How to Pay Electricity Bill through Credit Card?

Paying utility bills like electricity and water bills through your credit card can give you various rewards and offers. It is also an easy process and requires no effort. 

In this article, we will talk about various payment methods, including online portals, internet banking, mobile banks, and UPI apps. Choose the most convenient way to settle your electricity dues. 

4 Easy Ways to Pay Your Electricity Bill by Credit Card

Searching ‘can we pay electricity bill through credit card’? Well, yes you can! There are four easy ways to pay your electricity bill using your credit card. Let’s look at them one by one -

1. Through the Electricity Provider's Website or Mobile App

You can visit your electricity board’s official portal and pay your bill from there. Here are the steps you will have to follow -

• STEP 1: Find the ‘Bill Payments’ section and click on it.
• STEP 2: Enter your customer ID or account number.
• STEP 3: Select ‘Credit Card’ in the mode of payment.
• STEP 4: Enter your card details as prompted and make the payment.

2. Through Internet Banking

Paying your electric bill through internet banking is another option. Follow these steps to pay your electricity bill through internet banking -

• STEP 1: Go to your bank’s Internet banking portal and log in using your credentials.
• STEP 2: Go to the ‘Bill Payments’ or ‘Utility Bills’ section.
• STEP 3: Choose your electricity provider from the list and enter your account details.
• STEP 4: In the payment mode, select your credit card issuer from the list.
• STEP 5: Enter your credit card details and make the payment. 

3. Through Mobile Banking

Mobile banking apps are easy to use because you can access everything right from your smartphone. Here are the steps you need to follow to pay your electric bill through mobile banking -

• STEP 1: Log in to your bank’s mobile banking app using your ID and password.
• STEP 2: Find the ‘Bill Payments’ or ‘Utility Bills’ section.
• STEP 3: Select your electricity provider and enter your account details.
• STEP 4: As a payment option, select your credit card.
• STEP 5: Enter your card details and complete the payment.

4. Through UPI Apps 

UPI apps like Google Pay, PhonePe, Paytm, etc. can also be used to pay your electricity bills. Follow these steps to do so -

• STEP 1: Launch your favorite UPI app and go to ‘Bill Payments’.
• STEP 2: Choose your electricity provider from the list.
• STEP 3: Enter your account details and the bill amount.
• STEP 4: If your card is already linked, just select that. If not, you can link it.
• STEP 5: Complete the payment as prompted by the app.

Points to Remember Before Paying Electricity Bill through Credit Card

There are certain things you must keep in mind before paying your utility bills through credit cards -

• There might be a convenience fee that you will have to pay.

• If you don’t pay off the amount in full by the end of the next cycle, you will incur interest charges.

• Consider setting up auto-pay options to help avoid missing payments.

• There may be a limit to the rewards you get by paying utility bills.

• Ensure you have enough amount left in your credit card limit to pay the electricity bill.

• Make sure to verify the bill amount before making the payment.

Benefits of Paying Electricity Bills Using Your Credit Card

There are some benefits of paying utility bills through credit cards. Let’s look at some of them -

• You can earn rewards and benefits by using your credit cards to pay utility bills.

• You can set up auto payments and not have to worry about missing due dates.

• Build a credit history by making regular payments from your credit card.

• Track the payments made easily as there is a record of all payments made using the credit card.

• Track and manage monthly electric expenses.