How to pay Credit Card Bill by another Credit Card?

7 mins read

You know how snapping fingers solves problems for a magician. That is exactly how a credit card works for almost half the population today. Earlier it was one swipe of a credit card and your problems were already over, and today it has been reduced to one tap of your credit card and problem solved. Many people are still not aware of the many features that you can enjoy using credit cards. In this article, we will learn how to pay credit card bill by another credit card. We will also cover how you can pay credit card bill using another credit card India, credit card to credit card payment online and how to pay credit card bill from SBI credit card.

How to pay Credit Card Bill by another Credit Card?

How to pay Credit Card Bill by another Credit Card?

Having a credit card or getting one isn’t a big deal today and that is why everyone has one these days. The terms and conditions of credit cards are also not as brutal as they used to be and paying them off has been made easier with technology and options increasing each day. They are incredibly useful if you like hassle-free payments. Let us learn more about them.

What are Credit Cards?

They are your pay later slips. Just like you have these buy now pay later apps today, this is your original pay later option that has now been in existence for quite some time. A credit card is a card that you can ask your bank to issue to you which you can then swipe at stores and other places after you have made purchases from them. What a credit card does is it validates your current purchase and then this credit amount is cut from your bank when you pay your credit card due.

A credit card is the opposite of a Debit card, the one that is used to pay for items instantly instead of purchasing stuff on credit. Due to their nature of use, credit cards enjoy more popularity than Debit cards and they are also known to get people more cashback and rewards, further strengthening their case.

How to pay Credit Card Bill by another Credit Card?

Let us go straight into the question which is in the spotlight, how to pay credit card bill by another credit card? The first part of the answer to this strange question is yes, indeed you can pay for a credit card from another credit card, however, indirectly and not directly. There are three ways by which you can proceed to clear your credit card due using a credit card and these three methods are.


How to pay Credit Card Bill by another Credit Card?

Use the credit card to withdraw money to get cash. Now use this cash to repay the credit card bill and there you have your first method. However, you are charged interest for withdrawing cash using a credit card, and credit card interest rates are already a bit high, so using this method may add to your burden rather than solve problems.


Using E-Wallet, you can transfer the balance or fund to the wallet you want to use to make your payment. Now using the E-Wallet make the payment and you are good to go.

Balance Transfer

As shady as it might be, you can transfer funds from one credit card to another credit card and pay its dues. You can use a card on which the rate of interest is low and on which you are still in your interest-free period and this way you can get a double benefit as well as get done with your credit card bill payment.

Pay Credit Card Bill using another Credit Card India

From what we discussed above we know that only indirectly can you pay credit card using another credit card India. We live in a country where there are shortcut methods for everything, if you give time and space people here will come up with better versions of any original stuff in weeks and that is what makes me wonder if out there we have even more such methods of credit card bill payment by credit card exist.

The fact that we have arrived at this juncture shows today how convenience is the priority. First people need to be given an instrument that helps them pay for their purchases right now on credit and the money is cut at a later date, then to pay off their credit they need further convenience where they use another credit card to pay the previous credit card thereby ensuring that a chain of services keeps following leaving them with an option to finally settle the due when they are ready to call it a day.

Well anyway, necessity is the mother of all intentions as they say and if tomorrow people do decide to come up with some new hack then for sure there will be something that none of us thought about.

Credit Card to Credit Card Payment Online

A briefing above has mentioned how you can make credit card to credit card payment online. You can either use an E-Wallet transfer option or balance transfer option and get done with it. Another method would require you to withdraw cash from a credit card and use that to pay towards your other credit card, but that would become more of an offline method.

How to pay Credit Card Bill from SBI Credit Card

We are already clear about how a credit card works to pay another credit card, however, with the SBI credit card we enter a new avenue and we now take a look at how to pay credit card bill from SBI credit card.

  • Online: You can head to the website of SBI and log in to your account. From here you can clear your card dues by paying off the amount due.
  • NEFT: Bank accounts can also be used to pay off any outstanding credit card dues and for any SBI credit card you can use the respective IFSC code corresponding to your account.
  • Paynet-Pay Online: Using SBI’s net banking facility you can pay your credit card dues.
  • Visa Credit Card Pay: Using the net banking facility you can transfer the fund to any SBI Visa Credit Card.
  • Electronic Bill Payment: You can make use of the electronic bill payments facility to make online payments directly through your bank account.
  • National Automated Clearing House: You can also get your dues directly dedicated from your bank account on the day they are due in the process.
  • SBI Auto Debit: Your SBI card dues can be directly debited from your State Bank of India bank account.
  • Debit Card: You can use other debit cards to pay the bill of your SBI credit card online.
  • Over the Counter: You can pay your SBI card dues at any SBI India branch, over the counter.
  • Cheque-Manual Dropbox: Visit any SBI branch in India and drop in a cheque in the box present at the branch and consider your dues cleared once the cheque clears.
  • SBI ATM: Using your SBI debit card and SBI ATM pay up your SBI credit card dues.

Also Read: 28 Best Credit Card in India

What are the Pros and Cons of having a Credit Card?

There comes a point where it becomes mandatory to talk about the pros and cons that come with an object and this is where we are with credit cards right now. Usually, it is a clear case of having more pros or more cons but with credit cards, it’s a mixed path and ultimately you decide your move, here are the pros and the cons based on which you can conduct thorough research and make an informed decision.


A great way to build credit

To build a credit score you need to have some kind of credit history and to have a credit history you must have taken credit and then managed it. When you take credit the lender reports it to one of the credit rating agencies and from then on your credit management is tracked. If you manage your credit well and make duly payments then you improve your credit score and if you default payments then your credit scores fall. Taking credit can also help you fulfill your life goals or help you achieve a good standard of living if managed correctly.

More Secure

How to pay Credit Card Bill by another Credit Card?

With cash you have a lot of issues like it can be torn, lost, stolen, etc. with credit cards all these problems are resolved. If you lose a credit card you can tell your bank to block the card and the problems are solved. In fact, your credit card company monitors your card and spending habits for any unusual activities, and you get various provisions to make your card management easier.


When using a credit card you as a user stand to earn a number of rewards, cashback offers, air miles, etc. Regularly using credit cards makes you eligible for a lot of offers, rewards, etc. and so it is understandable why so many people use credit cards even for the smallest of transactions today. These gifts, cash backs, etc. can have a further benefit for you and so you like getting more and more of them.


High cost

Signing up for a credit card seems all fun and games till you learn about the costs associated with it. First of all, the charges on a credit card are quite high. Post that there are various other fees and charges like cash charges, overdraw charges, etc. All these charges make having a credit card all the more pricey and thus, credit cards may seem attractive, but they can manage to suck all your money in no time. Also, historically it is evident that one credit card is never enough, and trust us managing one in itself is a handful task; you don’t want to have two cards milking you.

Getting trapped

Not having excess money can sometimes be a blessing in disguise, with a credit card you now get access to all those funds that you didn’t have in the first place. This extra fund might make you go crazy on spending and now you may start splurging money without thinking about various things and might have yourself stuck in an unfamiliar situation where you are in debt. Thus, it is better to stay away from these habits that might turn you bankrupt.

Too many credit cards can damage your credit score

Your credit score is a combination of multiple factors. Your borrowing, your payment history, new credit, type of credit, etc. all these factors come together and make up your 3-digit credit score which can be a CIBIL score, Equifax score, or other such credit scores which decide whether or not you can get certain credit cards or loans. Having a few cards is okay and manageable but after a certain number, you are just adding to your own burden and making tracking cards difficult for yourself which also makes it tricky for you.

These days people are not satisfied with just one credit card and need another just to pay off the previous one. Such is the craze for credit cards today. We have provided you with all the details on how to pay credit card bill by another credit card, pay credit card bill using another credit card India, credit card to credit card payment online and how to pay credit card bill from SBI credit card. Now you know even more ways to utilize your credit card.

Sushma Singh

Sushma is a full-time blogger and financial expert. Join Sushma and 10,000 monthly readers here to learn how to save and invest your money wisely.

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