2 min read
10 November 2023

Owing to digitalisation in the financial sphere, paying credit card bills has become much simpler and easier these days. In fact, more than 75% of financial transactions in India at present are carried out using online payment systems. NACH is one of the most prominent of the lot. Launched by the National Payment Corporation of India (NPCI), the National Automated Clearing House (NACH) is a centralised web-based payment solution that facilitates interbank electronic transfers for large payments in a seamless manner. This method has become a must for financial institutions, the corporate sector, and government.

Unlike other online payment methods, NACH allows you to pay bigger amounts with ease. That’s why financial institutions and the Indian Government use this facility for both credit and debit purposes. They employ this method for dividend, salary, subsidies, and pensions. Moreover, you can carry out the payment of utility bills, EMIs, SIP investments, credit card bills, and so on using this effective method.

Before making a credit card bill payment using the NACH facility, take a look at some pointers about the facility in detail.


NACH is regulated by the NPCI, an organisation set up and supervised by the RBI. NPCI aims at facilitating the Retail Payment System for the public sector, private sector, and government financial institutions in India. In fact, the NPCI is promoted by ten major banks, namely, SBI, ICICI, HDFC, Union Bank of India, HSBC, Bank of Baroda, Canara Bank, Punjab National Bank, Bank of India, and Citibank. With such strong backing, you can be assured about the safety of your NACH transactions.


In case your busy schedule makes you forgetful about your credit card bill payment, then NACH is your best bet. This is because it facilitates recurring payments that eliminate the need to initiate credit card payments via other modes on a monthly basis. Once you set a NACH mandate for your credit card, your payments are taken care of until a specific date as per your instructions. To this effect, every month an amount you choose is deducted from your bank account and paid towards your credit card bills.

NACH OTM mandate

This is a onetime mandate form that you are required to fill to set NACH for your credit card. This form gives your credit card issuer the authority to deduct amounts from your bank account on a recurring basis. Following are the details that you need to fill:

  • Your bank details like bank’s name and branch, your account number, and the bank’s IFSC/ MICR Code
  • Your personal details like email id, mobile number, and signature, as appearing in your bank
  • Folio details like folio and application number
  • The duration for which you wish to avail the facility

NACH registration

Typically, a NACH registration takes 10 to 15 days. Follow these 3 easy steps to set NACH payment for your credit card:

Download and print the NACH form.

Choose any of the following deduction options as per your financial standing.

  1. Total credit card bill amount
  2. Minimum payment amount
  3. Any other fixed amount irrespective of the above

Submit the duly filled form with a cancelled cheque to your bank, to initiate the registration process.

Other features

  • Your NACH application can be rejected if you provide incorrect details. A typo or wrong bank account number or folio number can certainly be a cause of rejection
  • It can also be rejected if your bank is not eligible for NACH
  • You can easily opt out of NACH by submitting the cancellation form, stating the reason for your decision
  • By default any NACH mandate in action is effective till 31/12/2099
  • You can also alter your chosen amount for deduction anytime, as per your discretion

Alternatively, you can also make your credit card payment through your issuer’s mobile application. For instance, Bajaj Finserv allows you to pay the Bajaj Finserv RBL Bank Credit Card bill via the RBL MyCard application. This mode of payment is very convenient and you can pay your bill in just one click. Moreover, you can use this app to keep track of your credit card transactions, view your statement, and break your eligible transactions into EMIs. Thus, you have all the credit card information in one place. To benefit from this app, register via SMS by sending ‘MyCard’ to 5607011 or download it from the Google Play Store or the App Store.

If you are looking for the best credit card in India , apply for the SuperCard right now. This card offers generous reward points of up to 20,000 as welcome gift. Further, you can also carry out interest-free ATM withdrawals for up to 50-days, borrow an emergency loan from your available credit limit, and convert your purchases of Rs.3,000 and above into EMIs. It offers perks like reward points on every transaction and other exciting offers and deals. To view your tailor-made deal and enjoy a one-step, hassle-free approval, check your pre-approved SuperCard offer and get started!

While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. In case any inconsistencies observed, please click on reach us.

*Terms and conditions apply