Google Pay, Paytm & PhonePe, Pay Bills Online Conveniently in 2025

Posted by  Fintra , updated 2024-10-21

Technology and time both are constantly changing. In these past several years, we have seen drastic changes occurring in the technology field. Moreover, with regards to this, even the methods of making bill payments have changed. While paying bills, credit cards are widely been used. Do bear in mind that it is always advisable to clear all credit card dues on time. Banks will always send you notifications to pay your bills as soon as the credit card statements get generated. Now there are various convenient ways to pay these bills directly from your smart gadgets. Moreover, whenever paying the bills online, you'll notice several advantages as well such as cashback or other discounted offers.

Payment systems and mobile wallets now offer facilities for making credit card bill payment online on their platforms. Some common mobile payment platforms that provide online credit card bill payment facility with no separate registration are Google Pay, Paytm, and PhonePe. Just download their app, link them to the desired credit card or savings account, recharge the mobile wallet, enter the credit card details, and you're ready to make the payment!

In this blog, Fintra highlights how to make payments online using these payment apps. The following topics will be highlighted:

1. Pay credit card bills through Google Pay
2. Pay credit card bills through Paytm
3. Pay credit card bills through PhonePe
4. Other Online Payment Methods

Pay credit card bills through Google Pay

In India, one of the top apps available for bill payments is Google Pay. Through this app, you can send and receive funds, pay credit card bills, and make several other payments, too.

To pay credit card bills through Google Pay follow the steps below:

1. Install the Google Pay app on your mobile phone and open it.
2. Click on the ‘New’ option.
3. Select ‘UPI ID’ or ‘QR’ to make payment.
4. If ‘UPI ID' is selected, log in with your UPI credentials. For the latter, scan the QR code to proceed.
5. Enter the credit card number and confirm its information with the OTP verification.
6. Enter the billed amount for making the credit card payment through Google Pay.
7. Submit the details and the Credit Card payment is done.

Do note Google Pay just is a facilitator, the billing amount is deducted from your bank account that is linked with the app.

Pay credit card bills through Paytm 

Another popular mobile wallet app used is Paytm and it enables to make payments instantly such as paying shopping bills, mobile recharge, electricity bills, and lots more. Besides these benefits, Paytm also provides the facility to pay credit card bills very conveniently.

To pay a credit card bill through Paytm follow the steps below: 

1. Open the Paytm app and on the welcome page, click on the credit card icon.
2. Enter the credit card number or choose from the saved cards. If it fails to auto-detect, manually select the ban.
3. 3. Enter the amount for the payment and click on the 'Proceed' button.
4. Confirm the payment and put a tick on the Paytm payment bank account.
5. Enter the Paytm password and hit the 'Pay Now' button.

Do note Paytm just is a facilitator, the billing amount is deducted from your bank account that is linked with the app.

Pay credit card bills through PhonePe

Phonepe is an app commonly used for the various services it provides like send/receive money, paying bills, recharge mobile, and many others. Amongst the several popular apps, PhonePe is one of the prime UPI apps in India.

To pay a credit card bill effortlessly through PhonePe follow the steps below:

1. Open Phonepe account and click on the credit card icon under the Recharge & Pay Bills section.
2. Choose the credit card provider (Visa, Mastercard, Rupay, etc). If you've already added one, select from saved cards.
3. Carefully feed in the credit card number and click on the Confirm button.
4. Enter the amount for making the payment.
5. Click the 'PAY BILL' option for completing making the payment.

Do note PhonePe is a facilitator, the billing amount is deducted from your bank account that is linked with the app.

Other Online Payment Methods 

Due to the evolution in technology, making payments for credit card bills online is the most favourable. Along with Google Pay, Paytm, and PhonePe, payments are also made via internet banking through mobile banking, electronic bill payments, auto-debit, debit cards, national automated clearing house, RTGS, IMPS, and NEFT. Each of these online payment options has its advantages. Let’s briefly describe how IMPS and NEFT function:

IMPS:

Immediate Payment Service, known as IMPS, is an internet banking payment system, where instantly one can transmit and receive funds among various banks and to individuals electronically. This is a 24/7 service provided throughout the year, even during bank holidays. IMPS is the most popular internet banking payment method for making credit card bill payments; it can be accessed through mobiles, Automated Teller Machines (ATMs), internet banking or online banking, bank branches, and SMS. While making credit card payments, there’s 100% assurance of safety, and it's economical as well. In fact, to become a partner banker in this system, the banks and financial institutions have to first obtain a legal banking license from the Reserve Bank of India.

Following are a few reasons why make payments through IMPS:

1. Make payments instantly, and the biller’s accounts get immediately credited.
2. This facility can be accessed anytime, anywhere, worldwide.
3. The payment charges are reasonable.
4. 4. The processing of payments is quick and reliable.
5. 5. The IMPS system is convenient and customer-friendly. 

Steps to make credit card bills through IMPS:

• Download your bank's mobile application.
• After downloading it, log-in to the mobile banking with your credentials.
• Hit on ‘Bank Account’, and a link for the IMPS payment option will appear.
• Click ‘IMPS’ and select ‘Merchant Payment'.
• Fill-in the required financial details like MMID, the contact number of billers, your bank account from where the funds will be transferred, the billing amount, and your credit card number.
• Finally, click on the ‘Confirm’ button, and the transaction is done successfully!

To do credit card payments using just an IFSC Code: 

• Log-in to net banking using your credentials.
• Choose the ‘Payment and Transfer’ option.
• Choose ‘Payee’ and ‘IMPS-IFSC’. You can choose the payees from the list of itemized payees.
• Fill in the necessary details such as the credit card number, the billing amount to the credit card, etc. 

Following are the top five banks offering IMPS Payment facility:

• State Bank of India
• Citibank
• Axis Bank
• ICICI Bank
• HDFC Bank

NEFT

National Electronic Funds Transfer (NEFT) is also an internet banking payment option to make credit card bill payments. NEFT facilitates to transfer of funds from the individual's savings account to the credit card account online. In India, this facility is a widely remittance service that allows making payment of credit card bills electronically amongst member financial institutions. As soon as the cardholder initiates its credit card payment, it will be processed batch-wise under the NEFT internet banking payment system. Reserve Bank of India (RBI) administers the NEFT payment system.

Following are a few reasons why make payments through NEFT: 

• Similar to IMPS, NEFT is unswerving and effective.
• The payment charges are lesser when compared to pay orders or demand drafts (DDs).
• Whatever the circumstance, one can cancel any transaction done via NEFT.
• Payments for the commencement of payment transactions occur within one business day.
• Along with convenience, NEFT is a paperless internet banking payment method for users. 

Fintra describes the method of how to perform credit card bills through NEFT:

• NEFT is available only to those who registered for the internet banking service. Thus, make sure to register for availing this facility.
• One can develop a list of credit card billers, and choose various billers.
• When done creating the list of billers, select the bank, division of the bank, the city, and the IFSC code.
• Feed-in your credit card number with the billing amount, and the transaction is successfully done!
• It will only take one working day to process the payment. 

Do note that before initiating NEFT funds transfer to your card, make sure to add the card towards which you're making the payment, as a 'Biller or Beneficiary'. For adding a credit card as a beneficiary, specific details will be required, such as the credit card number, cardholder name, IFSC code for credit card payments, bank name, branch, address, etc. Based on your bank, it will take mostly 30 minutes to 24 hours when adding a new card. Once the card is added, you can then initiate an NEFT funds transfer.

Top five banks offering NEFT Payment facility:

• State Bank of India
• Citibank
• Axis Bank
• ICICI Bank
• HDFC Bank 

To make credit card bills online through BillDesk:

BillDesk is an online payment platform to make credit card bill payments without possessing any online account. It provides easy, convenient services for bill payments without the requirements of having a net banking facility. BillDesk platform might vary from bank to bank, and each bank will give different payment options.

Auto Debit Facility:

The processing time for credit card payment in the Auto Debit Facility occurs on the due date. After registering for this facility through a net banking account for the savings account, be assured the credit card dues will be made on time. The individual may give instructions to their bank to debit their credit card bill on the same day every month.

The individual can also choose whether to pay the minimum amount due or the entire amount due. You can register for this facility through their net banking account or by sending a written request to your bank. After registration, the auto-debit facility activates from the immediate credit card payment due date.

To make credit card bills online through CRED:

CRED, a members-only club, is another platform for making credit card payments online. Moreover, when making timely bill payments, it’ll reward the individual with exclusive offers and access some premium experiences. It's on this platform where it's easy to manage various cards along with receiving analysis on credit scores. Eligible members with high credit scores can obtain exclusive rewards when making bill payments through the CRED app. For example, the users making credit card payments through the app will avail of rewards such as access to events, experiences, gift cards, and upgrades from brands like Myntra, Cure.Fit, Diesel, Olive Bar & Kitchen, and many more.

CRED enables credit card bill payments only for HDFC, ICICI, SBI, American Express, Standard Chartered, Citibank, HSBC, AXIS, Kotak, RBL, PNB, and other few top Indian Banks. It also supports VISA, MasterCard, American Express, and Rupay cards. To avail of CRED membership, one has to first sign up with its full name and valid Indian mobile number on the app. Later on, only when the credit bureaus like CIBIL and Experian checks the individual's credit scores that must be above the accepted eligibility score, it'll finally be accepted as a CRED member. 

Conclusion 

Benefits of making credit card payments online include saving time and effort, it's convenient, provides comfort, transactions are safely done in a secured way, records stored for all transactions, and one gains more control on the amount of how much to pay the dues. Paying online is also eco-friendly as it saves paper, cheques, envelopes, stamps, and receipts. Moreover, there's the elimination of clutter because the individual electronically receives their statements and receipts.