How To Increase Your SBI Credit Card Limit

Credit cards are indeed a beneficial instrument, they help users when they are in a bad financial position, and not only this but they also help them build a strong credit score. However, when it concerns their spending, they have certain boundaries, in particular, credit limits. So, each time a credit card company gives users a credit card, they also impose a spending cap. Additionally, a fine is assessed if a user exceeds the permitted amount.

Types of credit card limits:

  • Total Credit Limit:

The overall credit limit on your SBI Card determines how much you can spend altogether. Although each card may have a different cap. The balance will be reduced by the sum of Webmaster@123#each transaction you complete, and it’s going to be restored as soon as you settle your bills.

  • Available Credit Limit:

This signifies the money that users have at their disposal at any particular moment. For instance, suppose the overall limit of an SBI Card is Rs. 2 lakhs and a user make a transaction worth Rs. 50,000, the remaining credit limit would be Rs. 1,50,000 after the transaction.

  • Cash limit:

The term “cash limit” describes the maximum amount of cash that a user may withdraw via their credit card. Like different cards have different credit limits they also have different cash limits for every user. Different cash caps are established depending on the kind of card issued. Users should always keep in mind that when they use their credit card to make a withdrawal, interest charges and a cash withdrawal fee may be applicable.

Also, Checkout: SBI Prime Credit Card


SBI cardholders have one of the two choices for adjusting their credit limits:

  • Pre-approved Limit Increase:
  • Using internal risk criteria, SBI Card frequently outlines specific cardholders for a proposal of a pre-approved credit limit raise.
  • The offer for a higher limit will be sent to the qualified cardholders via his\her registered mobile phone number by text message, email, or will be mentioned on their monthly report.
  • Additionally, customers can find out if they qualify for this promotion in the Post Login Section of their card account.
  • Since this is pre-approved there is no need for document approval, therefore, cardmembers that qualify can take advantage of this promotion without providing any extra documents.
  • To expand the limit, users can either use:
  1. the Chatbot ILA, 
  2. Go to SBI’s main website to look for any offers to raise their credit limits,
  3. Or just simply send a text message to 5676791 from their registered cell phone number.
  • Requesting an Increase in Limit with Income Support:

This is what customers should do if they are not qualified for a pre-approved credit card limit raise. In the event that consumers seek to raise their limit further than the SBI Card’s permitted limit. They can contact SBI by phone at 1860 180 1290 or by email at

Income documentation that is needed:

  1. Salary slip of the previous 2 months.
  2. Form 16 
  3. (ITR) Income tax returns VI.

Users can submit these documents digitally at website or can mail these to the Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002.

The application for an increase in the credit limit will be granted following the receipt and assessment of the income papers in compliance with the internal risk policy.

Additional Reading: Secured Vs Unsecured Credit Cards

Secured Vs Unsecured Credit Cards


A Secured Credit Card is intended to serve the needs of the population that consistently receives a negative response when applying for a credit card. The cause could be anything from a lack of income or income documentation to bad or non-existent credit history or score. 

Secured credit cards, in contrast to standard credit cards, demand a one-time, refundable deposit before you may be given the card. In case the cardholder ceases making payments on the account, the bank will use the secured card deposit to cover any purchases made with the card. Many secured credit cards provide amazing benefits for example Axis ACE Credit Card offers the best cashback where the highest goes up to 5% on selected brands and products. 

More benefits of secured credit cards are given below.


  • Secured credit cards help people with bad credit ratings raise thei
  • r scores.
  • A secured credit card is usually easy to get approved. Even when you are denied a regular credit card, you can still be approved for a secured credit card.
  • Secured Credit Cards typically require less paperwork and have quick bank approval.
  • The costs for secured credit cards are minimal and, depending on the bank, may even be Rs. 0.


An unsecured credit card is one that can be obtained without providing any security or deposits. Upon acceptance, you are given a particular line of credit that you can use to make purchases with your credit card. You can only get an unsecured card from the bank if you have a reliable monthly or annual income and a CIBIL score of 750 and above. An amazing Unsecured credit card is the HDFC Bank Regalia First Credit Card which offers various perks including travel, dining, fuel, and insurance benefits.

Below are some more advantages of Unsecured credit cards.


  • Unsecured Credit Card requires no collateral.
  • Since your income and credit score are sufficient to apply for a credit card, no FD is required.
  • Unsecured credit cards may offer various extra rewards.
  • These types of credit cards offer you flexible credit limits.

The main distinctions between a secured and an unsecured credit card are listed below.

CollateralSecured credit cards always required collateral.No need for any collateral.
CIBIL ScoreYou can apply for this card with a low CIBIL Score.To apply for an Unsecured credit card, you must have a CIBIL Score of 750 or more.
Credit limitLow credit limitDepends on your creditworthiness.
DocumentationSecured Credit Cards typically require minimal paperwork and speedy bank approval.The application procedure for unsecured credit cards requires more paperwork
IncomeNot requiredCards are only issued if the applicant meets the eligibility requirements for income.
Occupation checkNot requiredThere is an occupation check
Credit limitSecured credit cards have a credit limit equivalent to 80% of FD it can also be 100%In these credit cards, the limit depends on the applicant’s credit history.

Your objective, spending habits, and overall credit profile all play a role in deciding whether to use an unsecured or secured credit card. Therefore, you must choose a credit card based on your needs. Secured credit cards are a good option if you have an FD with the bank because they have speedy approvals. However, a steady and strong income as well as a high credit score will also result in a speedy acceptance of unsecured credit cards.

Additional Reading: Benefits of using a credit card for purchases

Flipkart Axis Bank Credit Card vs Freecharge Axis Bank Credit Card

Applying for an Axis credit card the first time? Axis Bank is the leading credit card issuer among the private sector banks. It offers a wide range of credit cards from entry-level credit cards to super-premium credit cards. You need to first figure out your needs and spending habits and then choose the card that matches them. Having the right credit card helps you maximize its benefits.

In this article, we have covered Flipkart Axis Bank credit card and Freecharge Axis Bank credit card for your reference. Both credit cards are ideal for first-time credit card users. Keep reading to know the features and benefits of these two credit cards. 

Flipkart Axis Bank Credit Card

One of the most popular credit cards offered by Axis Bank. You can enjoy the shopping and travel benefits with the Flipkart Axis credit card. The key features and benefits of this credit card are as follows:

Joining Fee: Rs. 500 plus applicable taxes

Renewal Fee: Rs. 500 plus applicable taxes

Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 2 lakhs in the previous year.

Features and Benefits:

  • The credit cardholder gets welcome benefits worth Rs. 2,500 on this credit card.
  • Earn 5% cashback on shopping from Flipkart and Myntra.
  • Earn 4% cashback on Swiggy, Uber, PVR,
  • Earn 1.5% cashback on all other spending. 
  • Enjoy 4 complimentary domestic lounge access every year.
  • Save up to 20% on dining bills at partner restaurants under Axis Bank’s Dining Delights Program. 
  • Get a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 – Rs. 4,000.

Freecharge Axis Bank Credit Card

This is an entry-level credit card. The rewards on the Freecharge Axis credit card are based on the cashback. You enjoy shopping, movie, dining benefits, and many more. Hereunder are the key highlights of this credit card. 

Joining Fee: Rs. 250 plus applicable taxes

Renewal Fee: Rs. 250 plus applicable taxes

Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 50,000 in the previous year.

Features and Benefits:

  • As a welcome benefit, the credit cardholder gets a Myntra gift voucher worth Rs. 350 and a BigBasket voucher worth Rs. 350.
  • Earn 1% cashback on all the spending using this card.
  • Earn 5% cashback on spending on the Freecharge app.
  • Get up to Rs. 100 credits every month on the Fresh Menu.
  • Save up to 50% on the annual subscription on Eros Now.
  • Earn up to Rs. 100 credits every month on Shuttl. 
  • Get a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 – Rs. 4,000.

Bottom Line:

To summarise, as we can see that Flipkart Axis Bank credit card has more features and benefits as compared to the Freecharge Axis Bank credit card. You can apply for a credit card that matches your needs and spending habits online as well as offline. Just bear in mind to keep the credit card dues clear and maintain a low credit utilization ratio. Using a credit card wisely is the key to maximizing its benefits.

Additional Reading:  Buy Now Pay Later or Credit Card: Which is better for you?

Are Shopping Credit Cards Worth It?

Credit cards have been diversified into various categories today. Each Category has a different purpose when the point of fetching reward points and discounts is mentioned. Today we have Fuel credit cards, Travel credit cards, Lifestyle credit cards, and the list goes on.

One such category is Shopping Credit Cards. We all love to update our wardrobes with the latest fashion trends across the globe. But since these expenses affect our pockets quite heavily, Credit Card companies came up with a solution, Shopping Credit Cards. These cards provide dedicated benefits on shopping from partnered stores or online shopping sites, and fewer discounts when being used at regular outlets. Let’s see what other benefits these cards hold:

Reward points and cashback:

These cards have dedicated cashback and rewards when used at certain fashion outlets and online sites. These points can be redeemed later to get discount vouchers or direct discounts on shopping bills at various outlets across the country.

Easy Installments on shopping:

People often don’t prefer shopping a lot as it may weigh heavy on their pockets. Shopping cards have this feature of converting your credit bills into EMIs so that you have an option to shop more and can pay even later using this Installment feature.

Add-on Benefits:

Certain card companies give this feature where you can add on certain extra features to your credit card for a premium. These Add-on features might come in handy if you want to reduce the number of credit cards with you and want a single credit card with all the features in it.

Shop when Traveling: 

People often shop when they go on vacations. These cards come in handy as most of them can be used at most of the outlets that accept credit and debit card payments. Some card issuers give the option to enable credit cards for International transactions making them suitable for shopping across the globe whether online or offline.

Bottom Line:

Shopping cards with tons of features make them a prime choice for someone who shops on a regular basis providing tons of points and savings. But then, these cards miss out on a few features that one might want in a daily use credit card.

Though these cards provide a fuel surcharge waiver, they do not provide any additional benefits other than this.

With options of having travel benefits as an add-on feature, these cards can come at a premium as they will cost more in terms of annual fees and add-on benefit charges.

These cards might be handy for someone who shops a lot and casually travels.

Additional Reading: How To Pay Credit Card Bills Online?

Benefits of using a credit card for purchases

Credit cards are one of the most powerful financial instruments made for users to enjoy privileges and also to build a good credit score. If credit cards are used with care and planning, one can enjoy every benefit of the card to the fullest. For every purchase transaction, credit cards are said to be the most beneficial way as they offer the cardholders in return some benefit that other instruments like cash or debit cards do not. These benefits can be reward points or cash back and even gift vouchers that the user can use for future transactions. Today in this article, we are going to talk about the benefits that a credit card offers whenever used for purchase transactions.

  • Safe and convenient: The very first reason and the benefit of using a credit card is because they are safe to use and also convenient at the same time. Carrying cash around can be risky and time-consuming. Making a payment with a credit card is a very easy and quick process.
  • Reward Points: The second benefit of using a credit card for purchases is that it offers you something in return for every transaction. Every time you swipe your credit card at a merchant or use it for an online purchase it offers you reward points. You can use the reward points earned for various purposes. You can redeem them for gift vouchers, shopping, dining, and even against the card’s monthly statement. 
  • Cash Back: Earning cashback on credit card transactions is very much similar to earning reward points. If your credit card offers cashback instead of reward points you can get the benefit from the purchase instantly in the currency. You can redeem the cashback as money or you can also use it against the card’s statement balance.
  • Time to Settle the statement: With every credit card you get time for a month or little more to settle the payments of your credit card bills. With this, you can pay back for the purchases made with time in hand and with proper budgeting.

Also read: How To Pay Credit Card Bills Online?

  • Manage your spending: With a credit card, you have a complete report about your spending and you can even track them category-wise. With this feature, you can control your spending, plan better and make new budgets.
  • Makes refunds easy: When you purchase anything online with a credit card, you have the ability to make a return and get the refund in full. This is a great facility of using a credit card if you shop frequently. To understand more about credit card refunds check out this article – How does a refund work on a credit card.

A credit card is the best option to make purchases as it offers tons of benefits for every transaction. However, you should plan your purchases and spend only within the limits.

Reasons Why You Get SBI Aurum Credit Card

SBI Cards offer a wide range of credit cards from entry-level credit cards to super-premium credit cards. One of the super-premium credit cards is the SBI Aurum credit card. The joining and renewal fee of this credit card is Rs. 10,000 plus applicable taxes. The renewal fee will be waived off on spending Rs. 12 lakhs in the previous year.

Being a super-premium credit card, you cannot apply for it. SBI Cards send the invite of this credit card to the selected credit cardholders or valuable customers. If you get an invite and your spending habits match this credit card’s rewards and benefits then you can accept the invite but if it doesn’t then you can reject it as well. The decision lies in your hand. Hereunder are the reasons why you should get the SBI Aurum Credit Card. keep reading to kick start your research.

  • Welcome Benefits: The credit cardholder gets to enjoy various welcome benefits on the SBI Aurum Credit Card such as 6 months of complimentary memberships of Zomato Pro, Eazydiner Prime, Amazon Prime, BBStar, etc. Also, you get 40,000 bonus reward points on this credit card as sign-up bonuses.
  • Reward Rate: On all your spending you get to earn 4 reward points on every Rs. 100 using this credit card. You get a flat 1% reward rate and it is actually a decent reward rate.
  • Travel Benefits: With this credit card you get 4 complimentary domestic airport lounge access under the Visa/Mastercard domestic lounge program. Whereas you get to enjoy unlimited international airport lounge access with the complimentary Dreamfolks Lounge program membership.
  • Movie & Dining Benefits: On getting this credit card you become entitled to 4 complimentary movie tickets from BookMyShow every month. Under the dining benefits, you get a complimentary subscription of 6 months of Zomato and Eazydiner.
  • Other Benefits: You also get to enjoy a 1% fuel surcharge waiver at all fuel stations, a low foreign markup fee of 1.99%, and free add-on credit cards. You can check the SBI Card’s official website to know more about the SBI YONO as it helps you to pay the bills on time.

Bottom Line:

To conclude, till now you have become familiar with this credit card’s rewards and benefits. Getting this credit card lets you enjoy shopping, dining, travel, and movie benefits. Also, if you have more international transactions as compared to domestic ones then you must consider this credit card as you get a comparatively low foreign markup fee of 1.99%. In order to maximize the benefits of this credit card, you need to keep the credit card dues clear and maintain a low credit utilization ratio. Using a credit card wisely is the only key to building a good standing account. You will not be disappointed in getting this credit card. However, if your spending habits don’t match with this credit card then you can decline the invite of this credit card. You must consider all the factors like your income and paying capacity before accepting the invite. Do share your experience with the SBI Aurum SBI credit card in the comment section. Also, do let us know your queries as well we would love to address them in the best possible manner.

Additional Reading – Your Guide to Secured Credit Cards

Indusind Pinnacle Credit Card vs Legend

IndusInd Bank offers quite premium credit cards to its customers in order to make their experience more rewarding. Among those credit cards, the two credit cards that are highly rewarding credit cards are IndusInd Pinnacle credit card and IndusInd Legend credit card. Here is the comparison between these two credit cards so that you can make your decision as to which credit card you would like to go for.

IndusInd Bank Pinnacle World Credit Card:

You can get this credit card by making a one-time payment of Rs. 12,999 plus applicable taxes of the membership fees. IndusInd Bank Pinnacle World credit card is best suited for travel and shopping and you also get comprehensive insurance benefits on this credit card. Here are the key features and benefits of this credit card.

  • With this credit card, the credit cardholder gets to pick any of the complimentary benefits like a free stay at Oberoi hotels, a Luxe gift card, or gift vouchers from top brands such as BATA, Vero Moda, ALDO, Titan, etc.
  • You can earn 2.5 reward points on every Rs. 100 spent on online shopping.
  • On every Rs. 100 spent on online travel and flight bookings, you get to earn 1.5 reward points.
  • You also get to earn 1 reward point on every Rs. 100 spent on every other purchase.
  • The credit cardholder gets to enjoy the travel benefits of 1 complimentary domestic lounge access every year and 2 complimentary international lounge access every year with Priority Pass membership.
  • With this credit card, you get to enjoy Buy 1 Get 1 offer on movies (up to 3 complimentary movie tickets) every month.
  • You also get to enjoy 4 complimentary golf lessons and 2 complimentary golf games every month.
  • There is no annual fee on this credit card.
  • On all fuel transactions between Rs. 400 – Rs. 4,000 at all petrol pumps you get a 1% fuel surcharge waiver.

IndusInd Legend Credit Card:

You can vouch for this credit card by paying the membership fee of a one-time payment of Rs. 9,999 plus applicable taxes. Legend credit card by IndusInd is also best suited for shopping and travel. One advantage that you get with this credit card is the low foreign markup fees. Here are the key highlights of this credit card:

  • Among the various freebies such as a Luxe gift card, a complimentary stay at Oberoi Chain of hotels, gift vouchers from Charles Keith, Yatra, Louis Philippe, etc.; you can choose one for yourself on this credit card.
  • You can earn 2 reward points on every Rs. 100 spent on weekends, whereas on weekdays you earn 1 reward point with this credit card.
  • With this credit card, you can enjoy 2 complimentary domestic lounge access every quarter.
  • You get to enjoy Buy 1 Get 1 offer on movie tickets (up to 3 tickets) from BookMyShow every month.
  • This card allows you to enjoy 1 complimentary golf lesson and 1 complimentary golf session at India’s finest golf courses.
  • There is no annual fee on this credit card.
  • On all fuel transactions, you get a 1% fuel surcharge waiver on this credit card.
  • You get to enjoy a low foreign currency markup fee of 1.80%.

We hope that you might have got an idea about which credit card is best suited for you according to your needs and spending habits after the above comparison. You need to be more responsible at the time of credit card bill repayment so that you do not skip a bill payment as it can harm your credit score.

Additional Reading – Buy Now Pay Later or Credit Card: Which is better for you?

How To Redeem RBL Credit Card Reward Points

Reward points are a form of benefit provided by many credit card companies that allows you to redeem them for cashback, air miles, vouchers, etc. which can make your payment experience more valuable. You can redeem RBL Credit Card Reward Points for selected flights discount, hotel stays, dining discounts, cash backs, and more.

For every transaction made, RBL Bank has created a special loyalty program for its credit card customers, awarding them with personalized gifts from a broad choice of products, certificates, and other items. Compare RBL Credit cards by their features and benefits to establish which works best for you.

You can redeem RBL Credit card points in various categories. Following are the steps to complete your RBL Credit Card reward redemption process:

Redeem points for Booking Flights:

Step 1: Go to

Step 2: Enter your Login ID & Password or register as a new user.

Step 3: Select the Travel option and select the flight of your choice.

Step 4: On the payments window, click on redeem points and select how many reward points you wish to redeem.

Step 5: Check your registered mobile number for OTP and enter the OTP for verification to complete your transaction.

Redeem RBL Credit Card Reward Points for shopping:

Step 1: Go to the official website of RBL.

Step 2: Log in to the portal with your Login ID and Password.

Step 3: Click on “Shop Now”.

Step 4: Browse through the list of shopping-related offers from different brands and platforms and select the one you like.

Step 5: Click on redeem points and select the number of RBL reward points you wish to use.

Step 6: Enter the OTP received on your registered mobile number to finish the transaction.

Redeem RBL Credit Card Reward Points for Hotel related offers:

Step 1: Go to the official website of RBL.

Step 2: Sign in to the site with your ID and Password.

Step 3: Click on “Explore Now”.

Step 4: Select among the many hotel chains mentioned and the discounts related to them that you wish to avail.

Step 5:  Select the quantity of RBL reward points you want to utilize by clicking on redeeming points.

Step 6: Enter the OTP received on your registered mobile number to finish the transaction.

Redeem RBL Credit Card Reward Points for Recharge:

Step 1: Go to the official website of RBL.

Step 2: Sign in to the site with your login ID and Password.

Step 3: Click on “Top-up Now”.

Step 4: Select among the available offers by your service provider.

Step 5: Select the RBL Reward points for redemption.

Step 6: Enter the OTP received on your registered mobile number to finish the transaction.

You can redeem your RBL Credit Card Reward program for other categories as well like gift coupons, vouchers, etc. by following the similar steps as mentioned above.

Additional Reading – How To Pay Credit Card Bills Online?

Line Of Credit Vs Credit Card – What’s The Difference

Credit cards and how they function are known to almost everyone, but what is a line of credit? When should this be used instead of a credit card and how does it vary from a credit card? You’ll probably examine business finance choices including loans, lines of credit, and company credit cards when you look into financial instruments to borrow money to build your firm. Although commercial loans are very simple to comprehend, you may have queries regarding the distinction between a line of credit and a credit card which we will clear hereon:

What is a Credit Card?

A Credit card is a financial tool to simplify your payments. It is a plastic or metallic card which you can swipe or insert in a card machine to make payments for your purchases or to withdraw cash. A Credit Card enables cardholders to loan funds to pay for products and services from businesses that accept credit cards. Credit cards require cardholders to repay the borrowed funds, plus any associated interest, and any extra consented charges, in whole or over time by the billing date.

Features of a Credit Card:

  1. Cost of Credit Card: There are many fees and APRs levied on a credit card holder for carrying on several credit card activities which makes up the overall cost of the card.
  2. Credit Limit: A Credit limit is a maximum amount that you can spend on a credit card. This limit is different for different credit cards.
  3. Type of Credit Card: There are various types of credit cards available suiting the needs of distinct customer segments like a credit card for travel, shopping, lifestyle expenses, entertainment, fuel, etc.
  4. Rewards and benefits: The rewards are the advantages you get on using a credit card for different transactions. The rewards earned on a credit card can be in the form of miles, points, cashbacks, vouchers, coupons, etc.

What is a Line of Credit?

A line of credit is a form of debt that allows you to borrow money for any purpose up to a certain amount, subject to a rate of interest. There is a certain limit up to which you can borrow money and just pay interest on the amount you borrow. You’ll need to speak with your bank or financial institution to establish a line of credit. You can start by inquiring about any account-opening fees, such as a registration or administrative fee, etc. You can get money from your line of credit once it’s been approved with a certain limit

Features of a Line of Credit:

  • Interests and fees: A fee is usually charged by the bank or financial institution for opening a line of credit. The charge would normally include the costs of completing the application, security screening, legal expenses, collateral arrangements, and registrations, among other things.

In most cases, no interest is charged on a line of credit until the consumer uses a portion or all of the credit capacity.

  • Types of LOCs: The different types of Line of Credits are:
    a) Secured LOC: In a secured line of credit, you are required to pledge something (real estate, automobile, etc.) as collateral to the bank if in case you did not pay back the amount taken as a loan.
    b) Unsecured LOC: An unsecured line of credit is a credit instrument with a variable rate that gives you access to money as needed without any collateral.
    c) Revolving LOC: A revolving line of credit allows a borrower to withdraw funds up to their credit limit regularly. It functions similarly to a credit card and requires a monthly payment.
    d) Close-end LOC: Closed-end credit refers to debt instruments purchased for a certain purpose and a specified period.
  • Utilization of LOC: You can utilize your approved line of credit in the following ways:
    a) Use your line of credit to write a check
    b) Withdrawing cash from the ATM.
    c) Paying bills using LOC.
    d) Use internet banking to deposit funds into your checking account.
  • Benefits: Following are the benefits of a line of credit:
    a) Low rate of interest.
    b) The borrowing limit is higher.
    c) 24*7 constant access to funds.
    d) Comparatively lower cost.
    e) Option for a flexible payback schedule

Additional Reading – Your Guide to Secured Credit Cards

How To Pay Credit Card Bills Online?

The Internet has made banking a lot easier. Internet Banking is available at almost all Indian banks. In numerous respects, paying credit card bills via online banking is preferable to alternative methods of payment. It’s straightforward, easy, and practical. Now, the questions are what are the available online credit card bill payment methods?, and How to pay credit card bills online? Let us answer your questions in detail:

Credit card bill payment options and procedures:

  1. Bank’s Mobile Application: This is probably the easiest way to pay your credit card bill. You can follow the below-mentioned steps to successfully pay your bill:
    a) Download the concerned bank’s mobile application from the store.
    b) Fill in the Customer ID and password to access your account.
    c) Go to the payments section and select ‘card’.
    d) Choose your registered credit card and click on Pay Now.
    e) Fill in the amount needed to be paid and other required information.
    f) Confirm the payment.
  2. Via Internet Banking: The Internet Banking facility is yet another suitable way to pay your credit card bill, here’s how you can utilize this feature:
    a) Log in to your bank’s NetBanking Server with your ID and Password.
    b) Select your registered credit card.
    c) Find your suitable payment option.
    d) Fill in the amount and other required information.
    e) Confirm the payment.
  3. ATM Transfer: The steps to be followed for paying your credit card bill via ATM Transfer are:
    a) Insert your card from which you intend on making your credit card bill payment at your nearest ATM.
    b) Go to Menu →  More options Make Credit Card Payment
    c) Select the account with which you’d like to make the payment.
    d) Enter the amount to be paid and press confirm.
    e) Enter your card details and press confirm.
    f) Enter your debit card’s PIN to pay the amount and to complete the transaction.
  4. AutoPay Transfer: Autopay is a credit card bill payment method that helps you in paying your credit card bill as and when it becomes due.
    a) Log in to your bank’s NetBanking Server with your ID and Password.
    b) Go to the bill payment tab → Credit card bill pay.
    c) Enter the card details and select the auto-debit option.
    d) Set up a maximum debit amount.
  5. Through NEFT: One of the efficient credit card bill payment methods is via net banking using NEFT, and you can use any bank’s net banking account. To move cash to your credit card account, you must first add it as a beneficiary account which can be done by filling in required data such as bank name, credit card number, cardholder name, branch address, ifsc code, and so on. It might take up to 24 hours to add a new beneficiary in net banking, depending on the bank.

Additional Reading – Buy Now Pay Later or Credit Card: Which is better for you?

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