Bank of India Credit Card Bill Payment

The Bank of India (BOI) provides a diverse selection of credit cards, each meticulously crafted to deliver optimal advantages. To enhance customer convenience, BOI offers an online portal featuring a user-friendly interface, enabling users to effortlessly access and settle their credit card accounts.

Timely settlement of credit card bills holds significant importance, ensuring uninterrupted service continuity and safeguarding against penalty fees.

BOI credit card holders have the flexibility to make payments through either offline or online channels, all without incurring any additional charges.

How to Make your Bank of India Credit Card Bill Payments Online?

How to pay Bank of India Credit Card Bill Using Net Banking

To pay your Bank of India (BOI) credit card bill using net banking, follow these steps:

1. Access your online banking account by logging in.

  • Visit the official website of Bank of India (www.bankofindia.co.in).
  • Locate the “Internet Banking” or “Net Banking” section on the website’s homepage.
  • Click on the link to access the net banking login page.

2. Enter Your Credentials:

  • Please input your unique User ID along with your Password to access your online banking account. If you haven’t registered for net banking, you will need to do so first by visiting your bank’s branch or following the online registration process.

3. Navigate to the Credit Card Bill Payment Section:

  • Once you are logged in to your net banking account, look for the “Credit Card Payment” or “Bill Payment” section. This might be under the “Payments” or “Services” tab.

4. Select Your Bank of India Credit Card:

  • Choose your Bank of India credit card as the payment recipient or beneficiary.

5. Enter Payment Details:

  • Please input the sum you wish to contribute to your credit card payment.
  • Verify the payment details, such as the credit card number and the amount to be paid, to ensure accuracy.

6. Choose Payment Method:

  • Select your preferred payment method, which should be linked to your net banking account. This may include your savings or current account.

7. Authorize the Payment:

  • Review the payment details one last time to confirm accuracy.
  • If all details are accurate, then proceed with authorizing the payment. This may involve entering an OTP (One-Time Password) sent to your registered mobile number or using any other authentication method provided by your bank.

8. Confirmation and Receipt:

  • After successful authorization, you should receive a confirmation of the payment. Make sure to save or print the payment receipt for your records.

9. Log Out:

  • Once your payment is completed, log out of your net banking account for security.

How to pay Bank of India Credit Card Bill Using Bill Desk

To pay your Bank of India Credit Card bill using BillDesk, you can follow these steps:

1. Explore the payment section on the Bank of India’s website through BillDesk.

  • Go to the Bank of India’s official BillDesk payment page. You can usually find this page on the Bank of India website under the “Credit Card Payment” or “Bill Payment” section.

2. Select “Bank of India Credit Card” as the Biller:

  • On the BillDesk page, you will typically see a list of billers. Look for “Bank of India Credit Card” in the list of billers and select it.

3. Enter Your Credit Card Details:

  • You will be prompted to enter your Bank of India Credit Card details. This usually includes your 16-digit credit card number and the bill amount you wish to pay.

4. Choose the Payment Method:

  • Select the payment method you want to use. BillDesk often offers options such as net banking, debit card, or other online payment methods.

5. Authenticate the Payment:

  • The payment method you select might prompt you to confirm the transaction. This process may entail entering a unique OTP (One-Time Password) dispatched to your registered mobile number or utilizing alternative authentication techniques.

6. Confirm and Make the Payment:

  • Review the payment details to ensure accuracy.
  • If all the details are correct, proceed to confirm and make the payment.

7. Payment Confirmation:

  • Once the payment is successful, you will receive a confirmation message on the screen. It’s a good practice to save or print the payment confirmation for your records.

8. Logout or Close the Browser:

  • After completing the payment, log out if you have an account with BillDesk, or simply close the browser if you don’t have an account.

How to pay Bank of India Credit Card Bill Using Mobile Banking

1. Download and Install the Mobile Banking App:

  • If you haven’t already, download and install the official mobile banking app provided by Bank of India on your smartphone. You can usually find this app on your device’s app store.

2. Access your mobile banking account by logging in:

  • Access the mobile banking application and authenticate yourself by entering your User ID along with your Password. If you haven’t registered for mobile banking, you may need to do so through the app or by visiting your bank’s branch.

3. Access Credit Card Bill Payment:

  • Once you’re logged in, navigate to the “Credit Card” or “Bill Payment” section within the app. The exact location of this section may vary, so look for relevant payment options.

4. Select Your Bank of India Credit Card:

  • Choose your Bank of India credit card as the payment recipient or beneficiary.

5. Enter Payment Details:

  • Input the amount you want to pay toward your credit card bill. Verify the payment details, such as the credit card number and the amount, to ensure accuracy.

6. Choose Payment Account:

  • Select the bank account (savings or current) from which you want to make the payment. This should be an account linked to your Bank of India mobile banking profile.

7. Authorize the Payment:

  • Review the payment details one last time to confirm accuracy.
  • If all details check out accurately, then proceed with granting authorization for the payment. You may be required to enter an OTP (One-Time Password) sent to your registered mobile number or use other authentication methods provided by your bank.

8. Payment Confirmation:

  • After successful authorization, you should receive a confirmation of the payment. Save or note down the payment confirmation for your records.

9. Logout Securely:

  • Always log out of your mobile banking app for security reasons.

The steps provided are general guidelines, and the specific process may vary based on the Bank of India mobile banking app’s features and interface. If you encounter any difficulties or have specific questions about making a credit card bill payment, consider contacting Bank of India’s customer support or visiting your nearest bank branch for assistance.

How to pay Bank of India Credit Card Bill Using Upi App

To pay your Bank of India Credit Card bill using a UPI (Unified Payments Interface) app, follow these steps:

1. Download a UPI App:

  • If you haven’t already, download and install a UPI-enabled mobile app from your device’s app store. Popular UPI apps in India include Google Pay, PhonePe, Paytm, and BHIM UPI. Make sure to choose a UPI app that you are comfortable using.

2. Link Your Bank Account:

  • Open the UPI app and follow the on-screen instructions to link your bank account to the app. You will need to provide your bank account details and set up a UPI PIN. Ensure that the bank account you link is the one associated with your Bank of India Credit Card.

3. Add a Payee (Bank of India Credit Card):

  • Once your bank account is linked, add “Bank of India Credit Card” as a payee or beneficiary. To do this, select the option to add a new payee, and then choose “Credit Card” or “Bank of India Credit Card” as the payee type.

4. Enter Credit Card Details:

  • You will be prompted to enter your Bank of India Credit Card details, including the 16-digit card number and the name on the card.

5. Enter Payment Amount:

  • Please indicate the exact sum you wish to allocate for your credit card payment.

6. Initiate the Payment:

  • Confirm the payment details, including the payee (Bank of India Credit Card) and the payment amount.
  • Please input your UPI PIN to validate the transaction.

7. Payment Confirmation:

  • After successful authorization, you will receive a payment confirmation within the UPI app. Save or take note of the transaction ID or confirmation for your records.

8. Logout or Close the App:

  • For security reasons, always log out of the UPI app or close it when you’re done with the transaction.

9. Check Bank of India Credit Card Account:

  • After a short while, check your Bank of India Credit Card account to ensure that the payment has been credited. This may take a few hours or up to a business day to reflect in your credit card account.

How to pay Bank of India Credit Card Bill Using Paytm App

To pay your Bank of India Credit Card bill using the Paytm app, follow these steps:

1. Download and Install the Paytm App:

  • If you haven’t already, download the Paytm app from your device’s app store and install it.

2. Log In or Sign Up:

  • Open the Paytm app and log in with your Paytm account credentials. If you don’t have a Paytm account, you will need to sign up for one by providing your mobile number and verifying it with an OTP (One-Time Password).

3. Add Money to Your Paytm Wallet (if necessary):

  • Ensure that your Paytm wallet has sufficient funds to make the credit card bill payment. If your wallet balance is low, you can add money to it using various payment methods within the app.

4. Navigate to the “Credit Card” Section:

  • Inside the Paytm app, look for the “Credit Card” or “Bill Payment” section. This is where you can initiate your credit card bill payment.

5. Select “Bank of India Credit Card” as the Biller:

  • Choose “Bank of India Credit Card” as the biller or payee. Paytm typically provides a list of billers, so you may need to search for it.

6. Enter Credit Card Details:

  • Enter your Bank of India Credit Card details, including the 16-digit card number and the name on the card.

7. Enter Payment Amount:

  • Specify the amount you want to pay toward your credit card bill.

8. Initiate the Payment:

  • Confirm the payment details, including the payee (Bank of India Credit Card) and the payment amount.
  • You may be asked to authenticate the transaction using your Paytm PIN or other authentication methods provided by Paytm.

9. Payment Confirmation:

  • After a successful transaction, you will receive a payment confirmation in the Paytm app. Remember to either save or jot down the transaction ID or confirmation for your own documentation.

10. Logout or Close the App:

  • For security purposes, log out of the Paytm app or close it when you’re done with the transaction.

11. Check Bank of India Credit Card Account:

  • After a short while, check your Bank of India Credit Card account to ensure that the payment has been credited. Please allow some time for the transaction to appear in your credit card account, and exercise patience during this period.

How to Make your Bank of India Credit Card Bill Payments Offline?

How to pay Bank of India Credit Card Bill through Cash

To pay your Bank of India Credit Card bill in cash, you can follow these steps:

1. Visit a Bank of India Branch:

  • Locate the nearest Bank of India branch. You can find branch locations on the bank’s official website or by using a branch locator tool provided by the bank.

2. Collect a Credit Card Payment Slip:

  • Upon reaching the bank branch, approach the customer service or teller counter and request a “Credit Card Payment Slip” or “Credit Card Bill Payment Form.” This form is typically available at the branch.

3. Fill Out the Payment Slip:

  • Fill out the payment slip with accurate details, including your Bank of India Credit Card number, your name, the payment amount (in cash), and any other required information.

4. Submit the Payment Slip and Cash:

  • Hand over the completed payment slip along with the cash amount you wish to pay to the bank teller or designated personnel at the counter.

5. Receive a Receipt:

  • Once your payment is processed, the bank will furnish you with a receipt confirming the settlement of your credit card bill. Ensure that the receipt contains all the relevant details, including the payment amount, date, and confirmation number.

6. Verify Payment on Your Credit Card Account:

  • After a short while, check your Bank of India Credit Card account to ensure that the payment has been credited. Your credit card account might not show the payment right away; it could take a while to appear.

7. Keep the Receipt for Your Records:

  • Keep the payment receipt secure for your records. Having it on hand could prove valuable if there are any questions or issues regarding payments.

How to pay Bank of India Credit Card Bill through Cheque

To pay your Bank of India Credit Card bill through a cheque, follow these steps:

1. Prepare a Cheque:

  • Write a cheque for the amount you wish to pay towards your Bank of India Credit Card bill. Ensure that the cheque is drawn in favor of “Bank of India Credit Card Account” or as per the specific payee name mentioned on your credit card bill statement.

2. Write the Necessary Details:

  • On the face of the cheque, provide the following details:
  • The date: Write the current date on the cheque.
  • Payee’s name: The payee should be specified as instructed on your credit card bill statement.
  • Amount in words and figures: Please express the amount in both written words and numerical figures to prevent any inconsistencies.
  • Your signature: Please affix your signature within the specified section on the check.

3. Add Relevant Information:

  • If required, you may also need to provide your Bank of India Credit Card number, your name, and your contact information on the reverse side of the cheque. Check your credit card statement for any specific instructions regarding this.

4. Drop Off the Cheque:

  • Visit your nearest Bank of India branch or any designated dropbox location where they accept cheque payments for credit card bills.

5. Receive a Receipt or Acknowledgment:

  • After depositing the cheque, you may receive an acknowledgment or a payment receipt from the bank. This document serves as proof of payment.

6. Verify Payment on Your Credit Card Account:

  • After a few days, check your Bank of India Credit Card account to ensure that the cheque payment has been credited. Your credit card account might not show the payment immediately; it could take a while to appear.

7. Keep Records:

  • Retain a copy of the cheque and the payment receipt for your records. These documents can be useful for reference in the future.