How to make your credit card bill payment?

2 min read
24 Apr 2021

Making a credit card bill payment is easy and hassle-free. You can pay your credit card bills through multiple online and offline options such as net banking, NEFT, NACH mandate, RBL MyCard App, Bill Desk or through cheque or cash payments. You can also pay your credit card bill through Razorpay.

The online credit card payment facility allows you to repay the due amount anytime, anywhere. All you need is an active internet connection, and you can use the mobile application, net banking or other modes to clear the outstanding amount instantly. You can also pay your credit card dues directly from your bank account and receive instant notifications about successful payments.

You could also make credit card payment by cheque or cash if you do not want to use online methods.

Take a look at some of the most convenient methods to pay your Bajaj Finserv RBL Bank SuperCard bills.

Methods of credit card bill payment online

Credit card bill payment online using Bajaj Finserv BBPS (Bharat Bill Payment System)

  • Visit Bajaj Finserv’s BBPS login page
  • Enter your full name as mentioned in your PAN card
  • Enter your registered mobile number and click on ‘Generate OTP’
  • Enter the 6-digit OTP shared on your mobile number
  • Click on ‘Submit OTP’
  • On the homepage, go to ‘Financial Services and Taxes’
  • Click on Credit Card icon
  • Select the biller from the drop-down menu
  • Enter your 10-digit mobile number and the last 4 digits of your credit card number
  • Click on ‘Proceed’
  • Pay the amount using net banking, UPI ID, or debit card

Credit card payment through NEFT

Credit card bill payment through NEFT is one of the most commonly used digital payment options. NEFT allows the payment of credit card bills electronically between banks and is administered by the RBI. The credit card issuer must be NEFT-enabled for you to be able to make payments.

A few benefits of using NEFT to make credit card payment is that it is a secure platform, the payment can be done online and is completely paperless, and the payment charges are lower compared to other means of bill payment.

Choose the payee details below while making your NEFT payment:

  • Payee name: Name as it appears on your SuperCard
  • Payee account number: SuperCard 16-digit number
  • Bank name: RBL Bank
  • IFSC code: RATN0CRCARD
  • Branch location: NOC Goregaon, Mumbai

Credit card payment through net banking

You can use the net banking option for your existing RBL Bank account to make a payment towards your SuperCard. To create an RBL credit card login and make a payment, click here.

Credit card payment through NACH Facility

Register for the NACH facility for your Bajaj Finserv RBL Bank SuperCard and eliminate the hassle of remembering to make credit card payments every month. Link your existing account with any bank to your SuperCard using the NACH facility. Enrol by submitting the NACH form to us at the address given on the form. Click here to do it.

Credit card payment through RBL MyCard App

Make your Bajaj Finserv RBL Bank SuperCard bill payments with ease using RBL MyCard Mobile App. You can manage your account, check your credit card statement and pay your credit card bill instantly using another bank account.

If you haven’t downloaded the RBL MyCard Mobile App yet, you could do so by sending an SMS to MyCard to 5607011 or download it from Google Play Store or the App Store.

Credit card payment through Bill Desk

Make your Bajaj Finserv RBL Bank SuperCard payment instantly using other bank accounts to pay your outstanding dues and receive an instant payment confirmation.

Pay your credit card bill online, using Quick Bill.

Credit card bill payment through IMPS

Credit card bill payment through Immediate Payment Service (IMPS) is a fast and secure way to pay your credit card bills online. This service is available 24x7, and you can make payments from the comfort of your home or office. All you need is the recipient's (bank or credit card company) account number and IFSC code. You can initiate the payment through your bank's mobile app or internet banking portal. The payment is usually processed within seconds, and you will receive a confirmation once the payment is successful. Using IMPS for credit card bill payment can save you time and effort, and it's a convenient way to manage your finances.

Credit card bill payment through auto debit facility

Credit card bill payment through auto debit facility is an automated payment option that simplifies your monthly credit card payments. With this feature, you can authorise your bank to deduct the bill amount from your bank account on a set date every month. You don't have to worry about missing the payment due date, and you'll avoid any late payment fees or interest charges. This service is easy to set up, and you can change or cancel the authorisation anytime. This feature is especially useful if you have multiple credit cards and bills to manage. It's a hassle-free way to stay on top of your monthly payments and avoid any penalties.

Methods of credit card bill payment offline

Credit card payment through cheque

You can also draw a cheque in favour of your Bajaj Finserv RBL Bank SuperCard.

Credit card payment through cash

If the online mode of payment is inconvenient for you, you can pay your monthly credit card bill in cash. Visit your nearest Bajaj Finserv branch or RBL Bank branch to pay the bill amount in cash. Deposit it into your credit card account with your name and account number. Additional charges and taxes are applicable on credit card bill payments through cash.

Customer support service

Credit card companies offer 24x7 customer service to assist you with payment-related issues. You can call the toll-free number and speak to a customer service executive who can guide you with payment options, due dates, and any other queries.

Through ATM

Insert your credit card at an ATM, select the 'credit card payment' option and enter the bill amount. The payment will be deducted from your designated savings or current account linked to the card.

Over-the-counter credit card bill payment

Visit the credit card company's branch office or a nearby bank branch, fill out the payment slip, and make the payment using cash, cheque, or demand draft.

Which is the better payment method – paying credit card bill online or offline?

Whether to pay your credit card bill online or offline depends on your preference and convenience. Here are some points that may help you decide:

Online payment:

  • Quick and convenient payment from anywhere, at any time
  • Instant payment confirmation and real-time account tracking
  • Secure payment gateway with options like net banking and mobile wallet
  • Avoid last-minute rush and late payment fees
  • Allows for easy access to payment history and e-statements

Offline payment:

  • Cash or cheque payment options available
  • Personalised banking services available at bank branches
  • Does not require internet connectivity
  • May take a little longer for payment confirmation
  • May have limited payment options compared to online payment

In conclusion, both online and offline payment options are viable for credit card bill payment, depending on your preferences. However, online payment offers more convenience and security. It's still important to pay your bills on time to avoid penalty charges.

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Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

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Disclaimer

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Frequently asked questions

What happens if I only pay the minimum due amount?

Paying the minimum due amount on your credit card allows you to avoid a penalty charge on the card. However, the outstanding balance gets carried forward to next month’s bill, leaving you with a larger amount to pay off. It also attracts interest on the due amount.

Should I pay my credit card in full?

Paying off credit card bills within the payment due date every month has the following benefits:

  • Prevents you from accruing high interest on the outstanding balance
  • Increases your CIBIL score and strengthens your credit report
  • Clears your existing debt and gives you a full credit limit for new expenses
How can I pay my credit card bill?

You can now pay your credit card bills conveniently through NEFT transfer. However, the credit card issuer must be NEFT-enabled to receive the payment.

Follow these steps to pay your SuperCard bill using NEFT transfer:

Step 1: Log in to your net banking account and add RBL Bank as a beneficiary under third party transfer
Step 2: Add the IFSC code as RATN0CRCARD to make the credit card payment
Step 3: Enter your 16-digit Bajaj Finserv RBL Bank SuperCard number in the account number field on the banking page
Step 4: Enter the bank name as RBL Bank
Step 5: Enter the bank address as NOC Goregaon, Mumbai
Step 6: Click ‘Submit’ to finish your registration process

Once you are registered, make the payment. Your payment will reflect within 3 banking hours in your RBL SuperCard account.

When should I pay my credit card bill?

After your credit card bill is generated, you can make the payment any time within the due date every month. Failing to do so shall attract additional interest unnecessarily.

How much should I pay on my credit card to avoid interest?

The best practice to avoid interest on credit card dues is to pay off the full amount due within the payment due date.

How many points does my credit score go down due to a delayed payment?

A drop in your credit score due to late payment depends on various factors, including the number of days the payment is late by.

  • Delaying by one day doesn’t usually get recorded in your credit report.
  • Delaying for 30 to 60 days occasionally is recorded until the payments are made.
  • Frequently defaulting between 30 and 60 days causes damage to your CIBIL score.

Make the bill payments on time using a convenient payment mode and enjoy the benefits of Bajaj Finserv RBL Bank SuperCard hassle-free.

What happens if I pay my credit card bill early?

Early payment of your credit card bill comes with several benefits. It helps you avoid interest charges, frees up your credit line for further transactions and helps improve your credit score.

What are the 3 methods of payment?

You can pay your Bajaj Finserv co-branded credit card (in collaboration with RBL and DBS) bill through various methods. You could also use Net banking or NEFT to make payments. Not just this, there's even an option of paying your bill through cheque or cash at the bank branch of RBL and DBS.

What is the payment method for a credit card?

Credit card payments can be made through various modes such as online banking, mobile banking, auto-debit, or cheque. It will vary for every card provider. Check with your card provider for the best-suited payment mode.

What is the best time to pay a credit card bill?

It's best to pay your credit card bill before or on the due date to avoid late payment fees. Some credit card companies also give a grace period of a few days after the due date to make the payment without penalty charges.

Which is the fastest method to pay my credit card bill?

Online payment through your credit card company or bank's net banking or mobile app is the fastest method to pay your credit card bill. The payment is usually processed in real-time, and you receive a confirmation immediately.

How can I pay my credit card bill from another bank?

There are several ways to pay your credit card bill from another bank. You can use NEFT/ IMPS, set up a standing instruction for auto-debit, or use a mobile wallet to make the payment. You need to have the credit card company's name, account number, and IFSC code or branch address to initiate the payment. Check with your bank or credit card company for the specific steps for payment.

Can you pay the credit card bills monthly?

Yes, credit card bills can be paid monthly. Cardholders have the flexibility to pay the full outstanding amount or choose to pay a minimum due amount, with the remaining balance carried forward to the next billing cycle. Timely payment helps avoid interest charges and maintains a good credit score.

Can you convert the credit card bills into EMI?

Yes, many credit card issuers offer the option to convert credit card bills into Equated Monthly Instalments (EMIs). This allows cardholders to convert high-value purchases or outstanding balances into manageable monthly payments, typically with lower interest rates than standard credit card rates.

What are the different methods available for paying my credit card bill?

Credit card bills in India can be settled using a variety of methods. These include digital channels like internet banking and mobile wallets, as well as automatic deductions from your bank account. You can also use online fund transfers via NEFT/RTGS, the IMPS method, or third-party apps. It’s recommended to verify these options with your bank.

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