RBL Credit Card Payment

RBL credit cardholders can pay their credit card bill online through a number of ways. The simple steps to make RBL credit card bill payment online are mentioned below:

RBL Credit Card Payment through Netbanking

Cardholders have to follow these steps for RBL Bank bill payment through netbanking:

• Login to your RBL Netbanking account using your username and password
• In the “Bill Payment” section, select the “Add Biller” option
• Add RBL credit card as your biller 
• Once added, you can make the payment directly by entering details such as the amount and the bank account from which the payment has to be done 
• When you click on the “Instant Pay” option, your payment will be processed and a receipt will be displayed 

RBL Bank Credit Card Bill Payment through Other Bank Netbanking

• You can add your RBL Bank credit card as a biller in the netbanking account of any bank
• The payment can be done directly from the savings account
• Once paid, the credit card payment gets realised on the next day but the limit is released within the same day
• A confirmation message is sent to the cardholder on the registered email ID and mobile number

RBL Credit Card Payment through MyCard Mobile Banking

• Login to your RBL Bank MyCard app
• Your card details will be displayed. Click on the “Make Payment” option 
• Select the amount you want to pay and the mode of payment that you prefer 
• Make the payment instantly and the limit will be released on the same day

RBL Credit Card Payment through BillDesk

• Visit the Bill Desk Portal of RBL Bank by clicking here
• Read the information carefully and click on the Proceed button 
• Now provide your credit card details, email ID, mobile number and select your preference for the payment 
• Confirm the payment and submit the request
• The payment will be done instantly and a confirmation will be sent to the mobile number and email ID

Also Read: Credit card Bill Payment through BillDesk

RBL Bank Credit Card Bill Payment through UPI

Cardholders can also make the RBL credit card payment through UPI by following the simple steps mentioned below:

• Choose either netbanking or RBL Bank MyCard app for making the payment through UPI
• Select the Bill Payment option in the Credit Cards section
• Enter the amount you need to pay and click on the Submit option
• Select the UPI option
• Enter your VPA and click on “Request” to proceed
• Open the UPI app of your choice in your phone and make the payment
• The payment will be credited to the card account instantly

Do note currently you cannot pay your RBL Bank credit card bill through UPI using Account number and IFSC Code.

RBL Bank Credit Card Bill Payment through NEFT using IFSC Code

Cardholders can make the RBL credit card bill payment through NEFT by following these simple steps:

• Login to your netbanking account from any bank
• In the “Fund Transfer” section, select the NEFT option
• Add beneficiary, if required or enter beneficiary details directly
• Beneficiary Details are as follows –
  • Payee Name: Name on your RBL Bank Credit Card
  • Payee Account Number: 16-digit Credit Card number
  • Bank Name: RBL Bank
  • RBL Bank IFSC Code: RATN0CRCARD
  • Branch Location: NOC Goregaon, Mumbai
• Make the payment using your savings account
• The amount will be debited and the amount will be paid for your credit card outstanding

How to Pay RBL Bank Credit Card Bill through RTGS using IFSC Code

If your credit card bill goes over over Rs. 2.00 lakh then you may pay the bill via RTGS, Real Time Gross Settlement. Before you pay the bill you will have to add the credit card to the list of beneficiaries. The details that you will have to enter can be found here. The RBL credit card payment IFSC Code will be RATN0CRCARD. To pay follow the below-given steps:

• Login to a net banking account where the Kotak credit card is added to the list of beneficiaries
• Head over to Funds Transfer section
• Select RTGS
• Choose the card from the list of beneficiaries and review the details
• Enter the amount and make the RBL Bank credit card payment

RBL Bank Credit Card Bill Payment through NACH using Any Bank Account

All bank account holders can make the payment for RBL credit cards online through NACH (National Automated Clearing House). Steps for carrying it out are mentioned below:

• Register for the service by sending a form to the RBL Bank
• Once registered, the amount will be debited every month automatically from the bank account mentioned in the application form
• The facility can be disabled any time
• One can download the NACH Mandate Form by clicking here

RBL Bank Credit Card Bill Payment through Debit Cards

One can make the RBL credit card bill payment through SBI debit card, ICICI, HDFC, Axis, Kotak or any other bank debit card by following a few simple steps:

• Login to the netbanking account
• Select Credit Cards from the Bill Payment option
• Now select the Debit Card Option from the list and select either Razorpay or Bill Desk 
• Enter the card details, amount, email ID and submit the request 
• Now enter the debit card details of your bank and submit the request
• The payment will be processed and the amount will be credited to your credit card account

Cardholders can make the RBL credit card bill payment offline as well through cheque or cash.

RBL Bank Credit Card Bill Payment through Cash

• Visit the branch of the bank to make the payment directly by cash
• You might have to provide your PAN in case the amount is more than Rs. 50,000
• A fee of Rs. 250 + GST will be charged for every transaction
• The credit card limit will be released the very same day and the payment ill be credited on the next working day

RBL Bank Credit Card Bill Payment through Cheque

• RBL credit cardholders can make the payment through cheque as well
• They can either deposit the cheque in the bank directly or send the cheque through courier to the address mentioned below:

RBL Bank Limited,
Cards Operating Centre,
Unit: 306 –311, 3rd Floor,
JMD Megapolis,
Sohna Road, Sector – 48,
Gurugram – 122 018, Haryana.

• No additional fee is charged for such transactions
• The payment of the credit card bill is subject to the clearing of the cheque so it is recommended that the payment, if done through cheque, should be done days before the due date ends

When will I be able to use the blocked limit again?
The cardholder can use the blocked limit again as soon as the payment is released against the credit card.

I do not have RBL account but have the credit card. How can I make the payment?
You can make the RBL credit card bill payment online through any bank netbanking account using NEFT/UPI, through Bill Desk or through the Debit Card option.

How can I pay my credit card bill with another credit card?
In case there is a lot of outstanding on your RBL credit card, you can opt for credit card balance transfer and prevent from paying huge interest on your credit card.

Can I pay my credit card bill with same credit card?
It is not possible to pay the RBL credit card bill using the same credit card. The cardholder can make the payment through another bank account or the same bank account that is linked with the RBL credit card.

Can I pay credit card bill from Google Pay?
You can make the RBL credit card bill payment through UPI option in the RBL Bank MyCard mobile app. You have to raise the payment request in the app and make the payment using the Google Pay app.

As a relief measure for those whose income and cash flow has been affected due to COVID-19, RBI has instructed banks and NBFCs to allow EMI moratorium to their credit cardholders. RBL Bank is also following the same and you can defer your credit card bills August 2020. More highlights about this are given below:

• If you choose the moratorium, you need not make any payment towards your credit card bill
• Interest charges will be applicable on the outstanding amount
• Late payment charges will not be applicable during this period
• Any payments or EMIs are not waived off under this facility; they are only deferred for the 3-month period
• You will have to pay the total outstanding amount on the due date after August 2020
• Opting for the moratorium and not paying the bill during the period will not affect your credit score
• All cardholders whose account is not overdue as on 29^th Feb 2020 will be eligible for the moratorium benefit

Click here to read more about RBL Bank Credit Card COVID-19 Moratorium

RBL Bank Credit Card Moratorium FAQs

Is it mandatory to take the moratorium benefit on RBL Credit Cards?

No. If you can manage to pay the bills regularly, you should do so. This facility is to benefit those who have suffered loss of income or disruption in their cash flow due to the lockdown because of coronavirus pandemic.

Do I have to pay the entire amount at once after the moratorium period is over?

The bill due after the moratorium period ends will show the total due including your previous dues, interest charges, GST and any other charges as applicable to your card. You can choose to pay the total outstanding amount, minimum due amount or any other amount between the two.

Can I make normal usage on my RBL Credit Card if I choose moratorium?

No. RBL Bank has put restriction on new purchases if you opt for the moratorium facility.

Can I make payments even if I have chosen the moratorium benefit?

Yes. You can make payments. In fact, it will reduce your interest burden. And if you manage to pay at least the minimum amount due, you may also be able to make fresh purchases on the card.