branch is MG Road, Mumbai.
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. Are there any charges for using VISA Credit Card Payment?
There are no charges levied for paying your credit card bill using VISA Credit Card Payment
4. What is the maximum amount I can pay using VISA Credit Card Payment?
The maximum limit you can transfer per transaction is Rs. 49,999. You can transfer up to Rs. 1 lakh per day. The minimum limit is Rs. 100.
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