Pay Credit Card Bills using UPI or Debit Card

Credit cards are one of the best modes of postpaid payment, if used with proper financial planning and timely payments. It is an essential tool for beginners in the finance market who are looking to build a good CIBIL score. With credit card, you can make payments using the card’s limit and pay the bill after the completion of the billing cycle (usually, the billing cycle is a month). If you pay your bills on time every month, you don’t have to pay any interest charges, or late fees. And your CIBIL score will improve.

An improved CIBIL score makes you eligible for further big value loans like House Loans, personal loans, education loans, etc. It builds up your credibility with the banking institution. Therefore, you should always pay your credit card bill on time religiously to benefit in the future. A bad repayment history for a credit card can really land you in a sticky situation. If you are wondering how to pay your credit card bill easily every month, let us help you!

You can pay your credit card bill using multiple methods like NEFT, IMPS, net banking, UPI payment, etc. We will be discussing 2 different methods here.

Credit card bill payment through UPI and Debit card

Both the payment channels are very convenient to pay your credit card bill. Let’s understand each in detail.

Pay your Credit card through any UPI

As you know, UPI has really simplified online payment system. Now, it can be used to pay your credit card bill too.

Most of the leading banks offer UPI as a payment mode in their apps. You just need to download the bank’s mobile application, go for UPI payment, enter relevant details, and make the payment from your UPI app. It is that easy.

You can also use apps like PhonePe, Paytm, Google Pay, etc., to pay your credit card bill.

Steps involved: Google Pay

• Download the Gpay or Google Pay app on your phone. Register with your number.
• Link your bank account here and create your UPI ID.
• Now find the ‘Pay Bills’ option and click on it.
• Tap on ‘Credit Card Bill payment’.
• You can select your bank from the drop down menu. Post that, you will have to link your credit card here.
• Now you can pay your credit card bill using Gpay.

Steps involved: PhonePe

• Download the PhonePe app for credit card payment through UPI.
• On Home page, under Recharge & Pay bills, find Credit Card bill quick link. Tap on it.
• Now all you have to do is link your credit card here.
• Once you have linked your credit card, you can proceed with the payment.
• The money will be deducted from the savings account which is linked with your UPI account.

You can check other UPI apps for similar ways to pay your credit card bill.

Use debit card to pay your credit card bill

Very few banks have the option to pay your credit card bill using the debit card details. Although, you can pay the bill using the savings bank account which is linked to your debit card.

In case, you want to pay your credit card bill offline using the debit card, you can do so by using an ATM.

Note: You need to have a debit card of the same bank as your credit card issuer.

Go to the ATM of your bank, after entering your PIN etc., you will get the option to pay your credit card bill. Tap on it. Enter the amount you want to pay and proceed. The money will be deducted from your debit card linked savings account.

Before going ahead with the transaction, check your account balance to ensure there are sufficient funds for the bill payment.

And voila! Paying your credit card bill is that easy!

Benefits of paying your credit card bill through UPI

• Pay your bills from the comfort of your home
• Instant and easy payment
• Secure payment channels, thanks to authentication steps of OTP, MPIN, alerts, etc
• Easy to check previous payments and keep track of your payment history
• Enjoy features like Auto-debit of bill every month in a hassle-free manner
• More control over bill payment process: To be paid in full or in EMIs (minimum amount)
• Environment friendly because its paperless!
• Set up reminders in UPI apps to pay your bills on time
• Helps in avoiding late fees and dropped CIBIL score

Now that you know how to pay your credit card bill through UPI and debit card, pick up your credit card today, link it with any of the BHIM UPI apps, and clear all your dues in one go!