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How to Pay your Credit Card Bill Conveniently

The best credit cards in India, like Bajaj Finserv RBL SuperCard, offer most of these payment facilities keeping your convenience in mind.

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Here’s a snapshot of how you can pay your credit card bills with ease.

While you can use a credit card to pay for an array of needs and requirements in a simple swipe or click, you can pay your credit card bill conveniently too. Issuers offer a range of online and offline payment options to make it easier for you to clear your dues and enjoy the perks of credit cards hassle-free. Here’s a snapshot of how you can pay your credit card bills with ease.

 

  1. Online modes of credit card bill payment

     You can choose to pay your credit card bill online to save on time and energy. Here are the most popular ways.

 

  • Through net banking

 


You can make your credit card bill payment via net banking after registering yourself for this service. By linking a credit card to your net banking account, you can pay your credit card bills in just a click every month. In this case, your credit card account becomes a beneficiary in your account. For added security, you can set a maximum cap for the transactions based on your average monthly bills. This ensures that no fraudulent transactions are carried out.

 

 

  • Through mobile banking or via an app

 


You can also use your bank’s mobile banking app to pay your credit card bill. You just have to install the app on your device and log into the app. Your linked credit card account is protected with high security and hence, you can pay using this mode through your savings or current account without worrying about cyber theft. Conversely, you can also add your issuer’s app to your smartphone and pay via their bill desk directly.

 

 

  • Through the NACH facility

 


If paying your credit card bill every month is a hassle for you, the best way is to register yourself for the NACH facility. Submit the NACH form to the credit card issuer to link your existing savings or credit account with the credit card and make automated bill payments on a monthly basis.

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Your linked credit card account is protected with high security and hence, you can pay using this mode through your savings or current account without worrying about cyber theft. Pixabay

 

  • Through NEFT

 


If you want to pay your credit card bill from an account that you hold with another financial institution, you can do it through NEFT. Just remember that any payments that you make after business hours of the financial institution are credited on the next business day.

 

 

  • Through bill desk

 


You can go to the issuer’s website and use their bill desk to pay your credit card bill. You just have to fill out the requested details like your name, your credit card number and the bill amount. Next, you will be redirected to the issuer’s net banking portal where you can complete your bill payment. If your transaction is successful, you will receive a confirmation and a transaction reference number, which you should save for future reference.

 

  1. Offline modes of credit card bill payment

 

You can also pay your credit card bill offline through the modes listed below.

 

 

  • Through cash

 


To pay your credit card bills in cash, visit the nearest issuer’s branch and proceed with the payment procedure. However, when you pay by cash you’ll usually have to pay a processing fee per credit card bill payment to the issuer.

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If your transaction is successful, you will receive a confirmation and a transaction reference number, which you should save for future reference. Pixabay

 

  • Cheque payment

 


If you want to pay your credit card bill using cheques, visit your nearest issuer’s branch and drop off the cheque with your credit card number and other details on it. You can also drop cheques at your issuer’s drop box at various registered locations.

Cheque payments need 3 working days to be cleared. So, if you are paying your bills by cheque then pay it at least 3-4 ahead of your due date. This will ensure that your payment reflects within the due date so that you avoid a penalty on your next bill.

 

 

  • Through ATMs

 

 

You can pay your credit card bills via any of the nearest ATMs of the bank where you hold an account. The benefit of using this mode of offline payment is that it is available to you 24/7.

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The best credit cards in India, like Bajaj Finserv RBL SuperCard, offer most of these payment facilities keeping your convenience in mind. For example, you can easily pay your SuperCard bill by using the RBL MyCard App. Other than making credit card payments, you can also manage your credit card account, keep a tab on your transactions, and even download the monthly credit card statements using this app.

 

Moreover, if you use a SuperCard, you can also enjoy other benefits like interest-free cash withdrawal from your credit limit for up to 50 days, interest-free emergency loans from your credit limit for up to 50 days and conversion of purchases above Rs.3,000 into 3 easy EMIs. To enjoy all these benefits, check out the pre-approved offers from Bajaj Finserv to speed up your application and avail instant credit. 

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Tips to Make the Most of your Amazon Pay ICICI Credit Card

As per the terms and conditions, the buyer must consider the Amazon pay balance while calculating the amount of cashback he gets

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It will be the best move for you to turn into a Prime member of Amazon and use the card to save much money. Pixabay

The ICICI Bank delivers a few premium credit cards to the deserving customers. Among them, the Amazon Pay ICICI credit card has explicit prominency. ICICI Bank has collaborated with Amazon to provide the customers with attractive discounts and cashback on purchases made from Amazon. There are a number of benefits that you can enjoy being a cardholder of the Amazon Pay ICICI credit card. Along with the benefits, the tips are also mentioned here in details.

Benefits and Tips on Payment on Amazon Purchases

There are several benefits on payments that you can enjoy during each Amazon purchase. These are discussed below in details:

Use the Cashback Rewards

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There are several benefits on payments that you can enjoy during each Amazon purchase. Flickr

There are mainly two types of Amazon customers, Prime and Non-Prime. The aforesaid credit card provides 3% cashback for the Non-Prime Amazon customers while a 5% cashback is delivered to the Prime customers of Amazon on each purchase. It will be the best move for you to turn into a Prime member of Amazon and use the card to save much money.

As per the terms and conditions, the buyer must consider the Amazon pay balance while calculating the amount of cashback he gets against the purchase made with the credit card. So, it is always advisable to go through the terms and conditions of Amazon Pay thoroughly.

Try Collecting Cashback Rewards on Partner Merchants

The ICICI bank customers who hold the Amazon Pay credit card issued by the bank can get 2% cashback on all purchases done using Amazon Pay merchants. You can access more than 100 Amazon Pay merchants while buying any product from the e-commerce site. Try to shop from the Amazon Pay merchants more to make the most usage of the Amazon Pay ICICI credit card. Also, make sure the terms and conditions are necessarily followed.

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Enjoy Cashback on Every Purchase

Apart from the Amazon purchases, all the customers can get 1% cashback on all purchases irrespective of being a Prime of Non-Prime customer. Thus, a customer can enjoy exciting shopping sessions every time while holding the credit card mentioned above. The best move you can take is to shop from Amazon during the festive seasons. As you buy different things using your credit card during the festive seasons, you might get the opportunity to save hefty amounts of money. 

Take the Fuel and Dining Rewards

Since it is a premium card from ICICI Bank, you can get fuel and dining rewards while holding the card that is discussed here. You can get up to 15% discount on your regular dining bills. Furthermore, in terms of fuel charges, you can get a 1% discount on fuel surcharge on refuelling. Hence, you can use the Amazon Pay ICICI credit card while paying the bills and regular refuelling of your car and can enjoy discounts at the same time.

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The aforesaid credit card provides 3% cashback for the Non-Prime Amazon customers. Flickr

Take Advantage of No Earning Expiries

As the credit card mentioned above provides cashback rewards, a common thing that can relate to it is the expiry date. The users of the ICICI Bank Amazon Pay credit card can use the cash back rewards anytime as there is no expiry date. Moreover, there is no maximum limit on your reward earnings. So, once you take this card, you can use the rewards anytime without any fret of expiry.

Provide No Joining and Annual Charges

ICICI Bank does not charge any joining or annual fee on the Amazon Pay credit card. So, you can comfortably use it without hassles once it is approved for you. Basically, the absence of the joining and the annual charges minimizes your expenditure of owning a well-rewarding credit card. Since there is no minimum spend limit, your expenses will always be in tandem with your needs. 

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Utilize the Ultimate Security Measures of the Credit Card

ICICI Bank delivers its customers optimum security when it comes to a credit card. The technology of embedded microchip could restrict the frauds to use your credit card even if it lost. Additionally, it brings down the chances of credit card duplication. You can approach the issuer bank to ensure that all the security measures are installed correctly in your credit card.

If you by chance, forget your PIN card, contact the nearest ICICI Bank branch informing the bank professionals about your problem. They can help you while executing the necessary procedures to re-issue a new PIN for you.

Hence, these are some useful tips that you can follow to enjoy the outstanding benefits given by the Amazon Pay ICICI Bank credit card. Nevertheless, you must also satisfy all the requirements of the bank to get a premium card like this. No random customers can approach for the Amazon Pay ICICI credit card. You can only get it if the bank invites you as an eligible customer. 

The key criterion that might elevate the chances for you to get this card is already owning ICICI credit card. Furthermore, your financial history should be good. Before inviting you to apply for a credit card, the bank checks your credit score minutely. You might keep minimum expectations to get this card if you don’t own a credit card already. Even if you have a savings bank account in ICICI Bank with a lump sum principal, the bank might not deliver you the Amazon Pay card if you do not own a credit card. 

A customer is only advised to accept the invitation of the bank only if he is into online shopping. Nonetheless, this caution is common for all credit cards. Frequent purchases from Amazon with the credit card must be made with care. You should always check the credit limit granted to you by the bank. Avoid making any online purchase from Amazon that goes near your credit limit. It can restrict your chances of further purchases from Amazon. Make sure you gather authentic information about the penalty charges from the official website of the ICICI Bank. The penalty charges can be levied on you in case of any failure in repayment of outstanding bills.