Bank of Baroda Credit Card Bill Payment

Want to maintain a good credit score? Pay your credit card dues and EMIs on time for an all-time high credit score. Bank of Baroda has provided various simple methods for BOB Credit Card Bill Payment. Read on for information about the various online and offline modes of credit card bill payment.

Credit Card Bill Payment
Credit Card Bill Payment Online
Credit Card Bill Payment Offline
Processing Time for Bill Payment

BOB Credit Card Bill Payment

BOB Credit Card provides an array of credit cards that aid your monthly purchases and other payments. The transactions on the card will, in return, give you a host of benefits in the form of discounts, reward points, and freebies. Paying the credit card bill to keep a healthy relationship with the bank is your responsibility. The bank has, for your convenience, provided various modes of offline and online payments. Utilise the various BOB Credit Card Bill Payment facilities to make prompt payments and keep your credit score intact.

BOB Credit Card Bill Payment Online

BOB Credit Card Bill Payment is now hassle-free with the various online modes available for payment.

Through Bill Desk

The steps for BOB Credit Card Bill Payment through the bill desk are given below:

Access the billdesk page of the Bank of Baroda
Enter the BOB Credit Card Number
Re-enter the credit card number for confirmation.
Choose the credit card type.
Furnish your email ID and mobile number
Enter the amount to be paid
Choose the account for debit.
You will be directed to your internet banking account.
Log in with your user ID and Password.
Fill in the details required and enter the OTP and transaction password for authentication.
Once the transaction is authenticated, your savings bank account will be debited and credited to the credit card account. The credit limit will be replenished to the extent of the credit received.

Through InstaPay- Netbanking

This is the fastest mode of BOB Credit Card Bill Payment and can be done in a few steps.

Access the InstaPay page of BOB
Enter the credit card number and the CAPTCHA
Click on the ‘Proceed’ tab,
Your name will be displayed. Check the name with the name printed on the credit card
Choose the mode of payment. You can pay through BOB net banking or net banking of any other bank.
You will be directed to the net banking page of the concerned bank.
Log in with your login credentials
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 with the transaction reference number.

Through Self-Service Portal

Follow the steps given below for the BOB Credit Card Bill Payment through the Self-Service Portal.

Access the website of the bank
On the home page, choose the ‘Modes of Payment’ option.
Choose ‘Self-Service Portal’ and click on the ‘Click to Pay’ option.
Enter the credit card number and validate with the CAPTCHA
Now click on the ‘Proceed’ button.
Your name, mobile number and email ID will be displayed.
Verify and enter the amount to be paid
Choose the bank for payment.
You will be directed to the respective bank payment page.
Follow the directions for payment and authenticate the transaction.
After successful authentication, your savings bank account will be debited for the amount and your credit card account updated.

Through NEFT/RTGS

BOB credit cardholders who do not have an account with the bank can adopt this method for a BOB Credit Card Bill Payment. To begin with, you will have to register the credit card under the beneficiary list. Follow the procedure given below for registration and then proceed with payment.

Access your net banking account
Under the ‘Funds Transfer; option choose — ‘Add Beneficiary.’
Enter the following details
- Beneficiary Name: Bank of Baroda
- Account Number: 16-digit BOB Credit Card Number
- IFSC Code:BARB0COLABA
Enter the OTP and authenticate with the transaction password.
This will complete the registration process.

To make the credit card payment after registration, follow the steps given below:

Log in to the net banking portal
Under the ‘Funds Transfer’ option, choose the mode of payment as NEFT/RTGS
Choose the credit card from the beneficiary list
Enter the amount
Under the ‘Remarks’ column, enter the name as printed on the credit card and the registered mobile number.
Click on the ‘Pay’ tab
The amount will be debited from your savings account and appropriated to the credit card account.

Through Auto-debit

Auto debit is a facility where the savings bank/current account of the cardholder gets automatically debited either for the minimum amount due or the total amount due as specified on the due date. The Credit card holders having an account with the Bank of Baroda can give a request for the auto-debit of the credit card liability on the due date. Ensure a sufficient balance in the account on the due date to avoid auto-debit dishonour. You will have to pay a late payment fee for every missed-out auto-debit. An auto-debit will also have a negative impact on your credit score.

Through Razor Pay

BOB Credit Card Bill Payment through RazorPay simplifies the whole process. Customers can choose to pay through UPI (Unified Payment Interface), Debit Card or Internet Banking. RazorPay will have the credit card bill details. If you decide to make payment through RazorPay in the future, a RazorPay personalised link will be shared every month via SMS or registered email ID.

Through Scan & Pay

You can make BOB Credit Card Bill Payment from any UPI app

Open the UPI App on your phone
Scan the UPI QR Code
Enter the bill amount and choose any payment option.
Enter your UPI PIN and click on ‘submit’, and your bill is paid.

BOB Credit Card Bill Payment Offline

There are offline payment modes also for a BOB Credit Card Bill Payment.

By Cash

You can go to the nearest Bank of Baroda branch and pay the credit card bill in cash by filling up a challan. You will have to mention the name as printed on the credit card the 16-digit credit card number, and the amount to be paid. You will get an acknowledgement for the cash deposit. Preserve the same for future reference.

Through Cheque

You can draw a cheque in favour of the Bank of Baroda, mentioning the 16-digit credit card number. You should write your name and mobile number on the reverse of the cheque. After completing the cheque, drop it at any branch of the Bank of Baroda

Processing Time for BOB Credit Card Bill Payment

The processing time taken varies with the mode of payment chosen for BOB Credit Card Bill Payment.

Payment Mode	Time taken
Self-Service Portal	Upto 2 working days
Bill Desk	2 to 3 working days
NEFT/RTGS	Within 3 working days
Insta Pay	Upto 2 working days
Auto -debit	On the due date
Cash	Immediate
Cheque	Bank of Baroda cheque-Upto 2 working days Other bank cheque-Up to 5 working days
Razor Pay	UPI-Same Day Debit-Within 3 working days Net Banking-within 3 working days

Depending on the mode of payment chosen, you will have to decide on the payment date. If it is taking 3 to 5 days for clearance, you should make the payment 3 to 5 working days before the due date to avoid late payment.

FAQs

Can I make the BOB Credit Card Bill Payment even if I do not maintain an account with the Bank of Baroda?

Yes, You can make the BOB Credit Card Bill Payment through NEFT/RTGS or the Bill desk if you do not have an account with the Bank of Baroda. Ensure to make the payment much in advance as the processing time will be 3 to 5 days if you choose these modes for payment.

What if I have paid an amount over and above the credit card liability?

Not to worry. The excess amount will be adjusted to your next credit card statement. You can also call BOB Customer Care and inform them about the excess paid along with valid proof and request a refund. The needful will be done within a few days.

I made the BOB Credit Card Bill Payment on the due date, but I was charged a late fee. Whom should I contact?

If you have made the payment through cash, then you have a valid reason to be anxious as the credit card account will be credited with the amount in real-time. But if you have chosen any other mode like net banking, Self-Service portal, InstaPay, RazorPay or dropped a cheque, the processing time will be between 2 to 5 working days. In that case, the credit card account will be updated only after 2 to 5 working days and will result in a late payment. So you should be specific about the mode of payment chosen while reporting the delay to BOB Credit Card Customer Care.

Does the bank charge a fee for offline payment of the BOB Credit Card Bill?

No. The bank does not charge any fee for offline payment of a credit card bill. But if you make the payment through cash, then a cash handling charge will be charged.

Will the add-on cardholder get a separate credit card statement?

No. The add-on card transactions will also be included in the primary card statement but will be shown separately for better clarity.

Will an amount paid less than the minimum amount due be considered as payment within the due date?

It is mandatory to pay either the minimum amount due or the total amount due on the due date to avoid a late payment penalty. If an amount lesser than the minimum amount due is paid, it will be considered a late payment only.