How to pay
- Your card issuer's app or net banking.
- Any UPI or banking app that offers credit card payments through Bharat Connect — since 1 July 2024 the RBI requires such payments to go through Bharat Connect, so you'll find your bank in the list if it has enabled it.
- Auto-debit from your savings account for the total due (recommended).
Payments can take a day to reflect; pay at least two working days before the due date.
Total due vs minimum due
Paying the minimum amount due avoids the late fee but not interest. Once you carry any balance, most cards charge interest — often 3–4% a month — on the whole outstanding from each purchase date, and you lose the interest-free period on new purchases until it's cleared.
Example: a ₹50,000 bill with ₹2,500 paid as minimum leaves ₹47,500 on which interest of about ₹1,700 or more can be added in a month, plus GST on it.
What RBI rules say
- A late fee can be charged only when the payment is overdue by more than three days after the due date.
- Likewise, the card can be reported as past due to the credit bureaus only after that.
- After that, late payments hurt your credit score — payment history is the biggest factor. See how to increase your CIBIL score.
Stuck with a large balance?
- Convert big purchases to EMIs with the issuer (check the interest and processing fee).
- Move the balance to a cheaper loan: a personal loan usually costs far less than revolving card interest — compare in personal loan vs credit card.
- Stop new spending on the card until it's cleared.
Pay safely
- Pay through the biller's own app or website, your bank, or a UPI app — look for the Bharat Connect mark.
- Never pay through a link in an SMS or WhatsApp message, and never call a number from a message threatening disconnection. Billers don't ask you to install screen-sharing apps.
- Keep the transaction reference ID; it is what you quote in a complaint.
- You never need your UPI PIN to receive money; anyone who asks for it is a fraudster.
Oxon Fintech does not sell recharges or collect bill payments. Plan prices and benefits are the operators' own, as listed on the date above; they change often and can differ by telecom circle, so confirm in the operator's app before paying.