Bank Of Baroda Credit Card Payment – Online


Timely payment of credit card bills is important to enjoy uninterrupted services, and Bank of Baroda offers multiple ways of credit card bill payment options to perform transactions online without any hassles. So, customers should need to aware of these different methods along with the processing time taken through which they can pay their credit card bills.

Users can choose any method of payment depending on their convenience and pay outstanding bills as per the due date. In this article, we will discuss these different online credit card bill payment methods.

Bank of Baroda Credit Card payment online methods

Payments through BillDesk

Among various methods, payments through BillDesk are an option that can be utilized by its customers. To avail of this facility, customers have to hold an online ID available on the credit card bill and register with BillDesk(free of cost). BillDesk offers this service only in select cities currently.

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1. Go to the BillDesk page of Bank of Baroda.
2. Enter the required details and Login.
3. Follow onscreen instructions to make the payment.

Online Payments

Bank of Baroda customers can also make payments by logging into their net banking accounts after registering on the web portal. Customers have to use the username and password issued by the bank to access their accounts and make payments.

Visa Bill Pay

Visa Bill Pay offers an easy and convenient way to make payments towards any Visa Bank of Baroda credit card. Customers can make either one-time payments or set instructions to make scheduled recurring payments towards their bills.


By using the Bank of Baroda Cards InstaPay service, credit card bills can be repaid very fast. Customers can pay their bills through InstaPay without even logging into the bank’s official portal. Users have multiple options to choose from as 50+ banks across India are currently engaged with this service.

To make a payment, the customer must select InstaPay, enter the Bank of Baroda credit card number, enter the verification code, confirm the card holder’s name, enter the amount, mobile number, and email address, and then the preferred bank need to choose through which the payment has to be paid.

Customers can use net-banking services of any other bank or Bank of Baroda itself. Once the payment transaction has been completed successfully, customers will receive the confirmation receipt and the details will be shown in the card account within 2 working days.


1. Go to the InstaPay page of Bank of Baroda.
2. Enter credit card number and captcha.
3. Proceed and verify the name as written on the credit card.
4. Enter amount, email id, and phone number.
5. Follow the instructions mentioned on the screen to make the payment. The amount will deduct instantly and shows in the credit card account within 2 working days.


Customers have the option to make payments of outstanding credit card bills through NEFT transfers(up to Rs. 1,00,000).

RTGS Payments

Bank of Baroda customers can make payments towards their credit card bills(up to Rs. 1,00,000) through RTGS.

For both, NEFT and RTGS follow these steps mentioned below

1. Login to your preferred bank’s net banking account.

2. Go to the Fund Transfer section and click to add a beneficiary.

3. The details that have to mention while making the transfer are as follows,
B. Payee Account Number, Beneficiary account – 16 digit credit card number, name as printed on the credit card.
C. Account Number (From where the payment is being made).
D. Bank Name – Bank of Baroda.

4. Enter the amount and click on ‘Pay’.

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Self Service Portal

Customers can pay their credit card bills via the Bank of Baroda Self Service portal. Users need to visit the website at

1. Enter the card number and the captcha.
2. Click on ‘Proceed’.
3. Confirm the name as printed same on the card.
4. Enter the amount and phone number.
5. The website will guide you with the next few steps to make the payment easily. The details will show in the credit card account within 2 working days.

Razor Pay/Scan & Pay

Bank of Baroda customers can use the RazorPay powered, bank’s payment link solution. It is another hassle-free and secure online bill payment method offered by the Bank of Baroda.

The service makes bill payments very easy and convenient as they can be paid via UPI(Unified Payments Interface), Debit Card, or Net Banking. RazorPay secures all details of the credit card bills so, users can decide whether to pay the full or partial amount afterward. Also, a personalized link will share with the user via registered email ID or phone number.


The AutoDebit service is the most efficient mode among all other credit card bill payment methods offered by the Bank of Baroda.

The amount gets debited automatically from the customer’s savings or current account in between the upcoming due date. To activate this facility, customers need to submit an AutoDebit application form at the branch.

ATM Funds Transfer

With a large network of ATMs available across the country, Bank of Baroda customers can pay credit card bills through any one of these ATMs at any time(24/7 availability).

The outstanding amount available on a Bank of Baroda credit card can be transferred from a savings account or a current account to the customer’s credit card account.

Bank of Baroda Mobile Banking Application

Bank of Baroda credit card users can also use the Bank of Baroda Mobile Banking Application to make outstanding credit card bill payments. Customers need to download the app on their mobiles and login with their customer ID.

It has all the features that are present in the Net banking portal. To pay credit card dues, the users need to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection, users can pay from anywhere by accessing their savings/current account using the Bank of Baroda Mobile Banking Application.


Bank of Baroda credit card customer care number – 0265 2363001(Monday-Saturday between 9:30a.m-5:30p.m) or 1800 220 400 or 1800 223 224(Toll free).

Call 1800 225 100 or 1800 225 110 in case of card theft.

Email ID – [email protected] or [email protected]

For grievance email at [email protected] or [email protected]

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