How to Set Up Auto Pay for Your Credit Card Bill Online: A Comprehensive Guide

Paying credit card bills on time is important to avoid late fees, interest charges, and damage to your credit score. With busy schedules, remembering every due date can be difficult. Auto Pay helps solve this by ensuring your credit card bill is paid automatically each month.

How to Set Up Auto Pay for Your Credit Card Bill Online: A Comprehensive Guide
Auto Pay ensures your credit card bills are paid on time without manual tracking.

Once Auto Pay is enabled, payments happen on the due date without manual effort, helping you stay consistent and stress-free.

What Is Auto Pay?

Auto Pay is a facility that automatically deducts your credit card bill amount from your linked bank account on the due date. Setting up auto pay feature is often one of the credit card tips provided by finance experts.

You can choose how much you want to pay each month:

  • Full Statement Balance: Pays the entire bill and avoids interest charges
  • Minimum Amount Due: Helps avoid late fees, but interest may still apply
  • Custom Amount: Allows you to set a fixed amount every month

Setting up Auto Pay removes the risk of forgetting due dates and supports a healthy credit score.

Ways to Set Up Auto Pay Online

1. Through Your Bank’s Net Banking Portal

  • 2.Log in to your bank’s Net Banking portal (such as HDFC, SBI, or ICICI)
  • 3.Go to the Credit Card section and select Auto Pay or Standing Instructions
  • 4.Choose your credit card and select full, minimum, or custom payment
  • 5.Link your savings account, confirm the payment date, and submit

2. Using Your Bank’s Mobile App

  • 1.Open your bank’s mobile app (HDFC, SBI YONO, Axis Bank, etc.)
  • 2.Navigate to Credit Card Services and select Auto Pay
  • 3.Choose your card and payment preference
  • 4.Confirm and authorise the setup

3. Through Third-Party Payment Apps

Apps like CRED, Paytm, and Google Pay also support Auto Pay for credit cards.

  • 1.Open the app and go to Credit Card Bills
  • 2.Select your credit card and tap Enable Auto Pay
  • 3.Link your bank account and choose the payment type
  • 4.Authorise using UPI or Net Banking

4. Via Your Credit Card Issuer’s Website

  • 1.Log in to your card issuer’s website (such as SBI Card or Axis Bank)
  • 2.Go to Payment Options → Auto Debit
  • 3.Enter bank details and select payment type
  • 4.Verify the setup using OTP

5. Using UPI Auto Pay

  • 1.Open a UPI-enabled app like PhonePe, Google Pay, or Paytm
  • 2.Navigate to Auto Pay→ Select your credit card issuer
  • 3.Set up a recurring mandate with the desired payment amount
  • 4.Approve the mandate using your UPI PIN

How to Modify or Cancel Auto Pay

  • Net Banking or Mobile App: Go to Standing Instructions to modify or cancel
  • UPI Auto Pay: Revoke the mandate from the Manage Mandates section
  • Third-Party Apps: Disable Auto Pay from app settings

Benefits of Using Auto Pay

  • Avoid late fees and interest: Payments are always on time
  • Protect your credit score: Timely payments help maintain a good CIBIL score
  • Save time and reduce stress: No need to track due dates manually
  • Prevent missed payments: Bills get paid even during busy periods
  • Match salary cycles: RBI allows due dates to be adjusted for better cash flow

Auto Pay is a simple way to bring consistency to credit card bill payments. Once enabled, it reduces the risk of missed payments and helps keep finances organised without daily tracking. It works best for multiple credit card holders who wish to combine regular statement reviews and manage responsible spending habits.

For multiple credit card holders, managing loyalty programs and credit card rewards should be simple. SaveSage, the smart credit card app, assists you to keep everything simple with the help of an AI assistant which acts as your personal credit card manager.