Pay rent using a credit card

Know more about the benefits of paying your rent with a credit card.
Pay rent using a credit card
3 min

How to pay your rent using a credit card

Paying rent through online banking options such as NEFT, RTGS, or UPI has gained popularity in recent years. However, none of these options offer you the flexibility of borrow now and pay later. On the other hand, if you choose to pay your rent using the Bajaj Finserv co-brand credit card, the entire amount can be included in your monthly credit card bill.

Rent is one of the most significant monthly expenditures and paying it with a credit card has its own set of advantages. Especially during a financial situation where you may be going through a cash shortage.

How to pay rent using the Bajaj Finserv co-brand credit card

You can easily pay your rent using a credit card. The process is extremely simple and customer friendly.

Via merchants:

  • Open the merchant/ partner app such as Magicbricks/ CRED/ NoBroker
  • Register for rent payment
  • Add your landlord’s account details such as the account name, account number, bank account type, and IFSC
  • Add your Bajaj Finserv RBL Bank SuperCard/ Bajaj Finserv DBS Bank Credit Card on the app
  • Enter your PIN to verify the transaction and pay your rent using the credit card

Via UPI:

  • Enter your landlord’s bank account number, IFSC, and account name
  • Enter your rent amount
  • Select your preferred credit card and enter your UPI PIN

Advantages of paying rent with a credit card

  • Improved credit score
    Utilising your credit limit for huge financial transactions and repaying the bill amount on due time can improve your credit score. An improved credit score positively impacts your eligibility when opting for a loan.
  • Earn reward points
    Making payments such as rent through your credit card will also unlock several perks such as cashback offers, reward points, and a free credit period (depending on the platform) in which you are not required to pay any interest.
    Read more about our credit cards
  • Annual fee waiver
    Paying your rent using a credit card can help you achieve your annual spending milestone. This can help you in saving on the card’s annual fee. For example, if you pay your monthly rent using the Bajaj Finserv RBL Bank Binge SuperCard and reach the annual spend limit of Rs. 1,00,000, you can save on the annual fee of Rs. 999.
    Know more about the Bajaj Finserv RBL Bank Binge SuperCard
  • Maintain your rent payment schedule
    Paying rent using a credit card can be beneficial when you are dealing with a fund shortage. Moreover, you can comfortably pay the credit card bill later.

Factors to consider before paying the rent with a credit card

Here’s what you need to know before using a credit card to transfer your rent:

  • Credit card interest
    Credit card companies/ banks charge interest on expenses made through credit cards. Therefore, despite the free credit period many platforms offer, you should utilise the credit limit as low as possible to pay your credit card bill conveniently.
    How to pay your credit card bill
  • Processing/ Transaction fee
    There is a minimal transaction fee for all rent payments through credit cards. However, it is generally a minimum amount that may vary slightly for different banks. 
  • Credit utilisation ratio and credit score
    You must keep your credit utilisation ratio in check when paying the rent with a credit card. Exceeding your credit limit to a large extent may reduce your credit score. Always stay in a 30% utilisation limit.

Apply for a credit card


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Frequently asked questions

What is the maximum amount that can be transferred for paying the rent with a credit card?

The maximum amount for rent payment through a credit card depends on your credit limit.

Will my credit score be impacted in case I pay the rent using a credit card?

Yes, but only in a positive manner. Paying rent using your credit card can improve your credit score if you repay your bills on time. Delaying in paying your credit card due amount can reduce your credit score.

Learn more about the minimum amount due on a credit card

Can I earn rewards and bonuses by paying the rent using a credit card?

Paying rent through card counts as an expense, and depending on your credit card, you are eligible to earn various rewards and cashback benefits.

Will banks levy a processing fee to pay the rent through a credit card?

Banks may or may not charge a processing fee when you pay rent using a credit card. Any charge applied depends on your card variant and merchant platform.

Is it recommended to pay rent from a credit card?

Yes, you can use your credit card to pay your monthly rent. Paying rent from a credit card can help you increase your credit score and earn reward points,

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