The Complete Guide to Understand Credit Card Online Payment


Credit card companies provide you with both offline and online methods to pay the bills. The offline procedure involves visiting your nearest branch and paying with either cash or cheque. This process may involve considerable hassle for some. Plus, you may also have to pay a convenience fee when you make cash payments.

Hence, the online credit card payment method is the most preferable for many. The online process saves you time and is significantly quicker than the offline alternative. Financial institutions allow various online payment methods to pay a credit card bill.

These include:

Internet banking

You can avail an internet banking option to pay your debt, provided that both your credit card and account are with the same lending institution.

The internet banking procedure for credit card bill payment differs with financial institutions.

Some of the general steps involved are:

  1. Log in to your account with username/account ID and password.

  2. Click on the “Cards” tab.

You may have to select the credit card whose bill you want to pay if you hold multiple cards.

  1. Click on “Pay Credit Card Bill”.

  2. Select your account.

Choose the account from which you want to make the payment in case you have multiple accounts.

  1. Enter the amount you want to pay.

  2. Click “Submit.”

You may have to confirm your payment details in the next step. Continuing the process will automatically debit funds from your account for your online credit card payment.


Credit card companies also provide the option to pay your bill from an account with another financial institution via the net banking procedure. This method involves paying through NEFT.

Some general steps include:

  1. Log in to your account with username/account ID and password.

  2. Head over to the “Fund Transfer” section.

  3. Select “NEFT”.

  4. Provide the necessary details.

You will have to provide information like:

  • Payee name

  • Payee account number

  • Financial institution name

  • IFSC code

  • Branch location

  1. Click “Submit”

You may have to confirm the payment details. Proceeding to the next step will transfer funds from your account and clear off your credit card statement.

Do consider the following points before using NEFT for your credit card bill payment:

  • This facility is available only on working days between 8 AM and 7 PM.

  • Your payment will be credited the next working day if made after the working hours.

  • Some companies take up to 2 working days to process the payment.

Official app

The majority of lending institutions now have an official app that lets you access your account.

You can:

  • Use the official app of your credit card company to pay the debt via internet banking.

  • Use the official app of your account with another financial institution to pay the bill via NEFT.

Dedicated website

Many financial companies have dedicated websites for an online credit card payment. Your monthly credit card statement generally contains QR codes. Scanning this code with your smartphone will direct you to the dedicated website of your lender.

NBFCs like Bajaj Finserv provide this facility of paying your credit card bill online. You can pay your Bajaj Finserv RBL Bank SuperCard bill by following these steps:

  1. Provide the necessary information

You have to enter the following:

  • Credit card number

  • Email

  • Mobile number

  • Payment amount

  1. Select the payment option

You can choose between debit card and net banking.

  1. Choose the financial institution

You get the option to select from a list of lenders.

  1. Click on “Submit”

  2. Provide your debit card or internet banking details

  3. Click “Submit”

The page may ask you to confirm your payment details. After proceeding, you will successfully pay your credit card statement.

Other payment methods

Companies like Bajaj Finserv also provide NACH facility for their credit card payments. This facility enables you to link your existing account with the Bajaj Finserv RBL Bank SuperCard.

Furthermore, Bajaj Finserv provides pre-approved offers that make it easier to avail these finances and save you time. Pre-approved offers also come with home loans, business loans, personal loans, and an array of other financial products and services. You only have to provide your name and phone to check your pre-approved offer.

These are the most convenient ways you can make an online credit card payment. Pay your credit card bill, preferably the maximum amount as mentioned, within the payment due date. Stay clear from high rates of interest and late payment fees. Above all, avail a credit card from a reputed financial institution which offers additional features and attractive benefits along with a substantial credit limit.


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