How to Pay Credit Card Bills Using Debit Card?

In addition to the offline mode, users have numerous options to pay Credit Card bills online instantly, through UPI, Net Banking or Mobile Banking. However, the most popular, simple and convenient option is to pay using a Debit Card. Let’s get to know how Credit Card bill payments can be cleared using a Debit Card.

Paying Credit Card Bills using a Debit Card

You can pay your Credit Card bills using a Debit Card, both online as well as offline. When paying online, you will need to use the Debit Card of that particular bank. For instance, if you are paying a bill for an ICICI Bank Credit Card, a Debit Card of the same bank needs to be used.

On the other hand, if you are paying offline, you can visit an ATM of the same bank that you own the Credit Card form. For an ICICI Bank Credit Card, you can visit an ICICI Bank ATM. To initiate the process, you will need to swipe any of your Debit Cards at any ICICI Bank ATM and go to the ‘more options’ section to pay the dues.

Benefits of paying Credit Card bills using a Debit Card

• Credit Card bills can be paid using Debit Cards from anywhere in India, at any time, online or by visiting the nearest ATM

• Paying online via a Debit Card is more convenient than paying offline as you don’t need to visit the ATM physically

• All your sensitive data, such as your card number, PIN, CVV, etc., remain protected with advanced encryption technology, when you pay online via a banking channel

• Most of the time, banks do not levy charges when you’re paying via Debit Card.

If you wish to pay an ICICI Bank Credit Card bill online through any other bank account, you can use the ‘Click To Pay’ option. The facility is available to both ICICI Bank and non-ICICI Bank customers. Apart from Debit Cards, customers can settle Credit Card dues using Internet Banking, scan to pay using UPI, or pay via the iMobile Pay app.

Important tips while paying Credit Card bills:

• Before you begin the online bill payment process, check your Credit Card Statement. Check whether the charges levied are correct and the amount due

• Always double-check your card details, such as your Credit Card Number, Bank Account Number and other details, while paying online

• Check with the bank how much time a particular online payment method would take for payment processing. Typically, online methods can take 1 to 5 working days.