RBL Bank Credit Card Payment Online

Last Updated : April 22, 2025, 12:43 p.m.

Making timely credit card payments is crucial for maintaining a good credit score and avoiding unnecessary charges. RBL Bank offers multiple convenient payment options to help cardholders manage their credit card bills efficiently. This article covers everything you need to know about RBL Bank credit card payments, including various payment methods, associated fees, processing times, and useful tips for effective credit card management.

Various Methods of Paying RBL Credit Card Payment Online

RBL Bank provides several payment options to make your credit card bill payments hassle-free:

RBL Credit Card Payment via Net Banking

• RBL Bank’s net banking service for RBL Bank credit card payments is completely free of charge.
• When you make a payment through this method, your available credit limit is released on the same day, and the payment is credited to your card account by the next day.
• The transaction process is designed to be quick and secure.

To use this service, simply log in to your RBL Bank account and navigate to the credit card payment section where you can complete your RBL Bank credit card payment in a few simple steps. Here are the steps to do so

Step 1: Sign into your RBL Bank account with your credentials

Step 2: Find and select the Bill Payment option in the menu

Step 3: Choose "Add Biller" and select RBL Bank Credit Card

Step 4: Enter your credit card number and payment amount

Step 5: Choose your account and click the payment button to proceed towards completing the payment.

RBL Credit Card Payment by Using Another Bank's Account

• If you prefer using net banking from other banks, this service is also free of charge.
• Like RBL Bank’s net banking, your available credit limit is released on the same day.
• But, it may take up to 3 days for the payment to get reflected in your card account.

This payment option is facilitated by multiple payment gateways including Billdesk and Razorpay, ensuring a smooth transaction process regardless of your bank.

Here are the steps:

Step 1: Access your non-RBL bank's online banking portal

Step 2: Go to the NEFT or fund transfer section

Step 3: Register RBL Bank as a new beneficiary with your IFSC code and card details

Step 4: Input the desired payment amount

Step 5: Verify all information and authorize the transaction.

RBL Credit Card Payment via Debit Card

You can make RBL Bank credit card payments using the debit cards of any bank.

• The debit card payment option works with debit cards from any bank, offering flexibility to cardholders.
• No convenience fee is imposed for this payment mode, making it economical
• When you pay using a debit card, your available credit limit is released on the same day, though the payment may take up to 3 days to be credited to your account.
• The process is simple and straightforward, requiring just your debit card details and a few verification steps to complete the transaction.

RBL Credit Card Payment through UPI

You can complete your RBL Bank credit card payments using UPI apps.

• UPI payments can be made using your Virtual Payment Address (VPA), offering a modern and convenient payment solution.
• This service is free with no additional charges imposed by RBL Bank.
• When you pay via UPI, your available credit limit is released on the same day, and the payment is typically credited by the next day.
• This payment method is particularly convenient for smartphone users who already use UPI apps for their daily transactions, allowing for quick and easy payments without the need to remember card details.
• You can either use the:
  • RBL MyCard App or
  • Other UPI apps to make payments are:
    • PhonePe
    • Google Pay
    • Paytm

The steps to pay through other UPI apps are as follows:

Step 1: Open your preferred UPI enabled app.

Step 2: Choose “Pay Credit Card Bill"

Step 3: Search for the option, "Pay Credit Card Bill" or an equivalent choice to initiate a credit card payment.

Step 4: Key in the information about the card including the CVV, card number, and expiry date.

Step 5: Verify the information including the bill amount, recipient’s name, and the UPI Pin to complete the transaction.

RBL Bank Credit Card Payment via NEFT

NEFT is a hassle free and simple channel to make your RBL Bank Credit Card payments.

• NEFT payments can be done from any bank account, providing you the flexibility in handling your finances.
• This method attracts no convenience fee. The limit is released on the same-day and the payment will be credited to the bank account by the next day.
• To make a NEFT payment, you’ll require multiple important details:
  • Payee name: Your name as it displays on your RBL Bank Credit Card
  • Your 16-digit Credit Card number as the Payee Account Number
  • RBL Bank as the Bank Name
  • RATN0CRCARD as the IFSC Code
  • NOC Goregaon, Mumbai as the Branch Location.
• With this information, you can initiate a NEFT transfer from any bank account.

RBL Credit Card Payment via MyCard Mobile App

• The dedicated RBL MyCard mobile app is specifically designed for RBL Bank credit card payment management, offering a comprehensive solution for your credit card needs.
• The app enables you to make payments using other bank accounts, with instant payment processing that streamlines the experience.
• Beyond payment, the app offers additional features for account management, giving you greater control over your credit card.
• The app is readily available for download on both the Play Store for Android devices and the App Store for iOS devices, making it accessible to most smartphone users.

RBL Credit Card Payment through Cash

Cash can be used make RBL Bank Credit card payments

• Cash payments for your RBL credit card are accepted at all RBL Bank branches, providing an in-person option for those who prefer traditional banking methods.
• This service incurs a fee of INR 100 plus GST per transaction, making it one of the few payment options with an associated cost.
• With cash payments, both the available limit release and payment credit occur by the next day.
• This option is particularly suitable for those who prefer in-person banking or may not have access to digital payment methods.

RBL Credit Card Payment by Cheque

Cheques are traditional modes of payment to make RBL Bank credit card payments

• Cheque payments can be deposited at any RBL Bank branch or couriered to the bank’s processing center.
• Cheques must be written in honor of RBL Bank Card <16 digit card number>
• This service is provided free of charge with no additional convenience fees.
• The time taken for your payment to get credited depends on the realization of your cheque. This generally takes a few business days.
• If you choose to send your cheque by courier, you should dispatch it to the following address: RBL Bank Limited, Cards Operating Centre, Unit: 306-311, 3rd Floor, JMD Megapolis, Sohna Road, Sector - 48, Gurugram - 122 018, Haryana.
• Be sure to write your credit card number on the back of the cheque for proper processing.

RBL Bank Credit Card Payment through NACH (National Automated Clearing House)

• The NACH payment option allows you to set up automatic payments from any bank account to make your RBL Bank credit card payments, creating a hassle-free payment experience.
• This service is provided free of charge and features next-day processing for both available limit and payment credit.
• To utilize this convenient option, you’ll need to complete a registration process by filling out a form available on the RBL Bank website.
• Once set up, your credit card bill will be automatically paid on the due date, eliminating the risk of missed payments.

RBL Bank Credit Card Payment via Standing Instructions

Those who want to automate their RBL Bank credit card payments can provide standing instructions to make automatic payments.

• Standing instructions are available exclusively for existing RBL Bank account holders, offering a streamlined payment solution.
• This service enables automatic monthly payments directly from your RBL Bank savings account, ensuring you never miss a payment due date.
• To set up this convenient service, you need to submit a duly filled standing instructions form to [email protected].
• Once established, your credit card bill will be automatically settled each month without any manual intervention required.

Fees and Processing Times For RBL Bank Credit Card Payments

Tips for Effective RBL Credit Card Payment Management

1. Set up payment reminders

Setting up payment reminders is crucial to avoid missing due dates for your RBL Bank credit card payments. You can mark your calendar or set phone alerts for payment due dates to ensure you never forget. Additionally, RBL Bank assists by sending SMS and email reminders before your due date. These notifications serve as helpful prompts to ensure your payment is made on time, protecting your credit score and helping you avoid late payment fees.

2. Pay more than the minimum amount

Paying only the minimum amount due for your RBL Bank credit card payment each month leads to interest accumulation on the remaining balance, which can significantly increase your overall debt over time. Whenever possible, aim to pay the full outstanding amount to avoid interest charges completely. If paying the full amount isn’t possible, try to pay as much as possible above the minimum amount. This practice will help reduce your outstanding balance faster and minimize interest payments.

3. Consider automatic payment options

Setting up NACH or Standing Instructions provides a hassle-free payment experience that ensures you never miss a payment deadline. These automatic payment options remove the need to remember due dates or manually initiate payments to make your RBL Bank credit card payments each month. Once set up, your payment will be processed automatically according to your instructions, whether it’s for the minimum due, a fixed amount, or the full outstanding balance. This convenience can save time and eliminate the stress of managing monthly payments.

4. Keep track of your spending

Regularly monitoring your credit card transactions is essential for maintaining control over your finances. The RBL MyCard Mobile App offers real-time tracking of your spending, allowing you to stay informed about your card usage. By keeping a close eye on your transactions, you can quickly identify any unauthorized charges, monitor your spending patterns, and make adjustments to your budget as needed. This proactive approach helps prevent overspending and ensures you’re prepared when your bill arrives. This helps you to make your RBL Bank credit card payments with ease, without falling into any debts or facing a financial crunch.

5. Be aware of your billing cycle

Understanding your billing cycle helps plan payments better and manage your finances more effectively. RBL Bank typically provides a 20-day grace period after the billing date, giving you time to arrange for making your RBL Bank credit card payments. Knowing when your billing cycle ends and when your payment is due allows you to plan your expenses accordingly. This knowledge can help you time large purchases optimally and ensure you have sufficient funds available when the payment is due.

6. Maintain sufficient funds

Ensuring adequate balance in your payment account is crucial to avoid RBL Bank credit card payment failures. Insufficient funds can lead to payment failure and potentially result in late fees if you’re unable to make an alternative payment before the due date. To prevent this situation, check your account balance before initiating a payment or schedule your payment a few days before the due date to allow time for alternative arrangements if needed. This simple practice can help avoid unnecessary fees and payment-related stress.

7. Keep your contact information updated

Ensuring RBL Bank has your current email and phone number is essential for receiving important notifications about RBL Bank credit card payments. Updated contact information allows the bank to send you timely alerts about due dates, successful payments, and any issues that may arise with your account. Without these notifications, you might miss critical information about your credit card. Make it a habit to update your contact details whenever there’s a change to stay informed about your account status.

8. Check payment confirmation

Always verifying that your RBL Bank credit card payment has been processed provides peace of mind and helps avoid potential issues. After making a payment, check for confirmation messages or emails from the bank. Additionally, saving payment receipts or confirmation messages creates a record that can be useful if there are any disputes or questions about your payment. This simple verification step ensures your payment is properly credited to your account and helps maintain an accurate record of your financial transactions.

Benefits of Timely RBL Bank Credit Card Payments

1. Avoid late payment fees

Late RBL Bank credit card payments typically incur significant penalties that can add up quickly. These fees are often substantial and add to your overall credit card debt, making it more difficult to clear your balance. By ensuring timely payments, you can completely prevent these unnecessary charges. The money saved by getting rid of late payment fees can be used to reduce your outstanding balance or for other financial goals instead, improving your overall financial health.

2. Maintain a good credit score

Timely payments have a positive impact on your credit history and are one of the most essential factors in determining your credit score. Payment history generally accounts for about 35% of your credit score computation. A good credit score helps in future loan approvals, potentially securing better interest rates on mortgages, car loans, and other forms of credit. Consistent, on-time RBL Bank credit card payments demonstrate financial responsibility to lenders and can open doors to better financial products and services.

3. Interest savings

Making the RBL Bank credit card payment in full by the due date helps avoid interest charges, which can result in significant savings over time. Interest on credit cards is typically charged at a high rate, often between 24-42% annually. By clearing your balance in full each month, you essentially use your credit card as an interest-free loan for the billing period. These savings can be substantial, especially if you regularly carry a high balance on your card.

4. Continued card benefits

Regular RBL Bank credit card payments ensure uninterrupted card services and benefits that you’ve come to rely on. Many credit cards offer rewards programs, cashback, insurance coverage, and other perks that enhance their value. Payment defaults might lead to suspension of these programs, causing you to lose out on accumulated rewards or benefits. By maintaining timely payments, you ensure continuous access to all the advantages your RBL Bank credit card offers.

5. Enhanced credit limit

Responsible repayment behavior may lead to credit limit increases over time, as it demonstrates your ability to manage credit responsibly. Higher limits provide more flexibility in emergencies and can improve your credit utilization ratio, which positively affects your credit score. RBL Bank periodically reviews accounts with good payment histories for potential limit increases. This additional credit capacity can be valuable for larger purchases or unexpected expenses, offering greater financial flexibility when needed.

6. Security Considerations

Never share your credit card details, CVV or OTP with anybody, even if they claim to be from RBL Bank. Always make payments through official channels listed on the RBL Bank website to avoid potential scams. Be cautious of phishing attempts requesting your card information via email, phone calls, or text messages. Report unauthorized transactions immediately at the RBL Bank customer service hotline to minimize potential losses. Enable transaction alerts for real-time monitoring of card usage, which allows you to quickly identify and report any suspicious activity on your account.

Conclusion

Managing your RBL Bank credit card payments efficiently helps maintain financial discipline and avoid unnecessary charges. With multiple payment options available, you can choose the one that best suits your convenience. Making timely payments not only safeguard you from penalties but also contribute to building a strong credit history. For the most current information on payment methods and processes, always refer to the official RBL Bank website.