Credit Card Bill Payment in India

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 20/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 20/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :20/01/2020

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Updated: 02-04-2019 10:51:01 AM

Credit cards have become an integral part of the modern lifestyle. You can use credit cards to pay for goods and services purchased from online and offline merchants. The bill is generated for all the payments made in the last billing cycle and you are required to pay that amount on the due date. Non-payment of credit card bills on time can lead to heavy interest charges and late fee. This is why it is recommended to clear all your credit card dues on or before the due date. To facilitate easy credit card bill payment, banks receive payments in multiple ways. Let us learn about these payment options in detail.

How to Pay Credit Card Bills Online
How to Pay Credit Card Bill Offline

How to Pay Credit Card Bills Online

The internet has simplified banking. It has made it very easy to make purchases online and also make the requisite payments online. This has helped significantly in making credit card bill payments through web-based options. These payment options include:

  • Online Banking/Internet Banking/Net Banking

Credit card bill payment can be made through online banking in a quick and easy way. This method, also known as internet banking or net banking, allows payment through online account transfer. You must log in to the card issuer’s net banking portal using your customer ID and Password. Go to the bill payment option and select internet banking as the payment method. You will be redirected to the internet banking facility of the bank through which you wish to make the payment. You can choose to pay the minimum due amount, the total amount due or an amount of between the two. The payment is processed in 3-5 business days.

  • NEFT

NEFT or National Electronic Fund Transfer allows one-to-one transfer of funds across the country. NEFT facility can be used to make credit card bill payment as this scheme makes it possible to transfer funds electronically from any bank branch to an account with any other bank branch in India. In order to make payment using this method, you must log in to the online banking portal of the bank through which you wish to make the payment. Select NEFT as a mode of payment and add the beneficiary. You should use the credit card number as the payee account number and the IFSC will be given on your credit card issuer’s website. You can also call the customer care department of the bank to find out the IFSC. Enter all details correctly and make the payment. NEFT payment made during working hours is credited on the same day. However, payment made after working hours is credited on the next business day.

  • Mobile Banking

Banks have optimised their websites for mobile phones. This way, you can access the bank account from any mobile device (on the mobile site) with an internet connection to make payments. The interface of a mobile banking website is user-friendly and you can make the credit card bill payment conveniently. Just like the internet banking option, you can make the payment by logging into it and authorizing the payment.

  • Mobile Application

Banks have also rolled out mobile applications to make banking easier for users. The same can be used to make credit card bill payments. All you have to do is download the mobile app, log in to it using the unique customer ID and password and choose credit card payment option to pay the requisite amount. Payment can be made from any location at any time of the day. Mobile apps of established banks are available on all major mobile operating systems – Android, iOS, and Windows.

  • Standing Instructions/Auto Debit

You can set standing instructions on your savings/current account to automatically debit the credit card payment amount. Like all the other options, you can choose to pay the credit card bill in full or pay only the minimum due amount every month on a specified date or on the payment due date. This way of payment ensures that you never default on credit card bill payment or incur any late fee as long as the bank account has sufficient funds. It also relieves you from the responsibility to keeping track of every credit card bill. Payment is automatically made to the credit card account.

  • Visa Money Transfer

Also known as Visa Credit Card Payment, this innovative service allows transfer of funds from the customer’s bank account to any Visa credit card issued in India. This facility makes it possible to wire money within 3 business days to pay the credit card bill (only for those credit cards powered by Visa). A nominal fee is levied by the initiating bank for using Visa Money Transfer facility. The transaction limit for each Visa Credit Card Payment transaction is ₹ 49,999.

  • ECS

ECS or Electronic Clearance Service is another way to pay the credit card bill. It is similar to the auto debit method of payment. It allows you to give standing instructions/authorise to debit a non-credit card issuer bank account every month to pay the credit card bill. Electronic Clearance Service gives the option to pay the minimum due amount, total due amount or a fixed amount.

  • Debit Card

You can also use the debit card to clear the credit card dues. However, only a few credit card issuers offer this facility. You must check with your bank ikn advance if you are planning to make credit card bill payment through your debit card.

  • Phone Banking

To use this option to make a credit card bill payment, you need to call the phone banking helpline of the bank in which one holds an account and request for a fund transfer to pay the credit card bill. The IVR and phone banking officer will ask for personal details for authentication. Assistance at the phone banking hotline is usually is available 24×7, every day of the year.

  • Bill Desk

Banks have also tied up with online payment companies in order to provide convenient ways to pay the credit card bill. BillDesk is one such popular portal used by many established banks. It offers a secure and convenient way to make payment from any bank account to the credit card account. Once you select your bank and enter the card details and the amount to be paid, you are automatically redirected to the bank’s payment interface. Here, the transaction is authenticated before final payment with an OTP sent to your registered mobile number or email ID.

How to Pay Credit Card Bill Offline

There are still several ways to make offline payments. These modes are generally slower, and often take 2 or more days to show up on your account. The most common methods are described here.

  • Cheque Payment and Demand Draft

The traditional way to pay your bills is still a viable option to pay your credit card bills. The credit card number is listed as the payee name on both cheques and demand drafts. They can be dropped off at the bank, at special check drop-boxes, and in some cases, even in the ATMs of the issuing bank. This method does have the drawback of having the slowest turnaround time. Payments may take over a week to reflect in your account.

  • Cash Payment

Cash payments may be made directly at a branch of the issuing bank. Paying cash at the branch usually reflects by the end of the business day but paying through a bill payment service might take 1-2 working days.

In addition to these methods, some banks also offer a collection option to their premium customers. A bank executive arrives at your home or office and collects the payment in person. Payments are usually accepted as cheques or cash. While it is good to have this option, it is rarely useful or convenient. Payments made in this way usually take the same amount of time as the instrument used to make the payment plus an additional working day. You may also have to pay a nominal fee to avail this service.

Credit Card Bill Payment by Banks

Know how to pay credit card bills of different banks.

Citibank Credit Card Bill PaymentVijaya Bank Credit Card Bill PaymentIDBI Bank Credit Card Bill Payment
SBI Credit Card Bill PaymentSyndicate Bank Credit Card Bill PaymentDBS Bank Credit Card Bill Payment
Standard Chartered Credit Card Bill PaymentIndian Overseas Bank Credit Card Bill PaymentBank of India Credit Card Bill Payment
Axis Bank Credit Card Bill PaymentCorporation Bank Credit Card Bill PaymentBank of Baroda Credit Card Bill Payment
HDFC Bank Credit Card Bill PaymentCentral Bank of India Credit Card Bill PaymentAndhra Bank Credit Card Bill Payment
DCB Bank Credit Card Bill PaymentCanara Bank Credit Card Bill PaymentAmex Credit Card Bill Payment
Indian Bank Credit Card Bill PaymentOBC Credit Card Bill PaymentICICI Bank Credit Card Bill Payment
KVB Credit Card Bill PaymentBank of Maharashtra Credit Card Bill PaymentIndusInd Bank Credit Card Bill Payment
Yes Bank Credit Card Bill PaymentAllahabad Bank Credit Card Bill PaymentHSBC Credit Card Bill Payment
TMB Credit Card Bill PaymentKotak Credit Card Bill PaymentPNB Credit Card Bill Payment
Union Bank Credit Card Bill PaymentIDFC Bank Credit Card Bill PaymentRBL Bank Credit Card Bill Payment
LIC Credit Card Bill Payment

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