How to pay Credit Card Bills using Debit Card?

Want to pay your Credit Card Bills using Debit Card? Here’s how you can do so:

This thread was originally posted by Abhijeet Chalke on 27th December 2020 on our FinTalks Facebook Group.

Benefits of paying Credit Card Bills using Debit Card:

  1. Those who don’t have access to internet banking/UPI can pay bills by debit card details.

  2. No need to enter/remember internet banking user id, password, no UPI PIN.

  3. You can avail offers given by banks on Debi card transactions because such transaction counts as online POS ( Not for all the banks/methods, pls confirm before doing).


  1. Paytm - Use Paytm app/website to pay CC bill using Debit card. The settlement period is 2-3 days

  2. Mobikwik - Use app/website. Use only for CB as settlement period is indefinite, support is also not good. [A word of caution, after the recent MobiKwik KYC and Accounts Data Leak, you should use some caution while using this app.]

  3. Kotak 811 - You must have Kotak 811 account for this method. Firstly, add money to your 811 accounts using Debit card. Then pay the CC bill by account money.

  4. Cred - Cred App allows paying your credit card bills using a debit card if your bill is above 1 Lakh. For below 1 Lakh payments, sorry boss!

Other Ways to Pay Credit Card Bills:

Credit Card to Bank Transfer:

How to do Credit Card to Bank Transfer? [ALL METHODS] - Credit / Credit Cards - FinTalks

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