How To Pay Credit Card Bills Using UPI?

Just like you can recharge your mobile phone or pay your electricity/water/DTH bills, etc. you can now pay your credit card bills using UPI on the Paytm app as well.

Sounds great?

Read on to know how easy it is and get more excited about using your credit card for any transactions!

Pay Credit Card Bills Using UPI on Paytm

Paying your credit card bill using UPI on the Paytm app is quite a simple and convenient process. Listed below are the steps that you need to take to pay credit card bill using UPI-

  • Open the Paytm app on your mobile phone
  • Click on ‘All Services’ option available on the home screen
  • On the next screen, click on the option to ‘Recharge & Pay Bills’ in the left side bar
  • Next, click on ‘Pay Credit Card Bill’
  • A pop up to ‘Enable Reminders’ for timely credit card bill payment will appear on your screen. You either choose to enable these reminders so that you don’t miss out on any payment or close this option by clicking on the ‘X’ icon
  • Now, you will be able to see the details of your credit card saved on the Paytm app
  • On this digital credit card, click on the ‘Pay Bill’ highlighted in the color of blue
  • Now, enter the bill amount and click on ‘Proceed’
  • You will now receive an OTP on the linked mobile number
  • Enter the OTP and authenticate the transaction
  • Your credit card bill will be paid in a few minutes and you will be notified accordingly!

Other Online Ways to Pay Credit Card Bills

There are various other online ways to pay credit card bills on Paytm-

Internet Banking

One of the simplest and most widely used methods, internet banking allows you to pay your credit card bills at any time, and from anywhere. All you need to do is follow these steps-

  • Log in to your net banking account
  • Click on ‘Credit Card’ option
  • Next, click on ‘Register New Card’, enter your credit card details and click on ‘Submit’ (Note that you need to do this step only if you are paying through internet banking for the first time)
  • Click on ‘Transact’ option and select your registered card
  • Select the mode of payment and click on ‘Confirm’ to complete the process

NEFT

NEFT allows its users to make credit card bill payments for any other bank’s net banking account. Using this method, you can easily transfer money from your savings account to your credit card account at the comfort of your home. Before you pay using NEFT, you need to add the receiver as a beneficiary, post which, you need to follow these steps-

  • Log in to your online banking account
  • Click on ‘Funds Transfer’ option
  • Look out for ‘Transfer to other bank’ and click on it
  • Select your credit card account and beneficiary
  • Enter the required details and accept the ‘Terms and Conditions’
  • Re-check all the details and click on ‘Confirm’ to make the payment

IMPS

IMPS stands for Immediate Payment Service. As it is evident, IMPS enable instant payment/funds transfer. To make your credit card bill payment through IMPS, follow these steps-

  • Log in to the mobile banking application of your account using your login credentials
  • Click on the ‘Bank Account’ option and then select ‘IMPS’
  • Choose the ‘Merchant Payment’ button
  • Provide the required information such as MMID, contact number of the biller, along with your bank account details from which the funds are supposed to be transferred, credit card number and the billing amount
  • After entering the details, click on ‘Confirm’ to make the payment

BillDesk

BillDesk is an online payment system that allows you to make credit card bill payments even without having an online account. For customers who don’t have the internet banking facility, banks offer BillDesk as a feature to make their credit card bill payments easier.

  • To make payment through BillDesk, you need to visit the payment page on your bank’s website
  • Out of the list, find whether or not your bank allows credit card bill payment through BillDesk
  • If it does, you need to select your bank
  • Enter details like your credit card number, email address, and bill amount
  • Select the bank account from which you want to make the payment
  • Click on ‘Pay’ to complete the payment

Auto Debit Feature

The auto-debit facility is one of the safest options to make credit card bill payment. This feature eliminates the risk of missing out on any credit card payment as it automatically deducts money from your linked account and pays your credit card bill before the due date (Here’s why!). If you have a net banking account, you can easily register for ‘Auto Debit’ feature and never worry about your credit card bill payment.

  • Log in to your net banking account to register for the auto-debit facility
  • Visit the ‘Credit Card’ section
  • Look out for ‘Auto-Debit’ feature
  • Click on ‘Enable’ once you locate it
  • Select whether you want to pay only the minimum amount due or the total bill amount in full
  • Set a maximum amount limit for auto debit (if asked)
  • Click on ‘Confirm’ to enable auto debit
  • The amount will be deducted from your selected bank account every month, on the due date as per the instructions set by you

Paytm Wallet

With the recent developments in the online financial industry, various mobile wallets and online payment systems have started offering credit card bill payment options on their platforms. Paytm is one such mobile wallet that lets you make your credit card bill payment by following a few, easy steps which hardly take a few minutes of your time. All you need to do is follow these simple steps-

  • Download a mobile payment application like Paytm on your mobile phone
  • Note that you don’t need to register separately to make the credit card bill payment
  • Simply log in to the application using your credentials
  • Link the mobile application to your debit card or your savings account, with which you wish to make the payment of your credit card bill
  • Recharge your mobile wallet and enter your credit card details
  • Enter the bill amount and click on ‘Pay’ to complete the transaction

Benefits of Making Online Credit Card Bill Payment

While there are various offline methods to make credit card bill payment, there are multiple reasons as to why you should pay your bill online. Explained below are some of them-

  • Online payment of credit card bill is very quick and easy; hence, it save your time and effort to a great extent
  • You can pay your bills online at the comfort of your home; you won’t have to take out specific time for paying the bills; hence, it is convenient and comfortable
  • Online banking is secured with various steps of personal authentication such as IPIN, OTP, etc.; hence, it is quite safe and secure
  • When you make online payment of your credit card bill, all the details of your transaction get recorded and is hence, instantly available for you to keep a track of your expenses
  • Various features like ‘auto-debit’ ensure that you don’t miss out on your payments
  • You can also customize the way you want to make your payments by selecting the minimum amount due or the full amount; hence, you have more control over your transactions
  • When you make payments online, you save on a lot of paper, cheques, envelopes, stamps, receipts, etc.; hence, making your payments eco friendly

To Conclude:

Credit card bill payment becomes all the more easy when you do it online. Using Paytm’s UPI feature, you can now pay credit card bills using UPI in a few easy and simple steps. While there are multiple ways to make the credit card bill payment, paying through a mobile wallet like Paytm is the most comfortable out of all. You simply need to link your credit card account to your current Paytm mobile application and that is it. You can also set up regular reminders on Paytm for your credit card bill payment.

FAQs
How to pay credit card bills using UPI?
You can pay credit card bills using UPI on the Paytm app in a few, simple steps. All you need to do is login to the app and visit the ‘Bill Payment’ section. Follow the instructions by entering your bill amount and you’ll be done!
Is it safe to pay credit card bills using UPI?
Yes, it is absolutely safe to pay credit card bills using UPI. Every UPI transaction is authenticated for safety, wherein the user has to enter the OTP sent to his/her registered mobile number.
What are the other ways to pay credit card bills online?
You can make your credit card bill payment through various online and offline ways. Online methods include payment through mobile application, internet banking, mobile payment wallet, NEFT/RTGS, IMPS, etc. Offline methods include payment through ATMs, physical visit to the bank branch, customer care, etc.
Why should I make online payment for a credit card bill?
There are various reasons as to why you should make online payment of your credit card bill such as it saves time and effort, it is safe and secure, it is convenient, offers you enhanced control over your transactions, etc.
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