Want to maintain a good credit score? Pay your credit card dues and EMIs on time for an all-time high credit score. Bank of Baroda has provided various simple methods for BOB Credit Card Bill Payment. Read on for information about the various online and offline modes of Credit Card Bill Payment.
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BOB Credit Card provides an array of credit cards that aid your monthly purchases and other payments. The transactions on the card will, in return, give you a host of benefits in the form of discounts, reward points and freebies. Paying the credit card bill to keep a healthy relationship with the bank is your responsibility. The bank has, for your convenience, provided various modes of offline and online payments. Utilise the various BOB Credit Card Bill Payment facilities to make prompt payments and keep your credit score intact.
BOB Credit Card Bill Payment is now hassle-free with the various online modes available for payment.
The steps for BOB Credit Card Bill Payment through the bill desk are given below:
This is the fastest mode of BOB Credit Card Bill Payment and can be done in a few steps.
Follow the steps given below for the BOB Credit Card Bill Payment through Self-Service Portal.
BOB credit cardholders who do not have an account with the bank can adopt this method for a BOB Credit Card Bill Payment. To begin with, you will have to register the credit card under the beneficiary list. Follow the procedure given below for registration and then proceed with payment.
To make the credit card payment after registration, follow the steps given below:
Auto debit is a facility where the savings bank/current account of the cardholder gets automatically debited either for the minimum amount due or the total amount due as specified on the due date. The credit card holders having an account with Bank of Baroda can give a request for the auto-debit of the credit card liability on the due date. Ensure a sufficient balance in the account on the due date to avoid auto-debit dishonour. You will have to pay a late payment fee for every missed-out auto-debit. An auto-debit will also have a negative impact on your credit score.
BOB Credit Card Bill Payment through RazorPay simplifies the whole process. Customers can choose to pay through UPI (Unified Payment Interface), Debit Card or Internet Banking. RazorPay will have the credit card bill details. If you decide to make payment through RazorPay in the future, a RazorPay personalised link will be shared every month via SMS or registered email ID.
You can make BOB Credit Card Bill Payment from any UPI app
There are offline payment modes also for a BOB Credit Card Bill Payment.
You can go to the nearest Bank of Baroda branch and pay the credit card bill in cash by filling up a challan. You will have to mention the name as printed on the credit card and the 16 digit credit card number, and the amount to be paid. You will get an acknowledgement for the cash deposit. Preserve the same for future reference.
You can draw a cheque in favour of Bank of Baroda, mentioning the 16 digit credit card number. You should write your name and mobile number on the reverse of the cheque. After completing the cheque, drop it at any branch of Bank of Baroda
The processing time taken varies with the mode of payment chosen for BOB Credit Card Bill Payment.
|Self-Service Portal||Upto 2 working days|
|Bill Desk||2 to 3 working days|
|NEFT/RTGS||Within 3 working days|
|Insta Pay||Upto 2 working days|
|Auto -debit||On the due date|
Bank of Baroda cheque-Upto 2 working days
Other bank cheque-Up to 5 working days
Debit-Within 3 working days
Net Banking-within 3 working days
Depending on the mode of payment chosen, you will have to decide on the payment date. If it is taking 3 to 5 days for clearance, you should make the payment 3 to 5 working days before the due date to avoid late payment.
Yes, You can make the BOB Credit Card Bill Payment through NEFT/RTGS or Bill desk if you do not have an account with Bank of Baroda. Ensure to make the payment much in advance as the processing time will be 3 to 5 days if you choose these modes for payment.
Not to worry. The excess amount will be adjusted to your next credit card statement. You can also call the BOB Customer Care and inform them about the excess paid along with valid proof and request a refund. The needful will be done within a few days.
If you have made the payment through cash, then you have a valid reason to be anxious as the credit card account will be credited with the amount in real-time. But if you have chosen any other mode like net banking, Self-Service portal, InstaPay, RazorPay or dropped a cheque, the processing time will be between 2 to 5 working days. In that case, the credit card account will be updated only after 2 to 5 working days and will result in a late payment. So you should be specific about the mode of payment chosen while reporting the delay to BOB Credit Card Customer Care.
No. The bank does not charge any fee for offline payment of a credit card bill. But if you make the payment through cash, then a cash handling charge will be charged.
No. The add-on card transactions will also be included in the primary card statement but will be shown separately for better clarity.
It is mandatory to pay either the minimum amount due or the total amount due on the due date to avoid a late payment penalty. If an amount lesser than the minimum amount due is paid, it will be considered a late payment only.