CRED logo

instant BOI credit card bill payments

complete your first payment on CRED to earn ₹200 cash-back
Pay now

pay Bank of India credit card bill via CRED to earn rewards

if you love rewards and cashback offers, CRED is the right platform for you to make your Bank of India credit card payment online. CRED is one of the most rewarding apps for paying your credit card bills. every time you make your Bank of India credit card bill payment via the CRED app, you earn CRED coins, cashback offers, and various other details and discounts from premium brands. 
CRED offers one of the most convenient platforms to pay your Bank of India credit card bills on time and the flexibility of managing multiple credit cards under one platform.

why make your Bank of India credit card bill payment via the CRED app?

there are many benefits of paying your Bank of India credit card bills via the CRED app. check some of them below:

  • instant process of your Bank of India credit card bill payment
  • flexible payment options - net banking/debit card/BHIM/UPI
  • earn CRED coins every time you pay your Bank of India credit card bill via the CRED app
  • use CRED coins to claim exclusive deals and discounts from premium brands

how to pay your Bank of India credit card bill via the CRED app?

since CRED is a members-only club, you need to register on the app to become a CRED member. individuals having a credit score of 750 and above can only become a member of this exclusive community. 
you can download the CRED app by visiting the ‘Play Store’ or ‘App Store’ of your smartphone. to register on the CRED app, enter your mobile number and email ID and verify the details through OTP. once you become a member of the CRED club, login to your account and follow the steps provided below to pay your Bank of India credit card bill online through the CRED app:

  • click on the ‘cards’ section to add your Bank of India credit card to the list
  • if already added, click on your Bank of India credit card
  • your Bank of India credit card bill due date and amount will be displayed on the screen
  • enter the due amount, and click on ‘pay’
  • select the payment options from the list - net banking, debit card, UPI, digital wallet, etc.
  • follow the rest of the instructions to complete your Bank of India credit card bill payment. 

other options to pay Bank of India credit card bills

Bank of India credit card bills can be paid via various online and offline options. check some of the most commonly used payment methods: 

Bank of India credit card payment online options

  • net banking: login to the net banking account of Bank of India, go to the ‘credit cards’ section, pick the relevant credit card from the menu, enter the due amount and proceed to pay your Bank of India credit card bill.  
  • NEFT: those who don’t have a Bank of India net banking account can use the net banking services of any other bank to pay Bank of India credit card bills via NEFT. to use this service, you need to add your Bank of India credit card as payee/beneficiary and then proceed to make an NEFT fund transfer.  
  • BillDesk: visit the BillDesk website, enter your Bank of India credit card number, enter the bill amount, and then select the account from where you want to make your credit card bill payment.
  • mobile banking app: you can also log in to your Bank of India mobile banking app to pay your Bank of India credit card bill payment online. 
  • BHIM/UPI: you can also use the BHIM/UPI platform to pay your Bank of India credit card bills. you need to enter your Bank of India credit card details, due amount, bank account details through which you want to pay your bill, and then enter your UPI pin to approve the transaction.

Bank of India credit card payment offline options

  • Bank branch: to pay your Bank of India credit card bill through cash, visit the Bank of India branch and deposit the cash at the credit card payment counter. note that you have to pay a processing fee for using this service. 
  • pay through cheque: write a cheque in favour of your Bank of India credit card number, enter the overall due amount/minimum due amount, and drop the cheque at the nearest ATM or cheque dropbox. it may take up to 3 working days to process the payment through this mode. 
  • pay through ATM: if you have a Bank of India debit card, you can swipe your debit card at the nearest ATM and then select credit card payment from the menu. follow the rest of the instructions to pay your Bank of India credit card bill offline. 
  • call customer care: if you have a Bank of India account, you can use the IVR services to pay your Bank of India credit card bill. 

payment mode

processing time

net banking

same day

mobile app

same day

NEFT

1 working day

RTGS

1 working day

UPI

instantly

BOI BillDesk

2 to 3 working days

cash

same day

cheque

up to 2 days for the Bank of India cheque.
3-5 days for other banks' cheques.

ATM funds transfer

same day

FAQs: Bank of India credit card payment

q. why should i use CRED to pay Bank of India credit card bills?

a. you should pay your Bank of India credit card bills via the CRED app to earn CRED coins, cashback, deals, and discounts. 

q. what will happen if i don’t pay my Bank of India credit card bill on time?

a. if you don’t pay your Bank of India credit card bill due on time, the bank would impose late payment charges along with penalty interest on the overall outstanding amount. it will also decrease your credit ratings.

q. is the CRED app free?

a. yes, the CRED app is absolutely free and anyone can register on the CRED app to become a member of the club.

q. do i need to pay to become a CRED club member?

a. no, you don’t need to pay any charges to become a member of the CRED club. just download the CRED app and your smartphone and register by verifying your mobile number and email address.