RBL Bank Credit Card Payment through Mobile Banking

Last Updated : June 7, 2025, 3:11 p.m.

In an era where convenience is paramount, paying your credit card bill via mobile banking has become a go-to option for many. For RBL Bank credit cardholders, using the RBL Bank Mobile Banking app is one of the fastest and safest ways to clear dues without visiting a branch or ATM. This comprehensive guide will walk you through RBL Bank credit card payment through mobile banking, covering prerequisites, a step-by-step process, comparisons with other methods, and frequently asked questions. Structured for clarity and optimized for search intent, this article aims to secure top rankings and attract maximum clicks.

Benefits of Using Mobile Banking for RBL Credit Card Payment

1. On-the-Go Convenience
   
   • With RBL Bank credit card payment through mobile banking, you can pay anytime—whether you’re at home, at work, or on the move. No need to queue at ATM machines or visit a bank branch.
     
   • Simply launch the RBL Bank Mobile Banking app on your smartphone, and settle your credit card dues in minutes.
     
2. Immediate Transaction Processing
   
   • Payments initiated before RBL Bank’s daily cut-off time (typically around 8:00 PM IST) are processed on the same day, ensuring your outstanding amount is cleared promptly.
     
   • You avoid the waiting period associated with cheque clearances or third-party portals.
     
3. Robust Security
   
   • RBL Bank employs strong encryption protocols and multifactor authentication (MFA) in its mobile banking app to protect your credit card payment .
     
   • Features such as one-time passwords (OTPs) and device verification ensure that only you can authorize transactions. For more on credit health, Check Your CIBIL Score for Free on Wishfin .
     
4. Easy Tracking of Payments
   
   • Every transaction is recorded under the app’s transaction history, allowing you to review past payments and reconcile them when needed.
     
   • This helps you maintain a clear record of spending and payment dates for budgeting purposes.
     

Given these advantages, using the mobile banking app to complete your RBL Bank credit card payment through mobile banking offers unmatched speed, security, and convenience.

What You Need Before You Begin?

Before attempting to make RBL credit card payments through mobile banking, make sure you have:

1. Active RBL Credit Card
   
   • Ensure your RBL credit card is not blocked or suspended.
     
   • Keep your card details, particularly the last four digits, for verification.
     
2. Registered Mobile Number
   
   • The mobile number registered with RBL Bank must match the one you use for the mobile banking app to receive OTPs without issue.
     
3. RBL Bank Mobile Banking App
   
   • Download the authentic “RBL Bank Mobile Banking” app from Google Play Store (Android) or App Store (iOS). Avoid third-party downloads to prevent malware risk.
     
4. Fund Availability in Linked Account
   
   • Confirm that the bank account linked to your mobile banking profile—savings or current—has enough balance to cover the total payment amount.
     
5. Internet Connectivity
   
   • A stable Wi-Fi or mobile data connection is necessary to avoid transaction failures or timeouts.
     

Once these prerequisites are in place, you can confidently proceed with RBL Bank credit card payment through mobile banking.

How to Pay Your RBL Credit Card Bill via Mobile Banking?

Follow these straightforward steps:

1) Download and Install the App

• For Android Devices :
  
  1. Open the Google Play Store and search for “RBL Bank Mobile Banking.”
     
  2. Identify the official app (with the RBL logo) and tap Install.
     
• For iOS Devices :
  
  1. Open the App Store and search for “RBL Bank Mobile Banking.”
     
  2. Tap Get to download and install the app.
     

Reminder : Always verify the developer’s name—“RBL Bank Ltd”—to ensure you have a genuine application.

2) Complete Registration and Login

1. First-Time Users :
   
   • Open the app and choose Register Now.
     
   • Enter your Customer ID or Registered Mobile Number.
     
   • Create a login password/PIN and verify via OTP that RBL Bank sends to your mobile.
     
2. Returning Users :
   
   • Launch the app and input your Username (which could be your customer ID or registered mobile number).
     
   • Enter your Password/PIN.
     
   • You can also login via biometric (fingerprint or face ID) if you’ve set it up earlier.
     

Once authenticated, you will land on the app’s dashboard, which displays various banking options including credit card management.

3) Locate the Credit Card Section

1. Select the “Credit Card” icon or menu option on the home screen and tap.
   
2. You will see a list of all your linked RBL credit cards.
   
3. Select the specific credit card account you wish to pay.
   

Tip: In some app versions, “Credit Card Bill Payment” might be nested under “Payments & Transfers”. If “Credit Card” isn’t immediately visible, navigate to Payments → Credit Card Bill Pay.

4) Choose Card and Specify Amount

1. After selecting your RBL credit card, you’ll view details like Current Outstanding, Minimum Due, and Due Date.
   
2. Choose one of the payment options:
   
   • Full Outstanding Amount : Automatically populates the exact total due.
     
   • Minimum Due : Populates only the minimum payment required to keep your account in good standing.
     
   • Wanted Amount : Enter the amount you wish to pay between the least amount due and total outstanding.
     
3. Authenticate the amount is correct before confirming.

5) Confirm Payment Details

1. Payment Date :
   
   • By default, the date is set to “Today.” You can schedule it for any future date before your due date if preferred.
     
2. Debit Account :
   
   • Choose the savings or current account from which funds will be deducted.
     
3. Review Details :
   
   • Double-check the last four digits of the credit card number, payment amount, and selected debit account.
     
4. Proceed :
   
   • Tap “Pay Now” or “Proceed”.
     
   • Enter the OTP you receive on your registered mobile number.
     
   • On successful authentication, you’ll see a Payment Confirmation screen, and an SMS/Email alert will follow.
     

Pro Tip : Capture a screenshot of the confirmation page or note down the reference number for your records until the payment reflects in your credit card statement.

Other Digital Channels for RBL Credit Card Payments

While paying through the mobile app is quick and straightforward, RBL Bank credit cardholders can also choose these alternative digital methods:

1. RBL Bank Net Banking
   
   • Visit RBL Bank Net Banking and log in with your credentials.
     
   • Navigate to Bill Payments → Credit Cards.
     
   • Select your credit card, enter the amount, and confirm via OTP.
     
2. UPI (Unified Payments Interface)
   
   • Open any UPI-enabled app (e.g., Google Pay, PhonePe, Paytm, BHIM).
   • Under the “Credit Card Bill Pay” section, add the RBL credit card for which you are going to pay the bill.
   • Enter the card number, specify the amount, and authenticate using your UPI PIN.
     
3. Third-Party Payment Gateways
   
   • Use services like BillDesk, PayZapp, or other bank aggregator websites.
     
   • Enter the required credit card details and make the payment using net banking or UPI.
     
4. Auto-Debit Option
   
   • Register for Auto-Debit via the mobile app or net banking to automatically deduct either the minimum due or full outstanding on the due date.
   • Helps you avoid late payments but offers less flexibility in choosing an exact payment amount.

Each method has its own set of benefits. Net banking provides a full desktop interface, while UPI is convenient if you already use UPI apps regularly. However, the RBL Bank Mobile Banking app remains the most integrated, secure, and user-friendly way to execute RBL Bank credit card payment through mobile banking.

Mobile Banking vs. Other Payment Methods: A Comparison

From this comparison, it’s clear that mobile banking strikes the right balance between speed, security, and ease of use. Net banking is more desktop-centric, while UPI requires initial setup outside of RBL Bank’s ecosystem. Auto-debit ensures no missed payments but lacks flexibility in selecting payment amounts.

Tips for Seamless Mobile Banking Transactions

1. Keep the App Updated
   
   • Install updates promptly and get the advantage of latest security patches and feature enhancements.
     
2. Enable Biometric Login
   
   • Set up fingerprint or face recognition if supported by your device for quicker, secure access.
     
3. Pay Well Before the Cut-Off Time
   
   • RBL Bank’s cut-off is typically around 8:00 PM IST for same-day processing. Initiate payments by at least 7:30 PM to be safe.
     
4. Confirm Card Details Carefully
   
   • Verify the last four digits of your credit card before confirming payment to avoid accidental payments to the wrong card.
     
5. Maintain Sufficient Funds
   
   • Ensure your linked savings/current account has enough balance (plus a small buffer) to cover the payment.
     
6. Monitor OTPs & Alerts
   
   • Keep an eye out for OTP SMSs; they usually arrive within seconds. After payment, check for a confirmation SMS and an email statement update.
     
7. Use Auto-Debit for Minimum Dues
   
   • If you’re worried about forgetting due dates, register auto-debit for at least the Minimum Due amount to avoid penalties, while manually paying the remaining balance if desired.
     
8. Verify Transaction Reversals if Needed
   
   • In case of a failed transaction where funds are debited, wait 24–48 hours for the amount to reverse automatically. If it doesn’t, contact RBL Bank customer care with transaction details.
     

By following these tips, you can minimize errors and ensure your RBL Bank credit card payment through mobile banking goes through smoothly.

Conclusion

Using RBL Bank credit card payment through mobile banking offers a seamless, secure, and efficient way to stay on top of your credit card bills. With the RBL Bank Mobile Banking app, you can quickly log in, select your credit card, enter the amount, and authenticate with an OTP—all from your smartphone. This guide has detailed every step, outlined additional digital payment channels, and provided tips to ensure your transaction proceeds without issues.Stay informed, pay on time, and enjoy the convenience of mobile banking whenever you need to make an RBL Bank credit card payment through mobile banking.