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Table of contents

    Quick Summary

    Credit cards make everyday payments simple, whether online or in-store, and also offer rewards and cashback. Yet many people are unaware of how to pay using a credit card.

    Read on to learn how you can make payments using a credit card both online and offline.

    Benefits of paying with a credit card

    • Credit cards offer an interest-free credit period of up to around 45 days before the payment due date.
    • Timely credit card payments can help improve and build your credit score over time.
    • Many credit cards provide cashback, reward points, fuel surcharge waivers, and lounge access.
    • Credit cards offer better protection against fraud, as transactions can be disputed before the money is debited from your bank accounts.

    How to pay bills using a credit card?

    Here is a step-by-step guide to paying bills using a Credit Card:

    • Step 1: Open Axis Bank’s mobile app, or any digital payment app
    • Step 2: Choose the type of bill you want to pay
    • Step 3: Enter the required account details, like customer ID or registered mobile number 
    • Step 4: The platform will automatically retrieve your pending bill amount and display the payment details.
    • Step 5: From different payment options like UPI, debit card, credit card, net banking, etc., select a credit card as your payment method and complete the transaction.
    • Step 6: After payment is successful, you will receive a digital receipt as proof of payment.

    Note: Payments may fail if the PIN is incorrect, if there are unpaid dues, or if the credit limit is exceeded.

    Things to check before making a credit card payment

    Here are key factors to check before making a credit card bill payment:

    • Check the statement date and payment due date to avoid late fees and interest charges.
    • Review your transactions to ensure there are no duplicate or unauthorised charges.
    • Understand the difference between the total amount due and the minimum payment due.
    • Verify that your rewards points or cashback have been correctly credited in the statement.

    How to pay with a credit card at an offline store?

    Follow these simple steps to do credit card transactions at any offline store:

    • Step 1: Give your credit card to the cashier at the billing counter.
    • Step 2: The cashier will swipe or insert the card into the payment terminal.
    • Step 3: Type your PIN when prompted on the machine to authorise the payment.
    • Step 4: After verification, the transaction will be completed.

    How to pay online with a credit card?

    Follow these steps to pay online with a credit card for credit card bills:

    • Step 1: Add the items you want to buy to your cart and proceed to checkout.
    • Step 2: Choose the credit card option and fill in your card details, including the card number, name on the card, expiry date, and CVV. You may also be asked to enter your billing address.
    • Step 3: An OTP will be sent to the credit card account registered mobile number for authentication.
    • Step 4: Enter the OTP on the payment page to authorise and complete the online payment.

    Also Read: Credit Utilisation Ratio: The number that shapes your credit score

    Conclusion

    Whether you are making online purchases, paying in-store, or settling bills through a payment platform, credit cards offer convenience along with benefits such as rewards and cashback. By keeping track of your billing cycle and pay your credit or dues on time, you can use your credit card responsibly and make the most of its advantages.

    Disclaimer: This article is intended solely for informational purposes. The views expressed in this article are personal. Axis Bank and/or the author shall not be liable for any direct or indirect loss or liability incurred by the reader arising from reliance on the content herein. Readers are advised to consult a qualified financial advisor before making any financial decisions. Axis Bank does not endorse or guarantee the accuracy of any third-party content or links included in this article. 

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