RBL Credit Card Bill Payment — Easy & Secure Online Methods

Key Highlights
 

1. RBL offers multiple online payment methods such as the official payment page, the MyCard app, net banking, UPI, NEFT, and RTGS.
    
2. For NEFT and RTGS, you can add your 16-digit card number as the beneficiary and use IFSC: RATN0CRCARD for NOC Goregaon, Mumbai.
    
3. Payments from an RBL account and UPI usually reflect fast, while payments from other bank accounts or debit cards may take up to three days, so pay early.

Paying your credit card dues is your moral and financial responsibility. ‘Isse bacjkar kaise bhagaoge?!’ To help you in the entire process, RBL Bank has provided various ways in which you can pay your credit card dues. We will discuss those paths in this blog. 

RBL Credit Card Bill Payment Overview

RBL Bank provides multiple digital and offline modes for paying your credit card bill. The bank wants to offer convenience, security, and flexibility to its customers. Using online models, you can save your time and make your RBL Credit Card payment in seconds. You just need to remember your credentials, like your UserID, mPIN, etc. 

RBL Credit Card Bill Payment – Online Methods

"Online methods" broadly refer to payment methods done through internet channels (browser or app). For RBL, common online methods include:

1. Website / Web portal payments
    
2. Mobile App payments (MyCard)
    
3. Net Banking (RBL’s or another bank’s net banking)
    
4. UPI (Credit card via UPI)
    
5. NEFT / RTGS from any bank (via online banking)

Each of these is covered in detail below. The RBL bank provides the benefit of “online methods” 24×7 accessibility, if the system is not under maintenance. 

RBL Credit Card Bill Payment through Website

This refers to paying your credit card bill using RBL’s web portals via a browser. You can use a desktop or mobile browser, anything that suits you. In this section, we will see how you can make the payment for other bank accounts, i.e. other than the RBL account. Steps are:

1. Go to the official RBL ‘Make Your Credit Card Payment Instantly’ page. In the row of ‘Net Banking’, click on the ‘Pay Now’ hyperlink, which is adjacent to the BillDesk icon. Alternatively, use the BillDesk portal. 
    
2. You will be asked for your 16-digit RBL credit card number and the amount you wish to pay. 
    
3. Choose the bank account you want to use for making the payment. Note that only select partner banks are accepted.
    
4. You will be automatically taken to your chosen bank’s secure payment page.
    

Don’t be in a hurry to make a payment. Be calm, and if things don't work out, you can always contact their customer service or even chat with the RBL bot.  

RBL Credit Card Bill Payment through Mobile App

The mobile app route is usually via RBL’s MyCard app. To make the RBL credit card bill Payment through the Mobile app, follow these steps:

1. Install/open the RBL MyCard app and log in using your credentials (customer ID, password, OTP, etc.)
    
2. Select the credit card for which you wish to make the payment. 
    
3. Input the amount due, authenticate and submit. You may need to authenticate using OTP, PIN, or in-app authentication.

On success, you will see a confirmation screen. Record or take a screenshot of the payment transaction reference number.

RBL Credit Card Bill Payment through Net Banking

“Net Banking” is the same as RBL Internet Banking. Here are the steps to make RBL Credit Card bill payment through net banking:

1. Open the official RBL Credit Card Payment page. 
    
2. In the table, the first row is of ‘Net Banking’, which has 2 types:
    
   1. Using RBL Account
       
   2. Using another bank account. 
       
3. For the RBL account, click on the ‘Pay Now’ option. 
    
4.  

Since the payment is within RBL (intra-bank), settlement is typically fast. You will receive the confirmation SMS within a few minutes. 

Tip: To show lower credit use, pay part of your bill a few days before your statement is made. This helps report a smaller balance to credit bureaus and can improve your score and approval chances.

RBL Credit Card Bill Payment through UPI

One of the more modern and convenient ways is to use a Credit Card on UPI (CC on UPI), especially for RBL RuPay credit cards. Follow these steps to make the RBL credit card bill payment through UPI:

1. Using Mobile App
    

2. Install/open the RBL MyCard app and log in using your credentials (customer ID, password, OTP, etc.)
    
3. Swipe left, and a menu will appear. Select the ‘Make a payment’ option.
    
4. Select UPI from the available payment options
    
5. Enter your VPA and click on verify.
    
6.  

So, to make a payment using UPI, all you need is a VPA. It is a Virtual Payment Address, also known as your UPI ID or UPI address. 

B. Without Mobile App

1. Open the official RBL Credit Card Payment page. 
    
2. In the third row, you can see UPI as the mode of payment. Click on ‘Pay Now’, which is just adjacent to the UPI logo.
    
3. Enter all the details asked and click on ‘Submit’.

You can also check the payment status by clicking on the ‘Payment Status’ option.

RBL Credit Card Bill Payment through NEFT/RTGS

This method uses NEFT or RTGS to transfer funds between banks. You can use your RBL account or another bank to send money. The funds are credited to your RBL credit card.