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How to Pay Your Credit Card Bill: Different Methods Explained

How to Pay Your Credit Card Bill: Different Methods Explained

Table of Contents

It should be a no-brainer at this point that you should pay your credit card bill in full. Not the minimum amount due, not on EMI, but the whole amount in one go, on or before your due date. If you don’t, well, you might simply be getting into some serious debt. 

Let’s take a quick look at how you can pay your credit card bill. There are many ways to do it; let’s dive in.

Making Credit Card Payments Online 

Internet Banking

This is a convenient way to pay your credit card bills. Here are the steps you need to follow:

  • Sign into your net banking account
  • Head over to the ‘Credit Card’ section of your account
  • If you’re paying your bill through your Net Banking account for the first time, click on the ‘Register New Card’ button and fill out your credit card details and hit ‘Submit’
  • Select the ‘Transact’ button and click on your registered card
  • Choose the appropriate mode of payment and click on ‘Complete’ in order to finish your transaction

Fund Transfer Online 

You can make an NEFT payment to pay your credit card bill online. This way, you can make credit card bill payments from any bank’s net banking account. This also makes it easy to transfer funds from your savings account to your credit card account.

Factors worth noting here are as follows.

  • Before initiating your credit card bill payment via NEFT, ensure you have added the credit card
  • To add a beneficiary, you must submit details of your credit card, including your credit card number, your name, bank name, and branch and IFSC code
  • It should take about 30 minutes for your credit card account to be added as a beneficiary to your savings account

NEFT Payment

  • Sign into your online banking account
  • Select the ‘Funds Transfer’ button
  • Click on the ‘Transfer to other bank’ option 
  • Choose your credit card account along with the beneficiary
  • Fill out the required details and agree to the terms and conditions
  • Make sure all the details are correct prior to selecting the ‘confirm’ button to complete your payment 

Auto Debit Facility

This is one of the best and most hassle-free ways of making credit card bill payments. You also avoid risks associated with missing any credit card re-payments. This is because Auto-Debit, as the name suggests, automatically deducts money from the account you’ve linked it to. 

The steps involved with this method of credit card bill payment are as follows.

  • Sign into your net banking account and register for auto debit 
  • Select the ‘credit card’ section
  • Click on the ‘auto debit’ option
  • Select ‘enable’
  • Choose whether you’d like to pay the minimum amount due or would prefer to pay the whole amount due
  • If asked, enter the maximum amount limit for this facility
  • Select ‘confirm’ in order to activate auto debit
  • Now, this amount will be deducted each month from the bank account you’ve selected on the due date keeping in mind your instructions 

Mobile Wallet

A number of mobile wallets now offer facilities that help you pay your credit card bills. Here’s how you cna go about it:

  • Link your wallet app with the savings account or debit card via which you would like to pay your credit card bill
  • Add money to your mobile wallet and enter the details of your credit card
  • Fill out the amount owed and click the ‘Pay’ button in order to complete your transaction


The IMPS or Immediate Payment Services lets you make a credit repayment pretty much instantly.

  • Log into your bank’s mobile app
  • Select the ‘Merchant Payment’ button
  • Fill out all the required information including the contact number of the biller, mobile money identifier, credit card number, billed amount and bank account details via which funds will be transferred
  • Once these details have been entered, select ‘Confirm’ to complete your payment

Making Credit Card Payments Offline


You can make your credit card bill payment at your nearest ATM, provided you have a debit card issued from the same bank as your credit card. Follow the steps mentioned below to complete this transaction.

  • Visit your bank’s nearest ATM and make sure to carry your debit card with you
  • Insert your debit card into the ATM
  • Click on the ‘credit card bill payment’ button
  • Fill out the bill amount and follow the prompts to complete your payment 

Cheque or Demand Draft

You can pay your credit card bill offline by submitting a cheque or demand draft issued to your credit card account at any ATM drop box or bank branch. Simply ensure the following.

  • Your cheque or demand draft should be issued to your credit card account
  • The back of your cheque should feature your 26-digit credit card number, contact number and your name  

Since cheques take some time to be processed it is vital that you take this into account and make your credit card bill payments within your billing cycle.

Customer Support Service 

A number of credit card issuers provide their customers with the ability to make credit card bill payments by contacting support staff. That said, it is mandatory for users to have a savings or current account with the bank that issued them their credit card. To make a credit card payment via your card provider’s customer support service, simply follow the steps listed below.  

  • Call your bank’s customer care number
  • The interactive voice guide will walk you through the process of making a bill payment while ensuring that your credit card details are secure

Not all banks provide this facility so you must confirm this with your bank prior to making any payments. 


Visit your credit card issuer’s nearest bank branch to pay your credit card bill over the counter. After reaching out to a staff member, follow the steps listed below.

  • Fill out a cash deposit slip and mention your bill amount and credit card details
  • Submit this slip with the cash at the counter such that your payment can be completed 

Final Thoughts

There exist a number of ways by which you can make credit card bill payments. Ultimately, however, your personal preferences will determine whether online or offline payments are best suited to you. That said, online payments are easy and safe. Further, they don’t require you to step out of the comfort of your home. 

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Frequently Asked Questions

1. How can I pay my credit card bill?

You can pay your credit card bill online or offline. Online methods include but aren’t limited to mobile wallets and internet banking. Some offline credit card bill payment methods include using an ATM and contacting customer service.

2. What are the ways to pay a credit card bill?

 Credit card bills can be paid online as well as offline.

  • Offline methods include – paying a cheque, over-the-counter, using an ATM or contacting customer support service
  • Online methods include – using a mobile wallet, NEFT, IMPS, internet banking, mobile wallet, auto debit facility or BillDesk 

3. What is the fastest way to pay a credit card bill?

Paying your credit card bill online serves as the fast way to have your transaction processed. You can carry out this payment by using a mobile wallet, NEFT, IMPS, internet banking, mobile wallet, auto debit facility or by using BillDesk.

4. How do you read credit card bills?

Here are five things to keep in mind as you read your credit card bill -

  1. Check the account summary to understand your balance, payments, new charges, and the balance due for the current period.
  2. Review the transactions to ensure all charges are legitimate and authorized by you.
  3. Look for any fees, interest charges, or other expenses that may have been added to your balance.
  4. Check the due date and minimum payment required to avoid late fees and potential damage to your credit score.
  5. Keep track of your spending patterns to identify areas where you can reduce expenses and manage your credit more effectively.

5. What do credit card bills show?

Credit card bills provide you with information about your transactions, credits, transfers, penalties or fees, interest charges and any balance due. Make sure to go through your credit card bills thoroughly to know if all charges and payments are validated by you.

Curious? Read more

Things you need to know before owing a credit card

Using a Credit Card to earn maximum benefits

10 Credit Card features that are a actually a boon to its users

What are the different types of Credit Cards in India

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