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 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 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 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 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 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 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.

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 and 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 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 Bank of Baroda

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

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.