6 Instant Ways to Pay Your Credit Card Bill On Time

• There are several credit card bill payment options to make convenient and timely bill payments.
• You can initiate your credit card bill payment through a designated credit card portal, NEFT or IMPS, internet banking, and UPI.
• Initiate your bill payment a few days in advance to avoid delays due to technical glitches.

Credit cards offer not just the convenience of executing transactions but also reward points and discounts that help save on expenses. You can continue enjoying these and many other benefits, provided you pay your credit card bills on time. Timely repayments also contribute to building a strong credit history. Also Read: Check CIBIL Score For Personal Loan in 3 Easy Steps There are several options that facilitate hassle-free and timely credit card bill payment. This blog explores these in detail to help you choose the most suitable method.

These days, you can easily initiate credit card bill payment through online platforms, making the process simple and quick. You can pay using any method from anywhere at your convenience.
It is advisable to initiate the payment a few days before the due date to avoid delays due to technical glitches.Let’s delve into each of these methods.

Your credit card issuer may have a dedicated online portal. Here are the steps you can follow:

• Step 1: Visit the designated online portal of your credit card issuer.
• Step 2 : Log in to your account.
• Step 3: Initiate your credit card bill payment.
• Step 4 : The system will redirect you to a payment gateway.
• Step 5 : Choose the payment mode, like debit card or net banking.
• Step 6 : Once the payment is done, the system will redirect you back to the online portal.
• Step 7: The payment will be reflected in your account quickly.

You can explore paying your credit card bill through NEFT (National Electronic Funds Transfer) or IMPS (Immediate Payment Service). Here are the steps:

• Step 1: Log in to your internet banking account.
• Step 2: Navigate to the ‘Funds Transfer’ option.
• Step 3: Register your credit card as an account payee beneficiary*.
• Step 4: You can initiate the payment once the beneficiary is added.

*Note : You can add your credit card as a beneficiary by mentioning your credit card number in the ‘Account Number’ field and the IFSC code in the designated space provided.For example, if you are paying your ICICI credit card bill, then mention the requisite ICICI credit card IFSC code.

If you have a credit card from a bank in which you have your account, you may find your bank’s internet banking portal helpful. The standard procedure usually comprises the following steps:

• Step 1: Log in to your internet banking account using your credentials.
• Step 2: Go to the ‘Credit Card’ section and select the relevant credit card.
• Step 3: Once you complete the payment process, the amount gets debited from your bank account.
• Step 4: The amount gets credited to your credit card promptly.

Another convenient way to pay credit card bills is via UPI (Unified Payments Interface). A UPI-enabled digital wallet and the UPI ID for your credit card are the prerequisites here. Let’s look at the steps that are typically followed:

• Step 1: Open the UPI-enabled digital wallet on your smartphone.
• Step 2: Enter the UPI ID for your credit card.
• Step 3: Once you enter the relevant details, initiate the credit card bill payment.

You can experience easy and convenient credit card bill payments through BillDesk. Here are the steps normally followed:

• Step 1: Go to the BillDesk website and navigate to the section dedicated to credit card payment.
• Step 2: Next, select your card issuer and enter your credit card number and the amount to be paid.
• Step 3: Choose the payment mode through which you want to clear your credit card dues.

Looking for a modern and smart way to pay your credit card bill? You must explore mobile wallets and payment systems.There are several modes like the Aditya Birla Capital - ABCD app , MobiKwik, Google Pay, and PhonePe that simplify credit card payments. Here is what you typically need to do:

Apart from paying your utility bills, you can clear your credit card dues using the Aditya Birla Capital Application. Here is how you can start making your payments in simple steps:

• Step 1 : Download the Aditya Birla Capital Application.
• Step 2: Create your UPI ID to enable payments.
• Step 3: Link your bank account to continue making seamless and quick payments.
• Step 4: Look for the option facilitating credit card bill payment and pay off your dues.

Pay Credit Card Bill Using MobiKwik

MobiKwik is another convenient way to pay your credit card bill. Here is what you usually need to do it:

• Step 1 : Download the MobiKwik application.
• Step 2: Go to the ‘Recharge and Bill Pay’ section and go to the ‘Credit Card Payment’ option.
• Step 3: Enter your credit card number and amount.
• Step 4: Proceed with making the payment.

Pay Credit Card Bill Using Google Pay

Another convenient way of paying credit card bills is through Google Pay. The steps that you need to follow are typically as below:

• Step 1 : Open the Google Pay application.
• Step 2: Select ‘Pay Bills’ and ‘Credit Card Bill Payment’.
• Step 3: Next, choose your credit card issuing bank. Make sure to link your account if it is not.
• Step 4: Once your credit card is linked, you can clear your credit card bill.

Pay Credit Card Bill Using PhonePe

You can clear your credit card dues using PhonePe with these steps that are typically followed:

• Step 1 : Go to the PhonePe application.
• Step 2: Navigate to the ‘Credit Card Bill’ option. It will appear under ‘Recharge and Pay Bills’.
• Step 3: Next, mention your credit card number and click ‘Confirm’ to continue.
• Step 4: Allow your credit card to link with your account and complete the credit card bill payment.

Pay Credit Card Bill Using Payment Systems

In the case of payment systems, you can explore the auto-debit facility. This typically involves the following steps:

• Step 1: Log in to your internet banking account.
• Step 2: Set standard instructions to pay the credit card bill from your account.
• Step 3: The auto debit facility normally becomes effective from the immediate credit card due date.

Note: You can activate the auto-debit facility by submitting a written request to your bank.

Paying your credit bill on time prevents interest and other charges and strengthens your credit score. A strong credit score increases your chances of getting a loan on favourable terms, such as lower interest rates.With timely bill payments, you continue to enjoy your credit limits and the ability to purchase now and repay later. You can also experience a host of other benefits like lounge access, fuel surcharge waiver, dining discounts, and more.Does your credit card offer these features too? Get a credit card that meets your financial needs and upgrades your lifestyle preferences.