Recharge and Pay Bills
In summary
Credit card payment on Bajaj Finance lets you complete your credit card bill payment online through Bajaj Pay, using UPI or a debit card.
- Where to pay: Pay your credit card bill on the Bajaj Finance app or website after adding your card details.
- Bajaj Pay Bharat Connect: Your card payment runs on Bharat Connect, operated by NPCI Bharat BillPay.
- Issuers: Billers include ICICI Bank, SBI Card, HDFC Bank, Axis Bank, IndusInd Bank, Yes Bank, Kotak Mahindra Bank and RBL Bank.
- Payment modes: Pay your card bill with UPI or a debit card.
- Billing cycle: A billing cycle usually runs about a month, and your issuer shows the payment due date on each statement.
Log in with an OTP on the Bajaj Finance website to make your online credit card payment.
Credit card bill payment online
An online credit card payment on Bajaj Finance lets you pay your card bill through Bajaj Pay, powered by Bharat Connect on the app or website. Add your card details, fetch your bill and choose your payment mode.
| Credit card payment mode | Accepted | Notes |
|---|---|---|
| UPI | ✓ Accepted | Pay from your bank account through UPI |
| Debit card | ✓ Accepted | Pay directly from your bank account |
You get notified once your credit card payment is successful.
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Reasons to pay your credit card bills on time
Timely credit card bill payment protects your CIBIL score and keeps you clear of late payment charges and interest.
- Credit score: Issuers report your repayment record to credit bureaus such as CIBIL, and a missed payment can lower your score and appear on your credit report.
- Late payment charges: Under RBI rules, issuers can levy late payment charges only when a payment is overdue for more than 3 days after the due date, and the charge varies by issuer.
- Interest: If you pay less than the full amount due, interest is charged on the outstanding balance at the rate your issuer sets.
- Credit limit: A steady repayment record can help when you ask your issuer for a higher limit.
With Bajaj Pay Bharat Connect on Bajaj Finance, you can pay credit card bill online before the due date.
Benefits of credit card bill payment online on Bajaj Finance
Bajaj Finance lets you fetch and pay your credit card bill in one place on Bajaj Pay.
Benefit Detail Where it helps Bill fetch Add your card details to fetch your bill amount Available on the app and website Payment modes UPI or debit card Choose at checkout Bajaj Pay Bharat Connect Payments run on Bharat Connect, operated by NPCI Bharat BillPay A common national bill payment network Payment notification Get notified once your payment is successful Know that your payment has gone through Card issuers ICICI Bank, SBI Card, HDFC Bank, Axis Bank and more Pay cards from several issuers in one place What is a credit card billing cycle
A credit card billing cycle is the period, usually about a month, during which your card transactions are recorded before your issuer generates a statement. The statement shows the total amount due, the minimum amount due and the payment due date, all set by your issuer. Paying the total amount due by the due date avoids interest, while paying only the minimum carries the rest forward with interest. To pay credit card bill online, complete your credit card bill payment online on Bajaj Pay through the Bajaj Finance app or website.
How to manage your credit card bill better
Four habits make your credit card bill payment easier and help protect your CIBIL score.
- Pay a few days early: Late payment charges apply only when a payment is overdue for more than 3 days under RBI rules, but paying early leaves time for processing.
- Pay the full amount: Paying only the minimum due carries the rest forward with interest at your issuer’s rate.
- Keep your balance low: Using a large share of your credit limit can weigh on your CIBIL score.
- Track each due date: Note the due date on every statement and pay credit card bill online on Bajaj Finance before it.
How paying your credit card bill on time affects your CIBIL score
Your credit card bill payment record feeds into your CIBIL score: on-time payments help build it, while late or missed payments can lower it. Under RBI rules effective January 2025, lenders report credit data to credit bureaus such as TransUnion CIBIL every 15 days, so a missed payment can show up quickly. You can pay credit card bill online on Bajaj Finance through Bajaj Pay Bharat Connect before each due date.
Conclusion
In conclusion, credit cards have made payments easier by offering decent cash limits and instant transfers. Paying credit card bill on time is very important and recommended to avoid late fee being levied on the bill.
The Bharat Connect platform on Bajaj Finance makes it further easier to make your credit card payments in a simple, secure, and convenient way.
How to make credit card bill payment online on Bajaj Finance platforms
You can make an online credit card payment on the Bajaj Finance app or website, paying with UPI or a debit card.
On the Bajaj Finance app
- Download the Bajaj Finance app from the Google Play Store or App Store and install it on your device
- Open the app, log in, or register if you are a new user
- Scroll down to the ‘Bills and recharges’ section and click on ‘View all’
- Tap on ‘CREDIT CARD BILL’
- Select your credit card provider by clicking on ‘Add card’
- Enter the required details and click on ‘PROCEED’
- Your bill amount will appear, click on ‘PROCEED TO PAY’
- Select your mode of payment like UPI or Debit Card and tap on ‘PAY’
- Once you have completed the transaction, you will get notified that the payment was successful
On the Bajaj Finance website
- Go to the Bajaj Finance website
- Scroll down to the ‘Bills and recharges’ section and click on ‘View all’
- Tap on ‘CREDIT CARD BILL’
- Select your credit card provider
- Enter the required details and click on ‘FETCH YOUR BILL’
- Your bill amount will appear, click on ‘PROCEED TO PAY’
- Select your mode of payment like UPI or Debit Card and tap on ‘PAY’
- Once you have completed the transaction, you will get notified that the payment was successful
Log in to the Bajaj Finance app or website to pay your next card bill.
Credit card billers across India
Bajaj Finance also allows you to pay credit card bill for providers such as:
Frequently asked questions
Make your credit card bill payment for the total amount due on or before the due date shown on your statement, ideally a few days early to allow for processing. If you cannot pay in full, pay at least the minimum amount due to avoid late payment charges, though interest still applies on the unpaid balance at your issuer’s rate.
Yes, you can pay credit card bill online before your statement is generated, either in part or in full. An early payment lowers the balance reported on your statement, which keeps your credit utilisation down and can support your CIBIL score. Any amount you pay early is adjusted against your next bill.
The billed amount on the credit card is the sum of all the payments that are made using the card from the given billing cycle plus past dues, if any. It can also include cash withdrawals if the credit card supports that feature.
For credit card bill payment on Bajaj Finance, you pay through Bajaj Pay Bharat Connect, which runs on Bharat Connect, operated by NPCI Bharat BillPay. You log in to your Bajaj Finance account and get notified once each payment is successful. Never share your OTP or card details with anyone over calls or SMS.
Yes, credit cards are billed and paid monthly.
You can pay your credit card partly or fully, depending on your preference. However, it is advisable to pay credit card bill in full to avoid interest and late payment charges.
You should pay your credit card bill before its due date. Nevertheless, when your credit utilization reaches nearly 30%, it is advisable to pay the bill irrespective of the due date.
Yes, Bajaj Finance also provides other bill payment services such as:
- Postpaid bill payment
- Broadband bill payment
- Education fee payment
- Landline bill payment
- Electricity bill - UPPCL, NBPDCL, TNEB, and more
The minimum payment on a credit card is the smallest amount you must pay by the due date to avoid late fees.
It's typically a percentage of your total outstanding balance, plus any applicable fees or interest.
However, paying only the minimum amount will result in paying interest on the remaining balance, which can significantly increase your overall cost.
Yes, you can only pay the minimum on your credit card bill. But it is not ideal. You will accrue interest and take longer to pay it off. Try to pay in full whenever possible to avoid extra charges.
To make an online credit card payment on Bajaj Finance, you need your mobile number to log in, your card issuer’s name, the card details requested on the ‘Add card’ screen and a payment mode, either UPI or a debit card. Keep your latest card statement handy so you can check the bill amount before you pay.
