RBL Credit Card Bill Payment Online Offline Mode

RBL Credit Card Bill Payment Online Offline Mode.The credit card portfolio that RBL has available to provide consumers include cashback, travel and lifestyle cards. When you are using your RBL credit card then you have to pay your bills on time to avoid additional charges and poor credit scores. RBL Bank has online as well as offline payment modes that assist people depending on their easy accessibility.

We will explore all the payment methods and all the procedures that one has to follow in order to ensure proper and timely payments of the RBL credit card bill in this comprehensive guide and also will help you in selecting the most suitable payment method as per your convenience.

Why Timely Credit Card Bill Payment is Important

Before we dive into the payment methods, let’s understand why paying your credit card bill on time is essential:Before we dive into the payment methods, let’s understand why paying your credit card bill on time is essential:

1. **Avoid Late Payment Fees**: In the same token, failure to make your payments on time will attract extra charges which sum up to your balance.
2. **Maintain a Good Credit Score**: On-time payments lead to a better credit history which will in turn have a positive effect on a person’s credit rating.
3. **Avoid High Interest Rates**: This way you will be subjected to paying interests on your balance which will make it very difficult to pay your dues.
4. **Enhance Credit Utilization Ratio**: They also help you to maintain a good credit utilization ratio which is part of your credit score.

Now, let’s have a look at the options you have to make payments for RBL credit card dues.

Online RBL Credit Card Bill Payment Methods

Everything from the internet payment methods is fast, secure as well as convenient. The payments can be made from the comfort of ones home or when on the move. Here are a few ways for online repayment of your RBL credit card bill.

1.Other banks and RBL net Banking.

It is absolutely convenient if you have an account with RBL bank or have an account of other banks, then there has net banking facility to pay the RBL credit card bill. Here’s how to do it:Here’s how to do it:

**Steps to Pay via RBL Bank Net Banking**:**Steps to Pay via RBL Bank Net Banking**:
- **Step 1**: Once you are done it is very simple to access RBL Bank net banking through the following procedure:-
- **Step 2**: Go to the option that is labelled ‘Bill Payments’.
- **Step 3**: Choose ‘Credit Card Payment. ’
- **Step 4**: When you log on our RBL credit card login option you have to input your credit card number and the amount you want to pay on this website.
- **Step 5**: Validate the transactions by using the OTP or transaction password that has been sent to your device.

Steps to Pay via Other Bank’s Net Banking (NEFT):

- **Step 1**: Visit the non-RBL Bank net banking out of all the available RBL Bank associated net banking service providers.
- **Step 2**: You will use the following details to add your RBL credit card as a beneficiary-
- **Payee Name**: And/or Other Parts of Your Name
- **Payee Account Number**: Your RBL Credit Card Number is the requirement where you need provide RBL credit card number for authentication when you are using online banking services.
- **IFSC Code**: RATN0CRCARD
- **Step 3**: Input the amount to be paid then confirm input in the next screen.

**Processing Time**: Depending on the time NEFT is done, it takes about one to 24 hours duration for the money to be credited in the credit card account.

2. RBL MyCard Mobile App

RBL Bank has an application which is called MyCard mobile app through which you can manage your credit card. It does not only allow you to monitor your spending but also to settle the bill through the app as well.

**Steps**:
- **Step 1**: Go to your smartphone and download as well as install the RBL MyCard application and use your credentials to login.
- **Step 2**: Go to payment options tab.
- **Step 3**: Go to your RBL credit card of choice and enter the amount which you want to make a payment for.
- **Step 4**: Check the payment details and then validate it by selecting UPI, net banking or debit card as your payment method.

This MyCard application friendly, no need to go anther window to log in to bank, one button and it is ready to do an immediate transaction.

3. BillDesk

RBL Bank has associated with BillDesk, an efficient web based bill payment system to make credit card bill payments.

**Steps**:
- **Step 1**: Go to the website of RBL BillDesk payment through the link: RBL BillDesk https://www. rblbank. com/creditcard-billpay
- **Step 2**: RBL credit card number; Your email ID on the account; Your registered mobile number.
- **Step 3**: Select the payment mode preferred by you whether through net banking, debit/credit card or through UPI.
- **Step 4**: To confirm the payment, click on the For Complete information and receive a payment confirmation.

**Processing Time**: They either occur on the spot, or within one to 24 hours of the cash advance being approved.

4. UPI (Unified Payments Interface)

UPI is a quick way and convenience way to pay off your RBL credit card bill. You can use any UPI enabled app of your choice such as Phone pay, google pay, paytm etc.

**Steps**:
- **Step 1**: Now return to your UPI app and then click on the ‘Pay’ button.
- **Step 2**: Using your RBL credit card, you must provide your RBL credit card’s UPI ID (please, contact RBL in order to clarify the format of the necessary UPI ID) or select the credit card issuer from the list of the billers.
- **Step 3**: Enter your credit card number if you are willing to pay upfront or, the amount you are willing to deposit.
- **Step 4**: Authenticate the payment through UPI PIN that you set while creating your BHIM account/ Registering for Google Pay/ PhonePe/ Other UPI applications.

**Processing Time**: United Payments Initiative involves payment of fees and charges to its users and these are done in real time.

5. Debit Card Payment

It also facilitates its customers with the facilities like where you can use your debit card to pay the credit card bills.

**Steps**:
- **Step 1**: Go to the official website of RBL Bank credit card payment portal.
- **Step 2**: Select ‘Debit Card’ as this is the payment option that you want to use.
- **Step 3**: Select RBL credit card number, debit card details and the payment amount which you want to pay.
- **Step 4**: Confirm it with OTP in order to complete the payment.

Debit card payments are effected as and when the card is swiped through a reader; the amount will reflect in your account in several hours.

RBL Credit Card Bill Payment Online Offline Mode

Offline RBL Credit Card Bill Payment Methods

There are still individuals who do not use the internet or do not have access to the online methods of payment, for such people RBL Bank makes it easy to pay credit card bills through offline methods.

1. Cash Payment

It is accepted that you can pay by cash for your credit card at any RBL Bank branch.

**Steps**:
- **Step 1**: In this regard, if you want to open a rupee account or report any fraudulent activity go to the nearest RBL Bank.
- **Step 2**: Enter your RBL credit card details on the amount paid on the cash deposit slip.
- **Step 3**: pay the cash and the slip at the teller station.

**Processing Time**: It is important to note that, with the cash payment methods, the money is normally credited to the client’s account almost immediately. However, for payments made in cash, there is processing fee chargeable on the amount paid in cash.

2. Cheque or Demand Draft

As for cheque/demand draft payment method, you can deliver your cheque to any of our branch or deposit it in the drop box.

**Steps**:
- **Step 1**: You should write the cheque in the following term ‘RBL Credit Card XXXX XXXX XXXX XXXX’ which is referring to the last 16 digits of credit card number.
- **Step 2**: Deposit and cash the cheque at any of the RBL Bank ATM or the branch by deposit box.
- **Step 3**: Just make sure to write your contact number on the back of that cheque.

**Processing Time**: Normally cheques take 3-5working days to be cleared and thus ensure that you deposit the cheque early enough in the due date.

 3. NEFT at Bank Branch

If you are uncomfortable using internet banking you can still make NEFT transactions from the bank where you hold your account.

**Steps**:
- **Step 1**: NEFT transfers are also done in physical form by visiting the branch of the bank and obtaining an NEFT transfer form.
- **Step 2**: Input the IFSC code: (RATN0CRCARD) & enter your Credit card No of RBL Bank.
- **Step 3**: Completed the form and payment to the bank staffs, who will then transfer the application.

**Processing Time**: Normally, NEFT takes up to 24 hours to be effected and reflected in the credit card holder’s account.

4. RBL Bank ATMs

It is also possible to make the payment of credit card using the cash available in RBL Bank ATMs provided you have an account in RBL Bank savings account.

**Steps**:
- **Step 1**: All you need to do is to dip your RBL Bank debit card into the ATM.
- **Step 2**: If none of the above options conflicts with your bank’s requirements, then go for ‘Credit Card Payment’ from the menu.
- **Step 3**: Type in your credit card number and the amount that is going to be paid.
- **Step 4**: Proceed to the final step which is to finalise the transaction and confirm the payment.

**Processing Time**: The money transactions done using RBL Bank ATM are done on Real Time Basis or on Real Time Processing.

Auto-Debit Facility

In addition to this, the bank provides the customer convenience of auto debit from the savings or current account on the due date for credit card bill. You can choose the minimum amount due information or total amount due information so that it can be debited.

**Steps to Activate Auto-Debit**:
- **Step 1**: Go to the official website or net banking or visit the branch nearby in this option.
- **Step 2**: Complete the auto-debit form where you are to indicate your credit card number and your bank account details.
- **Step 3**: Select the amount required to be debited and finally approve the transaction.

This makes the payments are made timely without having to make the payments every month in a tedious process.

Which Payment Method Should You Choose? 

- **For Instant Payments**: If you need your dues to be processed immediately, the best methods to use are using a UPI, debit card or mobile banking.
- **For Offline Preferences**: The oldest and most common modes of paying are the cash and cheques where you should make sure you let more time for processing.
- **For

Convenience**: The auto-debit facility helps one avoid cases of indebtedness to the service provider.

Conclusion

RBL Bank offers customers a variety of online and offline payment solutions, which will meet the needs of every buyer. For those who do not like to visit banks personally and prefer online transactions methods such as net banking or UPI RBL foresees it, or in case you still like to pay in cash or by cheque RBL offers it as well. It is always important to ensure that you clear your RBL credit card bill before the due time so that you do not attract any penalties as well as ensuring that your credit score is not affected.