Credit Card Payment through BillDesk

Making online credit card bill payment through BillDesk is very simple and can be done by following the steps mentioned below:

• Enter the Credit Card Number
• Re-enter the Credit Card Number for confirmation
• Enter E-mail ID
• Enter Mobile Number
• Enter the Payment Amount (minimum due, total due or a custom amount)
• Choose your preferred bank account for the payment and click on ‘Pay’
• After this, the page will redirect to the selected bank’s netbanking portal for authorization
• Login using Customer ID and Password and authorize the payment
• If successful, the payment will be made and an email will be sent on the provided email ID

Note that payments made through bill desk usually take up to 3 days to reflect in the credit card account. So, the customer should make the payment accordingly.

• NEFT Payment or The National Electronic Funds Transfer System facilitates payment from bank account to credit card. RTGS or Real Time Gross Settlement Payments are a convenient mode of funds transfer for larger amounts
• ECS Payment is the mode of credit card bill payment directly from a bank account when the customer is sets standing instructions for bill payment. The amount is automatically deducted on the due date
• Mobile App Payments are the call of the day and a very prevalent form of payment owing to the ease and convenience they provide
• Visa and MasterCard Money Transfer also provide payment options for their cards on their respective websites
• Bank Accounts offer the easiest method of paying off credit card bills by entering the basic details such as the card number and account details. This is useful when the cardholder has a savings/current account in the same bank in which he has a credit card account
• Cheque Payments through account payee cheques for making credit card payment is an easy offline method of payment but may take 2-3 days
• Credit card bill payment can also be made directly through cash but it may be chargeable

• Clear the dues within the due date to avoid any late payment charges
• Always pay the total amount due as paying only the minimum amount will attract interest on daily basis on the remaining outstanding amount
• Most of the card issuers give the option to convert the dues into EMIs
• Be very mindful of credit card statement and keep a close check for any kind of technical errors which may result in additional payments

Do study the credit card statement in detail to analyse spending pattern so that mindless or impulsive expenditures can be curbed in the future

What are the charges for BillDesk service?
The BillDesk service is a free of cost service aiming to facilitate online payments in a convenient manner.

Is online banking needed to use the BillDesk service?
No, BillDesk is an independent payment gateway and hence you do not need online banking of the bank in which you have the credit card account to use the BillDesk service. However, to authorize the payment, you will need to have net banking facility active for the bank through which you wish to make payment of your credit card bills.

Is there any online security threat using BillDesk?
No, there is no online security threat as BillDesk is an encrypted payment gateway.