How to Pay Your House Rent Using Your Credit Card? - Kotak Bank
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10 APRIL, 2023

Paying house rent is probably one of the biggest expenditures that you make every month. Apart from the amount being significant, even the timing of the payment is critical. A date is fixed between the homeowner and the tenant for the rent to be paid on that date each month; skipping the payment is not really an option. While we all make allowances and plan our budgets in such a way that we pay our rent on time, some unforeseen circumstances can crop up. This results in a cash crunch leaving us in a tight spot. But this isn’t the case when you pay rent with credit card.

Some of the best credit card companies have found a solution to this dilemma. To be able to deal with such unavoidable circumstances one can use a credit card to pay the rent. Using a credit card buys us some time in the form of an interest-free short loan. If you pay your credit card bill on time, not only do you get some extra days but you also earn benefits by using credit cards for payments.

What are the Benefits of Paying Rent with Credit Card

The first benefit of using some of the best credit cards is reward points. The more you spend, the more points you earn. These can then be redeemed for various offers or even in the form of a credit to your statement.  With a higher spend you qualify for other perks such as limit enhancements and upgrades. And when you pay rent with credit card, accumulating rewards points becomes easier.

Secondly, you can be exempted from certain credit card charges. Some of the best credit card companies offer an annual fee exemption if you cross a particular spending limit on the card. By paying your house rent on your credit card, you become eligible for waivers and exemptions.

Thirdly, with a faultless payment history and clearing your credit card bills on time, you can sustain a good CIBIL score. As rent amounts are quite high, you build up a good payment plan on the card.

Last but not the least, with an auto-debit option, your rent can be paid automatically, month on month. This leaves no room for any default in making the payment. You also get a credit of 45 to 60 days as your rent stays in your savings bank account.

Important Factors to Consider before Paying your Rent by using a Credit Card

Before you use credit card to pay rent, know the following -

  • Fees - There are various fees associated with your credit card. So be aware of them before doing rent payment using a credit card.
  • Interest Payments - As you know there are interest charges on credit cards, but you should know when they apply. It is effective when you don’t pay your credit card monthly bills. So do keep track of them when you pay rent via credit card.

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How to Pay Rent via Credit Card using Different Platforms

RedGirraffe is one of the first fintech service providers that offered a rent payment feature. This is why it became the preferred credit card payment partner for some of the best credit card companies.  Their unique selling proposition is the low service fee of 0.39%+GST.

Rental platforms such as No Broker and have the option to pay rent using credit cards. The features are simple and the process is neat and easy to follow. They accept all major credit cards.

Another great option to pay house rent using your credit card is the CRED app. The CRED interface is sleek and gives the option to pay directly to UPI IDs as well. The service fee is relatively high at around 1.5%. This is a reliable option that too accepts all credit cards.

When you use a credit card to pay rent, follow this -

  • Enter the payment information, (the amount of rent you need to pay)
  • Save your landlord bank details, and select their account
  • Enter the PIN and complete the payment


Even if you don’t have a cash crunch, it is advisable to use a credit card for rent payments. The benefits are immense and your reward points will outweigh the service fee. You can always check with your credit card provider what percentage of return on each spend is given as a reward. You no longer need constant reminders and both you and your landlord can enjoy a pleasant relationship.

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Frequently Asked Questions

How to pay rent through credit card?

A. The easiest way to pay rent is using credit cards. In this nothing is debited from your bank account. Instead the money is paid via the available line of credit. Rent payment through credit card is easy and just a few clicks away when it is linked to your UPI enabled app. Now you know how to pay rent through credit card.

How to use a credit card to pay rent?

When you use a credit card to pay rent, follow this -

  • Enter the payment information
  • Save receiver’s bank details, and select their account
  • Enter your PIN and complete payment

Can I earn rewards and bonuses by paying the rent using a credit card?

A. Yes, you can earn reward points on your rent payment using credit cards. These earned points can be seen on the credit card statement. You’ll receive the statement monthly on your registered email ID. It means paying rent can be beneficial for earning more rewards with a credit card.

Will my credit score be impacted in case I pay the rent via a credit card?

A. Your credit score won’t be impacted when you pay rent with your credit card. But if you don’t pay the credit card bill after paying the rent with your credit card, surely it will be affected negatively.

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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.