How to Pay Credit Card Bill through Cheque?
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01 JULY, 2023

Paying your credit card bills on time is an excellent way to maintain your credit score and financial well-being. It is also a good way to avoid the credit card debt trap. If you recently got a credit card, you should know its billing cycle and how to pay your bills on time.

Whether making a physical payment at the bank or using an online medium, making the payment during the billing cycle is all that’s important. Let’s discuss how you can make credit card payments via cheque here.

Define credit card payments by cheque

When a credit card holder writes a cheque favouring the credit card and puts it in the drop box or cheque deposit machine to make their credit card bill payment, this is known as credit card payment by cheque.

Importance of credit card cheque payment

Credit card cheque payment is simple, safe, and convenient. The cardholder needs to draw a cheque favouring the credit card number and issuer with the desired amount and signature to make the payment.

If a business manages its payments via its account department and employees don’t have access to online transactions, under such a situation, payments are made through cheques to pay the credit card bills. It even helps the business owner track all transactions for accounting and tax reasons.

Why should you pay your credit card bills by cheque?

It is suggested to pay your credit card bills via cheque because of the given reasons:

  • Payments done by cheque do not carry any minimum and maximum limit on the amount the user has to pay, unlike other payment methods such as NEFT and IMPS.
  • If you are uncomfortable with online banking, cheques are a more convenient and straightforward option to pay your credit card bills.

How to make credit card bill payments using cheques?

To pay your credit card bill payment via cheque, you should follow these steps:

  • Visit the branch in which you have your bank account 
  • Enquire the available official for a cheque deposit slip 
  • Fill in the following details:
    • Your credit card number
    • Name as mentioned on your credit card
    • Details of the cheque, such as your bank name, cheque number, and bill amount
    • The contact number of the depositor
    • Pin the cheque and deposit slip together and slide it into the ATM or drop box at the bank

It is advisable to go through the credit cheque payment processes and guidelines as per the issuer to ensure all the details mentioned by you are correct. Remember, the clearance of the cheque may differ from one bank to another. Hence, consider the turnaround time when making a credit card payment by cheque to ensure you don’t surpass the deadline.

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Advantages of credit card bill payment through cheque

Paying a credit card bill with a cheque comes with certain benefits. Some of the benefits are:

  • Credit cheque payment is a convenient option for those who don’t have access to online banking or the Internet.
  • You can cross the cheque while depositing it towards a credit card payment, ensuring the payment is only made to the specific credit card issuer, thereby eliminating the risk of fraud.
  • Cheques are a more reliable and easier option when making large credit card payments compared to other payment methods, such as NEFT, RTGS, and IMPS, as they have caps on the maximum limit.
  • You can deposit a post-dated cheque to plan the payment for a future period.


Before you pay a credit card bill by cheque, it is essential to go through the terms and conditions of the credit card issuer and bank cautiously. Also, ensure you have sufficient balance in your account before making a cheque payment to your credit card provider.

Kotak811 offers its users the flexibility to make their credit card payments the way they want, including cheque payments.

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.