credit card bill payment

One of the best ways to keep your finances sound is to keep track of your credit card balances and your credit card application status. You must be aware that if you fail to repay your credit card dues on or before the specified due period, you might have to pay a hefty amount, including late fees and high interest.

With various payment methods available, understanding how to pay your credit card bill can save you from unnecessary fees and interest charges. This post explores different methods to pay your credit card bill on time. It enables you to make credit card repayments easily and quickly. 

What is a Credit Card Bill Payment? 

A credit card bill is a financial statement that outlines your recent purchases, outstanding balance, and minimum amount due. Delays in credit card payments can result in late fees, higher interest rates, and lower credit scores. You must choose a convenient transaction method to make your payments on time. 

Different Methods for Credit Card Bill Payment Online 

Online bill payments have facilitated on-the-go debt repayment with the advent of technology. It makes waiving extra charges and fines easier if you clear the debt within the specified time limit. This section will help to pay your credit card dues online. 

  1. Internet Banking (Net Banking)

Internet banking is one of the easiest and most secure methods to repay your credit card bills. You must ensure that you already have Internet banking activated for your account before choosing this mode of repayment. Follow the below steps:

  • Visit your bank’s portal and enter your Internet banking profile.
  • Navigate to the ‘Credit Card’ section.
  • For first-time users, you must register your card by choosing ‘Register New Card.’ Next, enter your card details and click ‘Submit.’
  • Choose your registered credit card, click ‘Transact,’ and choose the mode of payment.
  • Click ‘Complete’ and end the transaction.
  1. Electronic Fund Transfer (ETF)

NEFT permits you to pay your credit card online. You can transfer money from your savings to your credit card using the Internet banking account of any other bank. Below is the procedure you must follow: 

  • Add your credit card as the recipient (beneficiary) before paying.
  • Submit your credit card information (your name, your bank’s name, bank branch, IFSC code, and credit card number) to add a beneficiary.
  • Adding your credit card to your savings could take up to half an hour. (Note: Some banks take up to 4 hours to add a beneficiary and allow fund transfer. Additionally, there might be a maximum limit for fund transfer in the first 24 hours of adding the beneficiary).
  1. Mobile Banking Apps

Many banks offer dedicated mobile apps that allow you to manage your finances on the go. Mobile apps often provide additional features like setting bill reminders and tracking expenses. 

  • Download your bank’s mobile app through their website, Google Play Store (catering to Android users), or Apple App Store (iOS).
  • Link your credit card.
  • Make payments directly from your smartphone.
  1. Fund Transfer via Online Wallet

Several companies have developed wallet services that you can install on your smartphone and repay your credit card bill. Here are the steps: 

  • Connect your wallet app to your savings account or debit card to pay your bill.
  • Add funds to your wallet from the savings account and enter your credit card credentials.
  • Enter the debt amount and click ‘Pay’ to complete the transaction.
  1. Auto-Pay Option

The auto-pay or auto-debit option comes in handy. It enables you to avoid late fees as the due amount automatically gets deducted from your account when set. Below are the steps to follow: 

  • Log in to your active Internet Banking account and sign up for auto debit.
  • Go to the tab stating ‘credit card’ and click ‘auto debit.’
  • Select whether to pay the minimum or the full amount due.
  • If necessary, specify the maximum quantity to be used.
  • Make sure to confirm and activate your auto debit.

The due bill will be automatically charged to your linked account on the due date each month. 

Different Methods for Credit Card Bill Payment Offline 

Offline methods can be done if you are uncomfortable with using the online mode. 

  1. ATM Payment

ATMs facilitate credit card bill payment. To do so, follow the steps mentioned below: 

  • Visit your bank’s ATM at any location. Carry your credit card without fail.
  • Insert the credit card in the card slot and wait for the options to appear on the screen.
  • Choose ‘Credit Card Bill Payment.’
  • Complete the invoice amount and adhere to the payment instructions provided.
  1. In-Person Payment

If you are hesitant to pay your credit card due via any other payment method, online or offline, you can visit your bank’s branch. Follow the steps to complete the payment: 

  • Ask for a cash deposit slip and fill it in with the required details of your credit card and bill amount.
  • Give the cash deposit slip to the cashier to make your payment.


Knowing how to pay your credit card bills is essential to stay on top of your finances. With so many ways to pay, pick the one that works best for you and makes timely payments. Whether you go online, use mobile apps, pay by auto, pay by bill, pay by mail, or use phone banking, being proactive and responsible regarding credit card bills will help you have a better financial future. 

Remember to monitor your credit card application status if you are awaiting a new card. Following these simple steps will avoid late payment fees and interest charges. 

By Deepti

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