Can we pay electricity bill through credit card?

Hi, 

It's pretty easy to make payments through credit card. I have been doing this for the last 7 months, and the process is quite smooth. Though UPI is much easier than this, but paying electricity bill with credit card comes with a lot of advantages. 

The advantages of paying through credit cards include cashback, etc. You can follow the steps mentioned below to pay your electricity bill through credit cards. 

How To Pay Electricity Bill With Credit Card?

To complete the payment process, I use the NoBroker app. It’s pretty easy to use the app. 

• Download the NoBroker App and open the app. 

• Now, scroll down to locate the Utility Bill Payment section and tap on it.

• Select your state and electricity board. 

• Enter your account number and tap on Get Bill. 

• Following this, you will receive your bill and you need to tap on Pay Bill. 

• Choose the Credit card option and enter your details to complete the payment process. 

Paying electricity bill with credit card has advantages and disadvantages as well. To learn about the advantages and disadvantages of making payments through credit cards, you can check the answers provided by Raunak and Manjeet. I hope the provided information will be of help to you.

Credit cards offer lots of benefits. They give you the ability to do a variety of transactions and reward you for doing so. Cashback or reward credits are the two types of rewards. Paying your utilities is a major part of your monthly budget. It includes things like electricity, water, gas, mobile, telephone, and the internet. So let me tell you how to pay electricity bill through credit card without charges.

How to pay electricity bill with credit card without convenience fee?

From what I know, you will have to pay a certain amount as a convenience fee. But you can get rewards or cashback for paying the bills. In most cases, you will need to create an account, log in, and then add the billers from the list that the bank provides. You are only permitted to use your credit card to pay utility bills if the biller is on the bank's vendor list. This helps you understand how to pay electricity bill by credit card.

Are there any drawbacks to paying your power bill with a credit card?

Using your credit card to pay your utility bills won't cause you too much trouble. You must pay transaction fees, which is a drawback. The majority of banks impose transaction costs ranging from 0.25 percent to 2 percent. This doesn't amount to a big sum when it comes to utility costs. Even if your electricity bill is Rs. 2000, 0.25 percent of that sum is only Rs. 5. Even though this is a little sum, it may add up to a large sum if you have several invoices to pay. This is all about how to pay electricity bill using credit card.

How to pay electricity bill through credit card without charges must be clear to you now.

I have been paying my electricity and other utility bills through my credit card for about 4 months. It’s quite an easy process and can be done in a few minutes. But you should be eligible for that facility as not every bank offers this facility to its customers. This totally depends on your bank terms, your credit score and monthly spending limit. You can earn rewards by paying electricity bills or other utility bills like gas, water, etc. But you should think about all your monthly expenses and decide on paying electricity bills. I will guide you about electricity bill payment by credit card. 

Can we pay electricity bill through credit card?

Yes, of course. You can pay your electricity bills through a credit card. All you have to do is check your eligibility and your bank's terms and conditions. The process to pay the electricity bill through a credit card is different for every bank. 

1) You have to set up a login account with your card provider or respective bank.

2) Once you've created the account, you'll need to select billers from a list provided by the bank.

3) All gas, internet, power, water, DTH, insurance, and other utility service companies will be included on the list.

4) If you want to use the service and pay the bills, your service provider should be on the bank's billers list. Otherwise, you won’t be able to pay the bills.

5) All you have to do now is choose the biller and fill in the required information, such as the customer number and payment amount.

6) This way you can pay the electricity bill.

If you use an HDFC credit card, you can pay your utility or electricity bills through Smartpay.

SmartPay is a credit card-based automatic payment option for paying any of the utility bills It includes phone, electricity, internet, gas, water, insurance, DTH, and other bills. The programme is free, and during that 12 months, you can receive up to Rs. 1,800 in rewards. Login NetBanking –> Cards –> Transact –> SmartPay, to sign up for SmartPay.

Advantages if you pay electricity bill through credit card:

1) For the first six months after enrollment, you will receive a 5% cashback.

2) Fix a limit on the amount of money you can spend on your bills.

3) You can save up to Rs. 150 for each statement period.

This guide will help you with electricity bill payment by credit card.