We all know that when we pay our credit card bill on time, we get some benefits. After all, it is extremely necessary to maintain a good credit score. Moreover, you avoid unnecessary charges as well. But many users aren’t aware of how to make credit card bill payments. Wait, are you someone not aware of the same? If so, this article will help you.
In simpler words, RBL Bank offers multiple convenient methods to make this process smooth. Whether you prefer online or offline payment modes, RBL Bank ensures that you have multiple options at your disposal. So, are you ready to get into the details? If yes, go on reading.
How to Pay Your Credit Card Bill Online
With RBL Bank, you get multiple options for your credit card bill payment. The best part is, each method is convenient, secure, and fast.
Here’s a detailed guide on how to use these methods.
1. Net Banking
It is among the easiest credit card bill payment methods. Here’s how you can do it:
- Access your RBL Bank net banking account using your user ID and password.
- Go to the ‘Credit Card’ section and select ‘Bill Payment.’
- Input your 16-digit RBL Bank credit card number and the bill amount.
- Review the details and confirm the payment.
- Save the transaction receipt for your records.
2. Debit Card
You can also use a debit card to settle your credit card bill. Follow these steps:
- Go to the RBL Bank official website.
- Choose the ‘Debit Card’ option under the credit card payment section.
- Fill in your credit card number, the amount due, and your debit card details.
- Complete the transaction by entering the OTP sent to your registered mobile number.
- Note the transaction confirmation for future reference.
3. UPI, or Unified Payments Interface
UPI is another quick method to pay your credit card bill. Here’s how you can use it:
- Launch your preferred UPI app (e.g., Google Pay, PhonePe).
- Add RBL Bank credit card as a payee using the UPI ID provided.
- Input your 16-digit credit card number and the amount you wish to pay.
- Approve the payment using your UPI PIN.
- The payment will be processed, and you will receive a confirmation message.
4. NEFT, or National Electronic Funds Transfer
NEFT is also a reliable online method for paying your credit card bill. Here’s the process:
- Log in to your bank’s net banking portal and add your RBL Bank credit card as a beneficiary using the following details:
- Account Number
- Your 16-digit credit card number
- IFSC Code
- Bank Name
- Branch
- Once the beneficiary is added, enter the amount you wish to pay and initiate the transfer.
- Review and confirm the details to complete the transaction.
- Save the transaction receipt for your records.
5. Mobile Banking
Last but not least, Mobile banking with the RBL MyCard app offers a great way to handle your RBL Bank credit card. Here’s how to get started:
- Install RBL MyCard from the Google Play Store (Android) or the App Store (iOS).
- Enter your username and password to access your account.
- View your credit card statements, check balances, and monitor transactions.
- Navigate to the payment section within the app to settle your credit card bill conveniently.
Overall, by choosing any of these online payment methods, you can ensure that your RBL Bank credit card bill is paid on time. This then maintains your credit score and avoids late fees.
Ways To Make Credit Card Bill Payment Offline
There are users who do not have access to online payment facilities. But fret not, as RBL Bank offers offline payment options as well. These methods can be completed at any RBL Bank branch.
#1. NACH, or National Automated Clearing House
NACH simplifies credit card bill payments by enabling automated deductions from your bank account. Start by downloading the mandate form from RBL Bank’s website. Fill it out with your bank and credit card details, then submit it to your nearest RBL Bank branch. After verification, RBL Bank sets up the automatic debit. Your credit card bill will be deducted from your account on a specified date every month, ensuring timely payments without manual effort.
#2. Cash
You can pay your credit card bill in cash at any RBL Bank branch. Simply visit the branch, fill out a credit card payment slip, and submit it along with the cash at the counter. Keep the receipt for future reference.
#3. Cheque
Lastly, to pay by cheque, write a cheque in favor of your RBL Bank credit card number. Include your 16-digit credit card number in the payee line. Drop the cheque at any RBL Bank branch or designated dropbox. Ensure that you write your contact details on the reverse side of the cheque for verification.
Perks of Timely Credit Card Bill Payment
Paying your RBL Bank credit card bill on time offers several benefits. Here are some perks of timely credit card bill payment:
- Maintaining a Good Credit Score: Timely payments contribute significantly to maintaining a good credit score. This, in turn, enhances your chances of getting approved for future loans or credit cards at favorable terms.
- Avoiding Late Fees: Paying your credit card bill by the due date helps you avoid late payment fees and penalties. These fees can add up quickly and increase your overall debt burden.
- Improving Creditworthiness: Beyond your credit score, timely payments improve your overall creditworthiness. This can lead to better terms on loans, lower interest rates, and higher credit limits in the future.
- Building Trust with the Bank: Regularly paying your credit card bill on time builds trust and a positive relationship with RBL Bank. It shows your reliability as a customer and may lead to preferential treatment in terms of customer service and offers.
- Peace of Mind: Definitely, timely bill payment gives peace of mind. You avoid the stress and inconvenience of dealing with overdue bills, collection calls, and potential negative impacts on your credit profile.
Conclusion:
Ultimately, thanks to RBL Bank’s credit card bill payment flexibility, it is no longer a challenging task for users. Whether you prefer the speed of online methods or the traditional offline methods, RBL Bank has got you covered. Thus, choose the method that best suits your needs and enjoy a hassle-free payment experience with RBL Bank. Hope this article helps.