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instant BoB credit card bill payments

complete your first payment on CRED to earn ₹200 cash-back
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pay your Bank of Baroda credit card bill on the CRED app

paying your Bank of Baroda credit cards bills on time have many advantages, for example, it can increase your credit score; you don’t have to pay any late payment charges, or interest on outstanding bill amount. but once you become a member of the CRED club, you not only get the above benefits, you also get to earn additional benefits such as cashback, deals and discounts. 

CRED is a members-only online credit card payment platform that rewards all individuals on paying their credit card bills via the CRED app. the rewards are in the form of CRED coins and cashback. CRED coins can be used to claim various deals and discounts available on premium brands available on the CRED platform. 

when you own multiple credit cards, it becomes a hassle to remember the due date and bill amount of each and every card. CRED has a solution for this also. you can add all your credit cards on CRED account and pay your credit card bills conveniently and on time. CRED also sends timely alerts on your credit card bill payments so that you never miss your credit card bill payment.

benefits of paying your Bank of Baroda credit card bills via the CRED

  • credit card payments made via CRED are instant and hassle-free
  • you get flexible payment options such as - net banking/debit card/mobile wallet/BHIP/UPI
  • receive credit card bill payment alerts on your mobile so that you never miss a credit card bill payment
  • earn CRED coins on every transaction
  • you can also get 100% cashback and various deals & discounts from premium brands

pay your Bank of Baroda credit card bill via the CRED app

paying your Bank of Baroda credit card bill online through the CRED app is a very easy process. the credit card bill payments made via the CRED app are faster and absolutely secure. 

however, since CRED is a members-only club, you first need to become a CRED club member to be able to use its services. you can download and install the CRED app on your smartphone through the app store. after installing the CRED app on your mobile, register on the app with your mobile number and email ID to become a privileged CRED club member. you should note that only those individuals who have a credit score of 750 and above can register on the CRED app. you can check your credit score here

here’s a step-by-step guide on how to pay your Bank of Baroda credit card bill through the CRED app:

  • open the CRED app and log in to your account
  • add your Bank of Baroda credit card on the app
  • if already added, click on the ‘cards’ section, to view your Bank of Baroda credit card bill due date, outstanding amount, card statement, etc. 
  • select the relevant credit card from the ‘cards’ menu, enter the desired payment amount, and click on ‘pay’
  • select the payment method from the options provided - net banking/debit card/BHIM/UPI/mobile wallet
  • follow the rest of the instructions to complete your Bank of Baroda credit card bill payment

other ways to pay your Bank of Baroda credit card bill

net banking: log in to your Bank of Baroda net banking account, click on ‘credit cards section’, select the relevant credit card, payment amount, and click on  ‘proceed’ to authorise the credit card payment through your net banking account. 

NEFT: those who don’t have a Bank of Baroda net banking account can use the net banking account of any other bank and do a NEFT transfer to their Bank of Baroda credit card account. but to use the NEFT service you need to add your Bank of Baroda credit card as ‘payee/beneficiary’ to your net banking account. it may take 30 minutes to 1 hour to activate the ‘beneficiary’ payment.

mobile banking: log in to your Bank of Baroda mobile app, click on credit cards and then select the relevant credit card, enter the bill amount and pay your credit card bill. you can also do a NEFT from any mobile banking app in case you don’t have a Bank of Baroda mobile banking account.  

auto-pay debit: use the auto-pay service if you are someone who often forgets your credit card bill payment. you can choose the autopay option through your net banking account or send an offline authorisation form to your bank for allowing auto pay of your credit card bill from your bank account. you can choose the date and debit amount as per your requirement. on the set date, the bank will automatically deduct the credit card payment amount from your bank account to pay your credit card bill. 

UPI services: you can also use various UPI services such as BHIM, PayTM, Google Pay etc. to pay your Bank of Baroda credit card bill online. you can also use UPI to pay your credit card bills on CRED app. 

cash payment: you can directly deposit cash at the credit card payment counter of the nearest Bank of Baroda branch to clear your credit card dues. however, note that the bank will charge a cash payment processing fee on this service. 

cheque facility: you can write a cheque in favour of your 16-digit Bank of Baroda credit card number, payment amount, and drop the cheque at the Bank of Baroda ATM or designated cheque dropbox. 

pay via ATM services: you can also pay your Bank of Baroda credit card bill via ATM. for this, you need to have a Bank of Baroda debit card. swipe your Bank of Baroda debit card at the ATM, select credit card payment from the menu, enter the payment amount, and proceed to pay your credit card bill via ATM services.

frequently asked questions

q. how to become a member of the CRED club?

a. to become a member of the CRED club, you need to have a credit score of 750 and above. those who do not pass the criteria are not shortlisted.

q. how does the CRED app work?

a. eligible members can become a CRED club member and pay their credit card dues through the app to earn exclusive reward CRED coins, cashback, deals and discounts.

q. what are CRED coins and how to use them?

a. CRED coins are reward points that CRED members earn by paying their credit card bills via the CRED platform. it can be used to claim various deals and discounts from premium brands.

q. how can CRED help improve your credit score?

a. you can check your credit score report on the CRED app. the app can analyze ups and downs in your credit score and give you suggestions on how to improve your credit score.