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Credit Card bill payment: What are the ways to make the payment?

Credit Card Bill Payment

With new features and benefits added every day, credit cards are slowly integrating deep into the day-to-day lives of consumers. There are not many people in cities who do not use credit cards. Surprisingly, they have become a necessity, and if you know how to use it by paying the dues in full, you can establish a good credit score by building a healthy credit history.

You receive a credit card statement every month, with the details of transactions, total amount payable and payment due date. You are required to pay the amount in full or the minimum amount to maintain a good credit score, but how do you make a credit card payment?

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Here are the ways to make a credit card bill payment:

1. Payment through net banking

  • This method of credit card payment can be made on your mobile phone, laptop or personal computer. You can do it using the following steps:
  • Log into your savings account
  • On the page, choose and click the ‘Credit cards’ section
  • Register the card and choose the card for the bill payment
  • Choose the option "Pay your credit card bill”
  • Fill in the amount you want to pay
  • Click on the ‘Confirm’ tab to complete the payment.

2. Payment through NEFT

Another method of credit card bill payment is by using the National Electronic Funds Transfer (NEFT). It is transfer of funds from your bank account to your credit card account. Though the standard process is explained below, it may differ in some banks.

  • Log into your bank account, which is your net banking account
  • Click on the ‘Funds transfer tab and choose ‘NEFT’
  • Next, add the beneficiary by choosing ‘Add beneficiary’ option
  • Fill in your name as given on the credit card, credit card number, name of the bank and IFSC code
  • Confirm the details and proceed to pay
  • After that, enter the amount, select the bank account number from which you want to pay, give the remarks and continue to receive OTP on your mobile.
  • Verify the OTP and click on the ‘Submit’ tab to make the credit card payment.

3. Payment through IMPS

You can make your credit card bill payment easily via Immediate Payment Service or IMPS. To pay through this reliable service, you need to:

  • Log into your bank’s website or mobile app
  • Click the ‘Funds transfer’ option and choose the IMPS link
    • Next, enter the amount, select the bank account number from which you want to pay, give the remarks and continue to receive OTP on your mobile.
    • Verify the OTP and click on the ‘Submit’ tab to make the credit card payment.

4. Payment through BHIM UPI

When it comes to making a credit card payment, the issuing bank allows you to make instant payments through BHIM UPI or Google Pay app. You need to follow the steps explained below:

  • Log into your bank’s mobile app
  • Go to the UPI section
  • Provide the unique UPI ID, for instance, it is your 16-digit credit card number >.cc@idfcbank and pay

5. Offline Payment Options

Other than the online payment options and credit card payment app on mobile, you can make the credit card bill payment at the issuing bank’s branch. IDFC FIRST Bank allows you to deposit cash or cheque at the nearest branch by providing your card details.

Now, how to pay credit card bill from another credit card?

This is not possible; however, you can use a credit card to withdraw money from the ATM and make the other credit card payment. It is not advisable to pay like this as it will prove to be quite expensive later. The other way is to transfer the balance to another credit card if the interest rate is lower and the interest-free period on that card is higher than the earlier one.

If you still want to know how to pay bill of credit card, click here.

For a new credit card, visit the IDFC FIRST Bank website here



The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.