How To Pay Credit Card Bills Using a Debit Card

To enjoy revolving credit benefits, you must pay your Credit Card bills on time. Timely bill payments help enhance your credit score and make you appear creditworthy to lenders. Your Credit Card providers allow you to choose from various payment methods, including Debit Cards, net banking, mobile banking and online wallets. What’s more, you can pay Credit Card bill with Debit Cards linked to your favourite online payment app – HDFC Bank’s PayZapp. Here’s all you need to know.

Each month, your Credit Card provider sends you a detailed statement that outlines all your expenses. This statement is typically generated on a specific date, and you have 15 to 20 days from that date to settle your bill. Creditors offer various payment options, including the use of Debit Cards. If your bill is higher than usual, you can split the payment across multiple Debit Cards and make partial payments on different dates before the due date. This approach helps manage your account balances and allows you to spread out your payments for better cash flow management.

How to Pay Your Credit Card Bill with a Debit Card

Paying your Credit Card bill with a Debit Card is a straightforward process. Follow these steps to complete your payment:

• Step 1: Visit your Credit Card provider’s website or open their mobile app.
• Step 2: Select your Credit Card bill and click the ‘Proceed to Pay’ option.
• Step 3: Enter your 16-digit Debit Card number, expiration date, and the CCV.
• Step 4: Specify the amount you wish to pay, whether partial or full.
• Step 5: Enter the One-Time Password (OTP) sent to your registered mobile number linked to your Debit Card to complete the transaction.

If you make a partial payment using one Debit Card, repeat these steps to pay the remaining amount with another. For added convenience, you can link your Debit Cards to PayZapp and pay your Credit Card bill without repeating these steps.

PayZapp is a one-stop digital payment solution that allows you to pay all kinds of bills effortlessly. To start using it, you must first download it on your smartphone and set up your account by linking your HDFC Bank and/or other bank credit, Debit Cards, and UPI accounts. Upon completing these steps, you can initiate all kinds of payments, including Credit Card bill payments.

Follow these steps to conveniently pay your Credit Card bill using a Debit Card on PayZapp:

• Step 1: Log in to your PayZapp account and click ‘Bills and Recharges’ to access the extensive list of billers.
• Step 2: Scroll down to the ‘Financial Services’ section and select ‘Credit Card.’
• Step 3: Search for your creditor’s name from the drop-down menu and enter your Credit Card number.
• Step 4: Wait a few seconds for PayZapp to fetch your bill details. Once loaded, enter the amount you wish to pay and click ‘Proceed.’
• Step 5: Apply any best offers or promo codes to maximise savings.
• Step 6: Choose a PayZapp-linked Debit Card as your payment method and complete the transaction.

Your Credit Card bill will be paid seamlessly. PayZapp stores all your biller information in the Bill Payments section for your convenience. If you’ve made a partial payment, simply click on your Credit Card biller in the Bill Payments section, select a second Debit Card as the payment method, and settle the remaining balance. This way, you won’t need to re-enter your Credit Card details, making the process quicker and hassle-free.

By linking your Debit Card and using PayZapp to pay your bills, you can enjoy a range of benefits:

• PayZapp conveniently stores your frequently used billers on the home page for easy access.
• You can view your bill on PayZapp as soon as your service provider generates it.
• Review your Credit Card payment details and check the transaction status in the Passbook and Insights sections of PayZapp.
• Take advantage of offers and rewards on Credit Card bill payments by applying relevant promo codes.
• Additionally, you can use other payment methods, including UPI and Debit Cards, to settle your Credit Card bills.

Paying your Credit Card bills on time is incredibly important, especially if you wish to avail additional credit facilities like loans in the future. PayZapp helps you ensure you never miss a payment and allows you to choose from different payment methods, including multiple Debit Cards, the PayZapp cash wallet and your preferred UPI Accounts. It streamlines all your payments on a single platform.

Click here for UPI payment through PayZapp on your IOS phone.

Click here to pay online through PayZapp on your Android phone.

Download PayZapp today to manage your credit card bill payments efficiently.

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.