Canara Bank Credit Card Bill Payment | How to Pay & Updated Guide

Key Insights
 

1. Canara Bank offers several convenient online ways to pay your credit card bill. The bank’s official bill-payment portal and partner payment gateways allow quick one-time payments.
    
2. You can also pay via the Canara Bank mobile banking app or through internet banking. These digital channels are available 24×7 except during occasional maintenance windows. 
    
3. UPI payments for personal transfers are free for users (NPCI/government policy), while NEFT/RTGS charges depend on how you initiate the transfer. Online NEFT/RTGS through internet/mobile banking is free, but branch-based outward NEFT/RTGS may incur nominal charges as per Canara Bank’s schedule

Canara Bank Credit Cards give you the freedom to spend whenever you need, and they also help you save through discounts, offers, and reward points.

You can spend whenever you want, but you should also focus on Canara Bank Credit Card Bill Payment because it is essential for your credit score. Timely payment makes it easier for you to get a loan without boundaries, whether a home loan, a personal loan or a vehicle loan.

If your monthly credit card bill is ₹5,000 and you pay it 5 days before the due date, your credit score remains strong, and you also avoid late payment charges.

In this blog, you can easily learn how to use Canara Bank Credit Card Bill Payment methods, such as Online, Website, Net banking, Mobile App, UPI, and RTGS/NEFT.

Canara Bank Credit Card Bill Payment - Online Methods 

Canara Bank offers multiple online options to pay your credit card bill. These methods are convenient and save you the trouble of visiting a branch.

Canara Bank Credit Card Bill Payment - Through Website

You can pay your Canara Bank credit card bill directly through the official Canara Bank bill payment webpage. Follow these simple steps:

1. Go to Google and type “Canara Bank Credit Card Bill Payment”. Open the official Canara Bank bill payment page from the search results. 
2. Select the bill payment section on the Canara Bank Credit Card bill payment page.
3. Navigate to the Finance/Tax category and select Credit Card.
4. Search for your credit card type and select it.
5. Enter your mobile number and the last 4 digits of your credit card.
6. Click Fetch Bill and enter the OTP received on your registered mobile number.
7. Choose your preferred payment mode, such as Net Banking, UPI, or Debit Card.
8. Enter the bill amount and complete the payment.

These steps explain the correct and clear process to pay your Canara Bank Credit Card Bill through the website.

Canara Bank Credit Card Bill Payment through Mobile App

If you need to pay your Canara Bank Credit Card Bill Payment through the Mobile App, then you have to follow these simple steps, which help you to pay your bills fast.

1. You can install the Canara Bank App. 
2. Then you have to log in to your Canara Bank App through your Customer ID.
3. Choose the manage your debit and credit cards option after logging in.
4. Then choose your credit card. You can pay the full amount of the bill, the minimum due amount, or any other amount.
5. Then choose your payment method, Net Banking, UPI, or Debit Card, and complete the Canara Bank Credit Card Bill Payment.

These are the simple steps to complete your Canara Bank credit card bill payment through the mobile App.

Canara Bank Credit Card Bill Payment through Net Banking

The Canara Bank Credit Card Bill Payment through Net Banking is a simple process you can use at any time from anywhere. Here are the steps for the Canara Bank credit card bill payments:
 

• Log in to Internet Banking through username, password and CAPTCHA code.
• Click on the ‘Proceed’ tab and enter the OTP on your registrar mobile number.
• Choose the Credit Card Bill payment option, and provide the details required.
• Enter the OTP received on your registered mobile number and the transaction password.
• Once the transaction is authenticated, your savings account will be debited.
• A successful transaction acknowledgement will be displayed on the screen.

These are the simple steps for Canara Bank credit card bill payments through Canara Bank Net Banking.

Canara Bank Credit Card Bill Payment through UPI

The Canara Bank accepts credit card bill payment through UPI. Here are the simple steps to pay your Canara Bank credit card bill through UPI:
 

1. Open your UPI app (for example, Google Pay, PhonePe, CRED, or the app you use).
2. Go to “Pay/Recharge & Pay Bills/Bill Payment” (or the app’s Bill Payments section).
3. Select “Credit Card” as the biller category. In some apps, this appears as “Credit Card” under the “Cards” section.
4. Search for “Canara Bank” (or the issuing bank shown on your card) in the biller list and choose the correct Canara Bank credit-card biller. Verify the biller name carefully.
5. Add the card as a biller by entering the required details, such as the 16-digit credit card number and your registered mobile number (or sometimes the last 4 digits + mobile). Then tap Fetch Bill (or Next). The app will show the card details it fetched.
6. Confirm the displayed card details (name / last 4 digits) and enter the amount you want to pay (minimum due or full amount).
7. Choose the linked bank account/UPI VPA you want to pay from and confirm. Enter your UPI PIN when prompted to authorize the payment.
8. After successful authentication, you will get a payment confirmation in the app and an SMS from your bank. Save the confirmation for records.

These are some simple steps for the Canara Bank Credit Card Bill Payment through UPI.

Bonus Tip: The Reserve Bank of India (RBI) has introduced new guidelines that require credit card issuers to provide at least a 3-day grace period before charging late fees on credit card bill payments, and limit how much can be charged on overdue amounts. This helps cardholders avoid excessive late fees if they pay just after the due date.

Canara Bank Credit Card Bill Payment through NEFT/RTGS

The Canara Bank allows you to pay the Bill Payments through NEFT/RTGS at any time according to your preference without any extra charges. Here are the steps for the Canara Bank Credit Card Bill Payment through NEFT/RTGS.

1. Log in to your bank's internet banking portal through Customer ID and Password..
2. Select "RTGS" or "NEFT"
3. From the beneficiary list, pick your saved Canara Bank credit card.
4. Enter the amount you want to pay. You can choose the minimum due, the full amount, or any other amount you prefer.
5. Add your 16-digit credit card number in the remarks section to help process your payment faster.
6. Finish the transaction by following your bank's authentication steps, such as entering an OTP or transaction password.
7. Now your payment is done, and you will receive a message from your bank stating that the amount has been debited from your account.

These are simple steps of the Canara Bank Credit Card Bill Payments, which save you time and energy.

Tips for Hassle-Free Canara Bank Credit Card Bill Payment

The Canara Bank Credit Card Bill Payment process is simple, though some tips help you to make Hassle-free Canara Bank Credit Card Bill Payment. Here are some tips:

• You can set your credit card bill payment on autopay according to your preference. In this, you don’t need to worry about your credit card bill payment.
• You can pay your credit card bill through net banking, which is secure, and you can pay at any time from anywhere.
• You can use third-party apps for paying your Credit Card Bills, such as Phonepay, Gpay, and BHIM.
• If you pay your bill a few days before the due date, it helps maintain a good credit score, which improves your chances of getting loans such as housing loans, personal loans, vehicle loans, or emergency loans.

These tips help you pay your Canara Bank credit card bills on time and manage your money smoothly.

Conclusion

The Canara Bank Credit Card Bill payment is a simple process. You can choose any payment method that suits you, such as the website option, mobile app, net banking, UPI, or RTGS/NEFT.

You can also use UPI to pay your credit card bill easily and at any time. Most UPI transactions are free. Customers should check the latest fee schedule if Canara Bank ever applies a fee under its terms and conditions.

FAQs

What should a customer do in case they have entered the wrong credit card number while making payments?

Customers are asked to enter their credit card number twice for security. If you enter the wrong number, call customer care for help.

How can I make an offline payment towards my Credit Card Bill?

You can pay your credit card bill at any branch of the Canara Bank.

Is there a separate credit card statement for Canara Bank add-on credit cards?

No, the total outstanding amount incurred on Canara Bank's add-on credit cards will be billed to the credit card statement of the main card.

What happens if the minimum payment due is not paid on a Canara Bank credit card bill?

If you do not pay the minimum amount due within 90 days of the statement date, your name will be reported to credit rating agencies in India, and you may be blocked. This can be reversed if you clear your dues and request removal.
 

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.