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How to pay your credit card bill

You can pay your credit card bills through multiple online and offline modes such as net banking, NEFT, NACH mandate, RBL MyCard App, Bill Desk or by cheque or cash. You can also pay your credit card bill through Razor Pay.

The online credit card payment facility allows you to repay your dues anytime and anywhere. All you need is an active internet connection; you can use a mobile application or net banking to pay your bills. You can also pay your credit card dues directly from your bank account and instantly receive notifications about the successful payment.

Let’s take a look at some of the most convenient methods to pay your Bajaj Finserv RBL Bank SuperCard bills.

How to pay a credit card bill

TThe process of paying a credit card bill is simple. Cardholders can pay online through various methods. They can also opt to pay their monthly credit card bills offline via cheque or cash.
 

  • Credit Card Payment through NEFT

    Credit card payment through NEFT

    NEFT is one of the most commonly used internet payment options for credit card bills. 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 a customer to make payments using this method.

    A few benefits of using NEFT to pay credit card bills is that it is secure, can be done online and is completely paperless. Also, payment charges are low compared to other means of bill payments.

    Choose the payee details given below while making an 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

    Credit card payment through net banking

    You can use internet banking on 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 forget the hassle of making credit card payments every month. Link your bank account with any bank to your SuperCard using NACH. Enrol by submitting the NACH form to us at the address given on the form. Click here to download the form.

  • Credit card payment through RBL MyCard App

    Make your Bajaj Finserv RBL Bank credit card payments with ease using the 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.

    Not registered for RBL MyCard Mobile App yet? Download now—it’s simple, quick and convenient. SMS MyCard to 5607011 or download from Google Play or App Store.

  • Credit Card Payment through Bill Desk

    Credit card payment through Bill Desk

    Make your Bajaj Finserv RBL Bank Credit Card payment instantly using other bank accounts to pay your outstanding and instantly receive a confirmation for your payment.

    Pay your credit card bill online using Quick Bill.

  • Credit Card Payment through Cheque Payment

    Credit card payment through cheque

    Please draw a cheque in favour of Bajaj Finserv RBL Bank SuperCard <16 Digit Card No.>

  • Credit Card Payment through Cash

    Credit card payment through cash

    You can also pay your Bajaj Finserv RBL Bank Credit Card bill in cash. If online payments are inconvenient for you, make a cash payment towards your monthly credit card bill.

    Visit your nearest Bajaj Finserv branch or RBL branch to pay the bill 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. This will be cleared on the same working day

Credit card payment 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 the next month’s bill, leaving you with a bigger sum to pay off. A delayed payment also attracts interest on the amount due and adversely affects your CIBIL score.

Should I pay my credit card bill in full?

It’s always recommended to pay off the total amount due every month to enjoy significant benefits as follows:

  • It prevents you from accruing heavy interests on the outstanding balance
  • It Increases your CIBIL score and strengthens the credit report.
  • It clears your existing debts and opens your credit limit for newer expenses.

How can I pay my credit card bill?

You can now pay your credit card bills conveniently through NEFT. This mode of payment allows the cardholder to pay their credit card bills electronically. The credit card issuer must be NEFT-enabled to receive the payment.

Follow the steps below to pay your credit card bill using NEFT:
  • Step 1: Log in to your net banking account and add RBL Bank as a beneficiary under the third party transfer option.
  • Step 2: Add RATN0CRCARD as the IFSC code to make the credit card bill 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 complete the registration process, the payment will reflect in your RBL SuperCard account within 3 banking hours.

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.

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

The best practice to avoid interest on your credit card bill is to pay the total outstanding within the due date.

How many points does your credit score go down by for a delayed payment?

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

  • A delay of one day usually doesn’t get recorded in a credit report
  • A delay of 30 to 60 days is occasionally recorded until the payment is made
  • Frequent defaults of between 30 and 60 days cause lasting damage to your CIBIL score
  • If you are late by more than 90 days, it hampers your credit records for up to 7 years
Make your bill payments in time via a convenient mode and enjoy the benefits of Bajaj Finserv RBL Bank SuperCard.

What happens if you pay your credit card bill early?

Early payment of your credit card bill comes with several benefits as it helps avoid interest charges, frees up your credit line for further transactions and helps improve your credit score. Early payment of dues thus allows the cardholder to make maximum use of the credit limit as well as the accompanying grace period.

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