In today’s world, using a credit card is usually an unavoidable process of buying goods. And services and is also useful to maintain a healthy credit score on CIBIL. Making your online credit card payment is the fastest and easiest way for the balance. Updates to reflect n the card statement or app. Using a debit card or UPI ID is the simplest, quickest, and safe method. Moreover, these modes of payment do not cost anything extra.
The old-fashioned cash and cheque payments not only take more time and effort but can also incur processing fees of up to 250 rupees, plus additional GST charges of 18% of the amount paid. lets see below how you can make online credit card payment through UPI or other options
Let Us Look At How You Can Make Online Credit Cards Payments
Step 1 – Go to the payment link on your credit card’s app or net banking facility.
Step 2 – Check out the minimum due and total due. And decide on the amount of payment that you wish to make.
Step 3 – Select the mode of payment, which could be through your personal savings account or online payment using a UPI connected to your bank account.
Step 4 – A payment link will be auto-sent to your UPI ID. The UPI ID is usually your name follow by the bank’s name (@ok___BANK NAME.com). You’d get an alert on your mobile device to make this payment using an online payment portal.
Step 5 – Alternatively, some credit card payments pages could show you a QR code which you could simply scan with your payment app to make an immediate payment with minimum steps.
Step 6 – Authorise the payment using your payment PIN or fingerprint on your phone.
Step 7 – That’s it! Your payment should immediately reflect on your credit card limit and reflect in the statement within the next working day. If the payment has hanged, don’t worry – such payments are usually reversed in a few hours.
If you have made a payment that does not reflect in your credit card account for some reason, contact the credit card customer care number immediately to resolve the issue. Banks are usually more than happy to help facilitate all incoming payments, and 24-hour call centres cater to the customer’s needs.
To Make Credit Cards Payments Online From The Upi App, Follow These Steps:
Step 1 – Log in to the UPI app, and choose ‘Transfer Money’, then select ‘Send’
Step 2 – Choose A/C IFSC, and enter the relevant account or card details
Step 3 – Send the amount, which should be reflected in your credit card limit.
The Advantages Of Making Online Payments
There are definite advantages of making your online credit cards payment:
No additional surcharge or fees on any payment
No added GST of 18%
The credit limit on your credit cards is reallotted with immediate effect
Your credit cards statement reflects the amount in one working day
The convenience of making payments from your mobile or computer
Most leading banks already have a UPI payment facility on their own apps/net banking facility. Just use the steps mentioned above to make immediate and hassle-free payments. If you still have doubts after reading this article or are unable to navigate successfully through your credit card app, make a call to the credit card customer care number for more guidance specific to your card/bank.
Conclusion
Using online payment modes such as debit cards or UPI options is the quickest and smartest way to make your credit card payments. Doing so in a timely manner before the due date will ensure a healthy credit rating and a good CIBIL score. Online payments also eliminate the need to visit a bank branch or ATM, save processing fees, and update the credit records instantaneously, allowing you to reuse your card immediately.
