How to Pay Credit Card Bill Using Another Credit Card

Ever Pay Your Credit Card Bill Using Another One? Welcome to the Card-on-Card Jungle!

Picture this: Raj, a Delhi-based marketing executive, just had the baap of all shopping sprees during an online mega sale. His credit card bill? A jaw-dropping ₹48,327. 

Payday is still two weeks away, and his savings account is emptier than a biscuit tin at a kids' party. 

But wait, Raj has a second credit card with a limit of ₹75,000 and has barely used ₹ 5,000 on it. His mind starts racing: “Can I pay my credit card bill from another credit card?”

Spoiler alert: Yes, he can, but not the way you think.

In the world of plastic money, knowing how to pay a credit card bill with another credit card can turn your financial panic into a smooth juggle. This blog is your backstage pass to mastering the art of credit card-to-credit card payments, India-style! 

We are talking balance transfers, wallet whiz-tricks, and UPI hacks so slick, even your banker might raise an eyebrow.

Paise ki chakki slow grind kare, lekin jugadoo mind sab pe bhaari!

Read on to decode the tricks, tips, and calculations behind this not-so-obvious financial rescue mission.

Understanding the Concept: How to Pay a Credit Card Bill from Another Credit Card?

In India, the direct transfer of money from one credit card to pay another credit card bill is not allowed in the conventional sense. However, several indirect but legal methods exist, making the process possible and sometimes even rewarding.

Here is a summary table of the most common techniques:

Let us explore each of these in funky Indian detail.

1. Balance Transfer: The King of Smart Moves

This method allows one to shift the outstanding dues from Card A to Card B. Major Indian banks like HDFC Bank, SBI Card, and ICICI Bank offer this facility.

Read More – The Truth About 0% Interest Balance Transfers—Are They Really Free

Example:
 

Sneha owes ₹50,000 on her Axis Bank credit card. Her HDFC card has an unused ₹1,00,000 credit limit. She applies for a balance transfer of ₹50,000 from HDFC, which approves it at a 0.75 % monthly interest rate for 6 months.

 Total interest = ₹50,000 x 0.0075 x 6 = ₹2,250
 

 Total repayment = ₹52,250

This way, Sneha avoids hefty late fees and maintains a safe credit score.

"Smart log balance transfer karte hain, default nahi!"

2. Using Digital Wallets and UPI Loopholes: The Techie Trick

Digital wallets like Paytm, PhonePe, and MobiKwik have made it easier to loop money between two credit cards, albeit creatively.

How it works:

• Load money into a wallet using Card B
  
  
• Transfer wallet balance to a savings account (not available for all cards)
  
  
• Use a savings account or UPI to pay the Card A bill
  
  

Example:
 

Aman adds ₹10,000 to his Mobikwik wallet using his Kotak credit card. He then transfers the amount to his bank account for ₹200 in fees and pays off his SBI credit card dues.

Calculation:
 

Load: ₹10,000
 

Transfer Fee: ₹200
 

Total Cost: ₹200 to shift credit from Card B to pay Card A

Note: This method is not officially endorsed and depends on wallet policies, which are subject to frequent changes.

"Jab jugaad chal jaaye, toh paisa bhi dance kare!"

3. Cash Withdrawal Using Card B and Paying Card A: A Risky Adventure

Most credit cards allow users to withdraw cash, though at very high charges.

Example:
 

 Priya withdraws ₹20,000 from her ICICI credit card at a 2.5 % withdrawal fee and 3.4 % monthly interest. She uses this to pay her Axis card bill.

Breakdown:

• Withdrawal Fee = ₹20,000 x 0.025 = ₹500
  
  
• Monthly Interest = ₹20,000 x 0.034 = ₹680
  
  
• If repaid after one month, total cost = ₹500 + ₹680 = ₹1,180
  
  

Priya ends up paying 5.9 % in just one month. Ouch.

Use this only in emergencies. Or better, do not.

"Cash nikala, interest jala! Think twice, bro!"

4. Taking a Loan on a Credit Card: Smooth but Long-Term

Several banks offer personal loans against the unused credit card limit. This loan amount is deposited directly into the bank account, from which you can pay off the other card.

Example:
 

 Ritesh takes a loan of ₹60,000 from his Axis credit card. The bank charges an annual interest rate of 14% over 12 months. He uses this to settle his Citi card dues.

Total Interest:
 

 ₹60,000 x 0.14 = ₹8,400 per annum
 

 Monthly EMI = ₹5,700 approximately

This method is clean, transparent, and more suitable for long-term borrowers.

"Loan lekar bill chukao, tension hatao!"

5. Using Third-Party Portals for Credit Card Bill Payments

Several online portals allow you to pay one credit card bill using indirect sources. Examples include Cred, Paytm, and Amazon Pay.

Example:
 

 Neha uses her ICICI Amazon Pay card to buy a ₹10,000 gift voucher. She sells the voucher on a peer-to-peer platform or uses it to pay for essential purchases, freeing her bank balance to pay her HDFC credit card dues.

Also Read – Debt Consolidation Vs Balance Transfer – Which One Saves You More?

Some portals also offer credit line services or 'Pay Later' features, allowing rotation of funds.

"Thoda dimaag lagao, aur bill time pe chukao!"

Key Points to Remember While Paying Credit Card Bill from Another Credit Card

"Karz chukana hai classy, toh planning honi chahiye sassy!"

How This Impacts Your Credit Score?

Paying your credit card bill from another card can be a double-edged sword. While it helps you avoid missing payments, high utilisation or multiple open debts may negatively affect your credit profile.

Example:
 

If Arjun uses 80% of Card B’s limit to pay Card A’s bill, his overall credit utilisation crosses 50%. This could lower his credit score by 30 to 50 points.

Best practice? Keep utilisation below 30% and avoid long-term balance rotations.

Total Cost Comparison for ₹50,000 Payment

"Sahi time pe sahi tareeka chuno, warna paisa hi dard ban jaayega!"

Conclusion

Knowing how to pay a credit card bill with another credit card is not only a modern-day money skill but also a lifesaver when used wisely. Whether it's a balance transfer, a wallet hack, or a strategic loan, the key lies in understanding the terms, charges, and implications.

In a financial jungle like India, where cashback, points, and payment deadlines are everywhere, mastering these tricks gives one the edge. Use this knowledge responsibly. Do not make a habit of shifting debt without repaying it.

"Akhri mein yahi kehna hai, paiso ka jugaad hamesha kaam aata hai!"

For more reliable options and tools, check out the official websites mentioned throughout this blog. They offer calculators, eligibility checkers, and real-time assistance for safer transactions.

So next time you ask, “Can I pay one credit card bill from another?” smile wide and say, “Yes, in five funky ways!”

Stay smart. Stay sassy. Stay credit-savvy!

Frequently Asked Questions

1. Can I directly pay one credit card bill using another credit card?
 No, Indian banks do not allow direct payments from one credit card to another. You must use indirect methods like balance transfers or wallet tricks.

2. Is balance transfer a good option for large payments?
 Yes, balance transfer is ideal for large amounts, especially when there is a low or zero interest period. Always read the fine print for fees.

3. Will paying credit card bills from another card affect my credit score?
 It can, if your credit utilisation ratio becomes too high. Try to keep your overall utilisation below 30 percent of your credit limit.

4. Which wallets allow credit card loading and transfers?
 Wallets like Paytm and Mobikwik allow credit card loading. However, transfer to a bank account is subject to change based on policies. Always check before using.

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LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?