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How to Easily Pay Your Credit Card Bills Online

It’s important you pay your credit card bills on time.

3 min read
How to Easily Pay Your Credit Card Bills Online
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Paying credit card bills on time is extremely crucial so you don’t end up missing due dates and paying penalties. Card issuers have simplified the online credit card payment process by integrating various payment methods.

Some of the tools that were used to pay the bills previously are demand drafts, cheques, debit cards and other credit cards. However, thanks to digitisation, the process has become a lot easier now. Almost every card issuer is has introduced the internet banking option for customers to pay their credit card bills conveniently. Also, mobile applications launched by the issuers along with various online payment portals have simplified process. This is one of the primary reasons why digital payments in India are witnessing a CAGR of 17 percent.

Thanks to digitisation, the process of paying credit card bills has become a lot easier now.
(Photo: iStock)

Credit card bill payment methods

There are many ways through which you can pay your credit card bills online. Some of them are mentioned below:

Net Banking

Card issuers offer the provision of online credit card payment through online transfer of funds via accounts. To use this feature, firstly you are required to register for this facility. Once you have registered, you must log in to your credit card account and visit the payments page. At the redirected page, you are required to select the specific financial institution from a list of options that are provided.

You are required to enter your net banking credentials at this stage and authenticate your action with the help of an OTP that you will receive on your registered mobile number. The transaction usually completes within a few seconds of submitting an OTP.


Individuals who are looking to pay their credit card bills through their savings account can opt for this facility. It is a convenient method to pay your credit card debt on time. You are required to add your credit card account as a beneficiary.

Submit the details required in the mobile application of your savings account. You can pay your bills every month easily by selecting the beneficiary.

Mobile application of an issuer

Several card issuers have introduced mobile platforms to aid individuals in using their credit cards. Along with checking credit card application status while applying for a card, individuals can pay their credit card bills through such platforms. Also, you can track your transactions with ease through such apps.

For instance, financial institutions like Bajaj Finserv offer such facilities with their RBL MyCard app. Cardholders can easily pay the bills of their Bajaj Finserv RBL Bank SuperCard with this app.

They also provide pre-approved offers which make the procedure of availing credit cards simple and time-saving. You can check your pre-approved offer by providing a few essential details like your name and phone number.

Not paying your credit card bills on time can lead to penalties.
(Photo: iStock)

National Automated Clearing House (NACH)

NACH was mandated by the National Payments Corporation of India (NPCI). Individuals can automate their bill payments on time via this facility. Under NACH mandate, you are required to link the payments of your credit card from your savings account by opting for this NACH facility. You also need to submit a NACH mandate to the financial institution with which you hold a savings account.

After successful registration, a specific sum of funds will be deducted from your savings account each month.

Ensure that you repay your debts on time to avoid paying additional charges. Not clearing your monthly dues in time also reduces your CIBIL score.

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Topics:  Credit Card   Bajaj Finserv 

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