Credit Card Bill Payment

There are plenty of options for making credit card bill payments online as well as offline. Most credit card users prefer making their credit card payment online through internet banking today over other means of bill payments as it is fast, easy and convenient. Internet banking facility for credit card bill payment includes mobile banking, electronic bill payments, auto-debit, debit cards, RTGS, NACH, IMPS, NEFT, etc. Each online payment method has its own benefits. Below are the various credit card payment options available for you.


Credit Card Payment

You can pay credit card bill online or offline through any of the options mentioned below:

Online bill payment options:

  • Internet banking
  • IMPS Method
  • NEFT/RTGS online funds transfer
  • BillDesk
  • Mobile wallets and payment systems
  • Auto debit facility

Offline bill payment options:

  • Calling customer care
  • Over-the-counter payment
  • Visiting a bank ATM and using ATM card machines.
  • Drawing a cheque or demand draft

All the options of credit card payment are explained below in detail:

Credit Card Payment Online

The use of internet has simplified the banking system nowadays. Almost every bank provides Internet Banking facility to its customers. Some credit card providers are also taking the help of third-party bill payment services for providing online credit card bill payment channels.

Following are the multiple options using which you can instantly pay your credit card bill online:

Credit Card Bill Payment Using Net Banking

Net banking is one of the simplest online methods of credit card bill payment without any convenience fee. Under this method, if you have a savings account with your credit card provider, the process of credit card bill payment becomes much easier because you just have to register your credit card in your active net banking account to make the payment directly. 

Even if you don't have a savings account with your credit card issuer, you can simply open an internet banking account for your credit card and instantly make payment directly from your account.

Credit Card Bill Payment through NEFT

This method of credit card bill payment offers you an easy and instant way of payment. The NEFT funds transfer is an online facility which enables making your credit card bill payment easily using your net banking account of any bank. 

This payment facility allows you to transfer funds to the credit card account from your savings account online. However, prior to making NEFT funds transfer to your credit card, you have to add your credit card as a 'Biller or Beneficiary’ for which you are making the payment. For that, you will need to add some specific details like credit card number, cardholder’s name, IFSC code, bank name, branch, etc. Adding a new card might take 30 minutes to 24 hours, depending on your bank’s policy. 

Credit Card Bill Payment through IMPS

This method of online credit card payment offers the facility of bill payment through the mobile app of your bank. Follow the steps mentioned below to pay your credit card bill through IMPS:

  • Download your bank’s mobile application on your phone. 
  • Now login to your mobile banking using credentials.
  • Then click the ‘Bank Account’ button. 
  • You will be provided with an IMPS payment option link. Click on the ‘IMPS’ button and then choose the option of ‘Merchant Payment’.
  • Provide the required financial details such as MMID, contact number of the billers, bank account number from which funds are to be transferred, the billing amount, your credit card number, etc.
  • Click the ‘confirm’ button for a successful transaction.

Credit Card Bill Payment through BillDesk

Bill desk credit card payment is an online payment platform that allows you to pay your credit card bills without having any online account. Many credit card providers use the credit card payment online billdesk platform to offer easy bill payment services to their customers who do not use the net banking facility. 

You can pay any bank’s credit card bills through BillDesk using a debit card or net banking account of any partner bank. Every bank’s BillDesk platform is unique and offers different payment options. 

Credit Card Bill Payment through Mobile Wallets & Payment Systems

Mobile wallets and payment systems also offer the facility to pay credit card bills on their platforms. Some popular credit card bill payment apps include Paytm, Mobikwik, BHIM/UPI, and PhonePe. 

You don’t need any separate registration on these platforms to make bill payments. Just download the app on your mobile, link your debit card/ savings account to the app, recharge the wallet, and mention your credit card details to make the payment. Some apps also provide attractive credit card bill payment cashback offers.

Following are the steps to make your credit card bill payment through different mobile wallets/payment systems: 

Google Pay

  • Open the app on your mobile phone and click on the ‘Pay bills’ tab. 
  • Then click on the ‘Credit card bill payment’ option and choose your credit card issuing bank’s name.
  • If you have not linked your account, click on ‘^’ sign against ‘No account linked’ and then click on ‘Link Account’.
  • Now enter your credit card number & add a nickname for the same if you wish to.
  • Click on the ‘Link Account’ option.
  • As soon as your credit card is linked to the Google Pay account, you can easily pay your credit card bill anytime through the app.


  • Open the Paytm app/ website.
  • Click on ‘Credit Card payment’ under the ‘Recharge & Bill Payments’ option.
  • Then click on ‘+ Pay another card’ tab.
  • You will be required to enter your credit card number now. If you wish, you can provide a nickname for it.
  • Then, you can link your credit card to your Paytm account. Once done, you can complete your credit card bill payment.


  • Firstly, open the PhonePe app on your mobile phone.
  • Click on ‘Credit Card Bill’ under ‘Recharge and Pay Bills’.
  • Then enter your credit card number before clicking on the ‘Confirm’ button.
  • As soon as your credit card gets linked to your PhonePe account, you can proceed to complete the payment of your credit card bill.


Credit Card Bill Payment through Auto Debit Facility

If you already have a net banking account with any bank, you can avail of the auto-debit facility and forget about your credit card dues as the auto-debit option allows you to give standing instructions to your bank to debit your credit card bill on the fixed date every month. 

This is one of the best ways to make credit card minimum payment or an entire credit card bill. You can register for this facility either from your net banking account or by sending a request to the bank. On completing registration, the auto debit facility will be active from the upcoming credit card payment due date, and the amount will be credited from your account instantly on the payment due date every month.

Additional Info: Latest update by RBI on Credit Card Bill Payment Due Date.

Credit Card Payment Offline

In case you don't have access to the internet, paying off your credit card dues offline is the only option. You can use any one of the following offline methods to pay your credit card bill.

Credit Card Bill Payment by Calling Customer Care

Some credit card providers let their customers pay their credit card bills by calling their customer care. However, to use this channel, they must have a savings/current account with the issuing institution. If your credit card and bank account are from the same provider, you can call their customer care number to pay your credit card bill. 

Mostly, there will be an IVR that would guide you regarding the credit card settlement process or payment process without any human intervention to ensure data safety. However, not every credit card issuer will provide this facility. Hence, it is advisable to check with your respective credit card provider before making the payment using this facility.

Credit Card Bill Payment through the ATM

Under this method, you can pay credit card bill using debit card. If you have a debit card from your card issuing bank, you can simply walk-in into its nearby ATM to make your credit card bill payment. Just visit any nearest ATM of the credit card issuer, insert your debit card into the ATM machine, select the credit card bill payment option, and follow the instructions to pay credit card dues. Usually, paying bills through ATM is instant.

Credit Card Bill Payment at the Bank Branch Office

If your card issuer is a bank having a physical office, you can just visit the nearest branch to make your credit card bill payment through cash deposit. Just go to the respective bank branch, fill up the deposit slip by mentioning your credit card details, and submit it at the counter. Through this method, the credit card payment will be processed within one working day. This payment method usually involves a convenience charge of up to Rs.100 per payment.

Credit Card Bill Payment through a Cheque/DD

You can also draw a cheque/ demand draft (DD) in favour of your credit card account and give it at any bank branch or drop it at the ATM drop box for offline credit card payment. Don’t forget to mention your name and contact number on the back side of the cheque or draft.

If your card issuer and cheque issuing bank are the same, the cheque may be processed within 3 working days, and if they are different, it might take 5 working days. For outstation cheques, the clearance time can be 12 to 21 working days. To pay your bill on time, make sure you pay your bill in advance through these methods.

Apart from the offline payment options mentioned above, you can also pay credit card bill with another credit card or opt for a credit card to bank transfer. The option of credit card to credit card payment is also known as a balance transfer.

Additional Info: Check Credit Card Balance instantly.

Tips for Credit Card Bill Payment

Following are some useful tips regarding credit card bill payment:

  • Keep track of your credit card statement and check it carefully before making any payments towards your credit card bill. Make sure all charges added to the card are accurate, and check the exact bill amount you are required to pay on the due date.
  • Check the time it will take to process your credit card payment when you are paying your card bills. The processing time is usually one day for payments made through the internet banking facility. Other online methods may take 1 to 5 working days. So, you can use this option to make a card payment on the due date without any credit card late payment charges. 
  • Make sure to provide accurate information while entering your credit card number, account number and other important details. Cross-check the information you have entered and make the payment for the right bill amount.

Additional Info: Check Top 10 Cashback Credit Card and Apply.

Credit Card Billing Cycle

Credit card billing cycle is the period of generating your credit card bill. The transactions made on your card during the billing cycle reflect on your card statement. For instance, if your statement is generated on the fifth day of every month, your Credit Card Billing Cycle will begin on the sixth day of the previous month and will stop on the fifth day of the current month. Every transaction made during this period reflects on your credit card statement, which is generated on the fifth day of the month. The credit card billing cycle may vary between 27 to 31 days from bank to bank and the card type availed.

Credit Card Bill Payment FAQs

How can I pay my credit card bill?


You can pay your credit card bill through any of the following methods:

  • Internet banking
  • NEFT/RTGS online funds transfer
  • IMPS Method
  • BillDesk
  • Auto debit facility
  • Mobile wallets and payment systems
  • Calling customer care
  • Walking into a bank ATM
  • Over-the-counter payment
  • Drawing a cheque or demand draft

Can I pay my credit card bill with a debit card?


Yes, you can pay your credit bill online with a debit card.

What is the best method for paying a credit card bill?


The fastest and easiest way to pay your credit card bill is through online channels such as net banking, UPI, mobile wallet, etc.

What credit card bill payment offers?


Credit card bill payment offers various benefits like discounts, cashback, reward points, and so on.