Bank of India Credit Card Bill Payment Online Offline Mode

Bank of India Credit Card Bill: A Comprehensive Guide to Online and Offline Methods

This is very important because credit card payments are very important in credit scores and it’s also important not to incur late fees. Bank of India (BOI), one of the leading public sector banks functioning in India, presents several ways for the credit card bill payment. As for the mode of payments for these products, BOI gives one a variety whether one likes to transact online or offline. The following are the details on how to pay your BOI credit card bill through online and offline and this article will help you.

1. Online Payment Methods

a. **BOI Internet Banking**

BOI Internet Banking is one of the simplest methods that allow you to make payments for all your credit card bills without leaving your home or office. Here’s how to make a payment through BOI Internet Banking:Here’s how to make a payment through BOI Internet Banking:

1. **Login to Internet Banking**: Go to the official Bank of India Internet Banking website and enter as user with your User ID and Password.
2. **Navigate to Credit Card Payment Section**: Search for the ‘Credit Card’ tab and/or ‘Card Payment’ on the list.
3. **Select Payment Method**: Proceed to ‘Select Payment Type’ and select the credit card bill payment option to proceed and then choose the credit card account you wish to make the payment to.
4. **Enter Payment Details**: Enter the cost to be paid and then choose the account through which payment will be made.
5. **Review and Confirm**: Cross check the payment details and proceed to make the transaction. In addition to the confirmation, you are going to get the transaction reference number.

 b. **BOI Mobile Banking App**

This application is the BOI Mobile Banking application where you are able to make payments for your credit card while you are mobile. Follow these steps to pay your credit card bill using the app:Follow these steps to pay your credit card bill using the app:

1. **Download and Install the App**: Make sure you have the BOI Mobile Banking application in your smart phone and then, enter your user details.
2. **Access Credit Card Payments**: There will be a ‘Credit Card’ option in the app as well.
3. **Choose Payment Option**: Choose/ Select/ Click on the option of ‘Pay Credit Card Bill’.
4. **Enter Payment Information**: Enter the required sum of money you want to pay and choose the issuing payment source account.
5. **Authorize Payment**: The final step is with regards to payment, thus, affirm the payment and complete the process. To make sure you are always aware when a transaction has occurred on your account, you’ll also be notified via an SMS and/or Email.

 c. **NEFT/RTGS Transfer**

For those who prefer using NEFT (National Electronic Funds Transfer) or RTGS (Real Time Gross Settlement), here’s how you can pay your BOI credit card bill:For those who prefer using NEFT (National Electronic Funds Transfer) or RTGS (Real Time Gross Settlement), here’s how you can pay your BOI credit card bill:

1. **Log in to Your Bank’s Internet Banking**: That’s why you can use the banking services in the internet environment of the bank where you as a consumer have an account.
2. **Select NEFT/RTGS Option**: Always select between NEFT or RTGS from the different available payment methods.
3. **Add Beneficiary**: type Add as Bank of India as a new beneficiary. The details required are:
– **Bank Name**: Established in 1906, Bank of India is one of the oldest banks in India which is considered as a nationalized bank after 1969.
– **IFSC Code**: BOID0000001 (confirm the code in the integrated financial system code or IFSC for the branch you are dealing with)
– **Account Number**: Your BOI Credit Card Number is the name given to the number that identifies the BOI Credit Card belongs to which is brought in the article.
4. **Enter Payment Details**: Enter the amount that you wish to be charged and make the transaction.
5. **Confirm Transaction**: To make sure that, review and confirm the payment. Make sure you keep the transaction reference number for future use.

Bank of India Credit Card Bill Payment Online Offline Mode

2. Offline Payment Methods

 a. **BOI Branch Visit**

If you like to pay over the counter then doing so in a BOI branch is the most convenient thing to do. Here’s how to do it:Here’s how to do it:

1. **Visit a Branch**: Visit the nearest branch located in any part of India with thisBank of India.
2. **Fill Out Payment Form**: Ask for a duly filled credit card payment form at the counter. Fill in the blanks with the information about your credit card number, the sum you want to pay and your account.
3. **Submit Payment**: Submit the form with the amount in question in liquid cash or a cheque to the teller.
4. **Obtain Receipt**: Always make sure, you are provided with a receipt as an acknowledgment of the payment made. This receipt will be useful in assisting you keep track of payment made.

 b. **Cheque Payment**

The ordinary ways of paying your BOI credit card bill include paying by a cheque. Here’s how:

1. **Prepare the Cheque**: Draw a cheque in favour of ‘Bank of India’ for any amount you would wish to make towards the fare.
2. **Include Credit Card Number**: Composing BOI, credit card number at the back of the cheque is advisable in order to give proper credit.
3. **Deposit the Cheque**: Deposit the cheque in the drop box at any BOI branch or put it in the mail according to the address given at the back of your credit card statement.
4. **Verify Payment**: In order to ensure that you are up to date in this payment tracking you can look into your credit card statement or contact your bank.

c. **ATM Payment**

Credit card bill payment facility is also available in the Bank of India ATMs. Here’s how you can make a payment through an ATM:Here’s how you can make a payment through an ATM:

1. **Visit a BOI ATM**: So, as stated, run to the nearest Bank of India ATM you can find.
2. **Insert Your Card**: Swipe your BOI ATM or debit card that you want to use.
3. **Select Bill Payment Option**: Select the ‘Credit Card Bill Payment’ from the list of options available in the menu.
4. **Enter Credit Card Details**: Add credit card number and amount to be paid.
5. **Confirm Payment**: Then you have to go through the payment process which is also assisted by on-screen directions. It is advisable to keep the receipt so you can look at it in the future if needed.

3. Important Tips

– **Timely Payments**: It is important to always ensure that the payment is made before the due date so that one does not incur extra charges or even damaging his/her credit status.
– **Proof of Payment**: All payment receipts and transaction confirmation must be retained for receipts’ payment purposes.
– **Minimum Payment**: Make sure that you pay at least the minimum amount required so as to avoid incurring additional charges such as penalty charges and interest.
– **Secure Transactions**: The two best practices involved in avoiding online scam relate to the use of secure networks and official channels when conducting online transactions that will involve the use of personal and financial information.

 Conclusion

Bank of India credit card payment is easy in several ways whereby you can choose your most comfortable method to use. If a customer prefers internet banking, the use of an application on a smartphone or tablet or if a person is comfortable in visiting the branch and using cheques, BOI has both options available. Choose the method which is more appropriate in terms of your daily timetable and never miss repayments to have a good credit standing and continue using credit cards.