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RBL Credit Card Bill Payment

Ratnakar Bank Limited is one of the top-notch banks in India. Providing competitive resolutions to the financial challenges in the current market, RBL has gained its reputation as one of the leaders in the economy today. RBL Credit Cards are solely intended to address the issues of their cardholders and provide the optimum solutions for all their financial necessities.

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While some credit cards are designed to bring ease to the incessant customers, others are intended for business voyagers and the individuals who eat outside consistently. Along these lines, the bank obliges to the requirements of different portions of the economy and sails through their specific requirements.

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RBL Credit Card Bill Payment Overview

Covering your credit card overdue bill on time is significant. You can keep away from late payment fees and charges, just as you keep up with your CIBIL score and creditworthiness. The interaction needed to pay the RBL Bank charge card bill is straightforward and can be done both online and offline. Not only this, you get to receive multiple RBL credit card bill payment offers that make the entire process a game-changer in the current scenario.

Let’s explore the options made available by RBL bank:

RBL Credit Card Bill Payment For Account Holders

RBL Bank Credit Card Bill Payment for RBL Account Holders - Online

RBL Card bill payment options for the RBL Account holders using the digital tools and advances of web facilities are the following:

NEFT for RBL credit card bill payment

NEFT mode of payment enables instant transfer and is as convenient as it can get. To use your non-RBL bank's net banking or mobile banking service to make the payment of your RBL credit card through the option of NEFT, follow these steps:

  • On your non-RBL mobile banking or net banking account, log in by entering your user ID and password.
  • In the given options of funds transfer and select the option of NEFT payment.
  • Simply fill in your RBL credit card details and proceed with the payment.

RBL Net Banking for RBL credit card bill payment

This method of payment is accessible only by the RBL account holders. Immediate transaction and the receipt of the transaction will be released on the same day. Follow these steps:

  • Visit here to log in to the facility of RBL net banking - https://www.rblbank.com/personal-banking/ways-to-bank/internet-banking/
  • Here, select the 'RBL Credit Card Payment' option and proceed.
  • In case you haven’t done this before, you’ll be needed to register your card with the account by filling in your card details.
  • Enter the amount you wish to pay and then click on 'Pay'.
  • To enter the right amount, make sure you check the minimum amount due and the total amount due by clicking on the 'Credit Card Summary' tab.

Online banking for RBL credit card bill payment

To avail the benefits of this feature, follow these steps:

  • Click here - https://www.rblbank.com/ to visit the official RBL bank website.
  • Select the 'Make Payments' option on the top right corner of the web page.
  • Now, you need to route through the 'Credit Card Payments' option.
  • Here you can select the payment option via three payment gateways: Pay U, Razorpay, or Bill Desk.
  • You can select your preferred mode of payment, and you’ll be redirected to the payment portal.
  • Enter the required details on the page and click on 'Submit'.
  • Now you’ll have to choose your SBL internet banking option.
  • Fill in your username and password and proceed to make the payment.

BillDesk for RBL credit card bill payment

For opting through the BillDesk option to make your RBL Bank credit card bill payment, you need to follow these steps:

  • Visit - Billdesk RBL Credit Card Bill Payment Portal
  • Fill in your RBL Bank credit card number details
  • Enter the amount you wish to pay
  • Select your RBL bank account from which you would like to take this payment forward.
  • Now you will be redirected to the payment portal of your bank.
  • Here you need to reconfirm the payment.
  • Fill in your Net Banking details here to make the transaction
  • Finally, your account will get instantly debited, and you’ll receive your confirmation receipt.

Keep in mind that this mode of payment takes up to 2 days to reflect the amount in your RBL Bank Credit Card account. Therefore it is advised to make the payment while opting for this method duly. 

Debit Card for RBL credit card bill payment

You can also use your RBL debit card to pay for RBL credit card dues. Here’s what you need to do:

  • Go to the RBL Bank's official website.
  • Here, select the 'Make Payments' option.
  • Proceed further with the 'Credit Card Payments' option.
  • Choose your preferred gateway option from the displayed options on the screen and proceed to the payment portal.
  • Now you’ll be asked to fill in the details of your card, contact information, and debit card.
  • Proceed to make the payment.

RBL MyCard Mobile App for RBL credit card bill payment

RBL bank also provides the facility to conveniently proceed with the payment using their mobile app for a hassle-free transaction. To opt for this option, follow these steps:

Standing instruction for RBL credit card bill payment

You can set up an auto-debit service from your RBL Bank savings account to make convenient instalments every month. Existing RBL Bank account holders can make their card instalments through standing guidelines. Round out the standing directions frame and send it to cardservices@rblbank.com to go ahead with the activation of this policy.

Make sure your credit card is linked with your savings account to opt for this service.

RBL Bank Credit Card Bill Payment for RBL Account Holders - Offline

If you are not happy making the payment using online facilities, you can cover your card bill through the accompanying offline techniques

Cash for RBL credit card bill payment

  • You need to go to any RBL Bank branch nearby to make the payment at the bank’s counter.  
  • Keep in mind that you will be asked to incur a payment of INR 250/- as a part of the processing fee to make the cash payment. 
  • The payment made will be reflected in your RBL credit card account within the same day. 

A cheque for RBL credit card bill payment

To make the payment of your credit card’s outstanding bill using the service of cheque, follow these steps: 

  • Draw the cheque favouring your RBL Bank’s credit card, filling in the 16 digit card number.
  • Simply drop in the cheque at any of the RBL bank’s branches near your residence. 
  • The payment to the credit card account will be released based on the realisation of the cheque. 

Keep in mind that the clearance of the cheque takes two to three working days. Make sure you deposit your cheque in due time before the final date of payment to avoid late fee charges.

National Automated Clearing House Facility (NACH) for RBL credit card bill payment

NACH is a facility that helps make the payment automatically from your account. To go ahead with this facility, follow these steps:

  • Link your bank account with your RBL credit card using NACH, and your monthly amount will be auto-debited from your savings account.
  • To go ahead with this facility, submit the NACH application form by filling in all the necessary details.
  • Now simply mail the form to the given address on the form, and your application will be processed.

RBL Credit Card Bill Payment For Non-Account Holders

RBL Bank Credit Card Bill Payment for Non-RBL Account Holders - Online

RBL Bank has made multiple options available for the Non-Account holders to make the payment with no added sweat. Here are some online modes of payments available:

NEFT for RBL bank credit card bill payment 

You can make the payment of your outstanding RBL credit card dues through NEFT using any account. With the facility to ensure instant payment and smooth transaction, NEFT becomes one of the most preferred options to complete the procedure. You need to follow these steps:

  • Visit your net banking portal and log into your registered account using your user ID and password. 
  • There, you’ll be required to fill in the following details to enter the following information to register RBL Bank as a beneficiary:
  • Payee name - as per your credit card
  • Payee account number - Your 16-digit card number.
  • Bank name - RBL Bank
  • Branch location - NOC Goregaon, Mumbai
  • IFSC - RATN0CRCARD

Online banking for RBL credit card bill payment

To avail the benefits of this feature, follow these steps:

  • Click here - https://www.rblbank.com/ to visit the official RBL bank website.
  • Select the 'Make Payments' option on the top right corner of the web page. 
  • Now, you need to route through the 'Credit Card Payments' option.
  • Here you can select the payment option via three payment gateways: Pay U, Razorpay, or Bill Desk.
  • Simply select your preferred mode of payment, and you’ll be automatically redirected to the secure payment portal. 
  • Here you need to fill in the required details on the page and select 'Submit'.
  • Finally, you’ll have to select your Non-RBL bank's internet banking option.
  • Enter your username and password and push on to make the payment.

BillDesk for RBL credit card bill payment

For opting through the BillDesk option to make your RBL Bank credit card bill payment, you need to follow these steps:

  • Visit - Billdesk RBL Credit Card Bill Payment Portal
  • Here you need to enter your credit card number and select the amount you wish to make the payment for.
  • Choose your non-RBL bank account from which you wish to proceed with the making of the payment (RBL is a partner only with select banks).
  • On selection, you will be directly redirected to the payment portal of your chosen bank, fill in the details and confirm the payment.
  • Fill in your Net Banking details here to make the transaction 
  • Finally, your account will get instantly debited, and you’ll receive your confirmation receipt.

Keep in mind that this mode of payment takes up to 2 days to reflect the amount in your RBL Bank Credit Card account. Therefore it is advised to make the payment while opting for this method duly. 

Paytm for RBL bank credit card bill payment

E-payment gateways are taking up considerable space in the current market to make the online exchange of finances very smooth and convenient. To select this method, follow these steps:  

  • Visit the link - https://paytm.com/credit-card-bill-payment.
  • You’ll see the option of ‘Credit Card Bill Payment’ wherein you’ll be needed to enter the details of your RBL credit card number and proceed.
  • Surf through the available payment options and select your preferred options available for the payment method between BHIM UPI and Net Banking. Select your desired mode and click 'Pay now’.
  • Finally, enter all the required details and proceed with your transaction.

RBL Bank Credit Card Bill Payment for Non-RBL Account Holders - Offline

As an RBL credit cardholder who is a non-RBL account holder, you have the following offline options made available for the repayment of your bill:

Cheque/Draft for RBL bank credit card bill payment 

To make the payment of your credit card’s outstanding bill using the service of cheque, follow these steps: 

  • Draw the cheque favouring your RBL Bank’s credit card, filling in the 16 digit card number.
  • Simply drop in the cheque at any of the RBL bank’s branches near your residence. 
  • The payment to the credit card account will be released based on the realisation of the cheque. 

Keep in mind that the clearance of the cheque takes two to three working days. Make sure you deposit your cheque in due time before the final payment date to avoid late fee charges.

OTC payment for RBL bank credit card bill payment 

  • You need to go to any RBL Bank branch nearby to make the payment at the bank’s counter.  
  • Keep in mind that to make the cash payment, you will be asked to incur a payment of INR 250/- as a part of the processing fee. 
  • The payment made will be reflected in your RBL credit card account within the same day. 

NEFT for RBL bank credit card bill payment

To avail of the benefits of the NEFT payment services, visit your current bank’s branch where you have your savings account and request for NEFT by using the following details:

  • Payee Name: Name as on your RBL Bank Credit Card
  • Payee Account Number: 16-digit Credit Card number
  • Bank Name: RBL Bank
  • IFSC Code: RATN0CRCARD
  • Branch Location: NOC Goregaon, Mumbai

FAQ

Q1 How can I pay my RBL credit card bill?

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To make the RBL credit card bill payment, you can opt for any of the modes mentioned above of payment made available. Multiple online and offline mediums have made the entire process very simple and hassle-free.

Q2 How can I check my RBL credit card bill?

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To check the status offline:

You can dial the customer helpline number to get assistance from the bank’s representative to receive the statement at your residential address via post. You can also type 'GREEN' and send an SMS to 5607011 from your registered mobile number to get the details on your phone.

To check the status online:

You can avail of the net banking service of the bank to view your card statement.

  • Visit  https://www.rblbank.com/
  • Enter your user ID and password to log in
  • Go to ‘Credit Cards’
  • Select ‘Statement’ and enter the period for which you want to check the statement.

Q3 How can I pay the RBL credit card bill from another credit card?

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There is no direct way of making the payment from one credit card to another. You can always select one of these methods to make the indirect transfer:

  • Cash transaction
  • E-wallet transaction
  • Balance transfer

Q4 What is the due date for RBL credit card payment?

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Most often, the billing cycle of the credit card ranges from 21 to 25 days.

Q5 How to convert credit card payment to EMI in RBL?

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To convert your credit card payment into an EMI facility simply means you wish to convert your credit card sum into a loan amount. To do so, you can opt for any of these options:

  • Logging into the RBL Cares Chatbot
  • Logging into the RBL MyCard mobile App
  • Sending ‘EMI’ to 5607011 – RBL Bank Credit Card
  • Sending ‘EMI’ to 5607033 – Bajaj Finserv RBL Bank SuperCard
  • Calling customer care (Number available at the back of your credit card)

Q6 What are the penalty charges if I pay after the due date?

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Here are some of the charges, including the late fee charge that you need to keep in mind as a holder of the RBL Bank Credit Card

CategoryAmount
Fee for Cash AdvanceMinimum Rs. 300 or 2.50% of the cash amount
Late Payment Fee15% of the amount. Min. Rs. 50 and Max. Rs. 1000
Over Limit PenaltyRs. 600
Cheque dishonoured/returned feeRs. 500
Cash payment at RBL Bank branch feeRs. 250 per cash deposit
Foreign Currency Conversion fee3.50%

Q7 What will happen if I pay only the minimum amount due on the RBL credit card?

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The interest is charged from the payment date and not the end of the charging cycle. Subsequently, every time you pay just the base equilibrium, to make the cash payment with the facility to ensure instant payment and smooth transaction cause an interest charge on that outstanding sum and miss out on the various benefits made available in the credit-free term.