January 29, 2025
Pay Your Credit Card Bills Without Hassle
Timely payment of credit card bills is crucial to avoiding late penalties and interest charges while maintaining a strong credit score. Whether paying online or offline, choosing a reliable method ensures seamless financial management. Let’s explore the most effective ways to settle your credit card bills hassle-free!
Online Methods for Credit Card Bill Payments
Net Banking
One of the easiest ways to pay is through your net banking account. Register your credit card with your bank, ensuring quick transactions directly from your savings account.
IMPS (Immediate Payment Service)
IMPS allows 24/7 fund transfers, enabling credit card payments via SMS, ATMs, mobile banking, or bank branches for instant settlements.
NEFT (National Electronic Funds Transfer)
Through NEFT, users can pay credit card bills from any bank account by adding the card as a beneficiary. Enter details such as credit card number, cardholder name, bank name, branch, address, and IFSC code to complete the process.
Offline Methods for Credit Card Bill Payments
Phone Banking
Some banks offer credit card payments via customer service calls—a convenient option if your credit card and bank account belong to the same provider.
ATM Payments
If you have a debit card from the same bank that issued your credit card, you can pay your bill directly at an ATM, ensuring instant processing.
Cheque & Demand Draft Payments
Credit card bills can also be paid via cheque or demand draft (DD) deposited at an ATM or bank branch.
Same bank transactions take up to three business days.
Other banks may require five business days, while outstation cheques take 12–21 days.
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