Credit card users often ask if it is possible to pay another credit card bill using one card. There are many such claims on social media, but the reality is different. Direct card-to-card payments are not allowed in India. This rule was introduced to prevent the burden of unmanageable debt and ensure that consumers can make payments securely.
However, this doesn’t mean that such payments are completely impossible. There are some indirect but legitimate methods, such as balance transfers and advance payments. However, these methods come with fees, interest rates, and terms.Therefore, they should only be used with extreme caution. The most common and safest way to pay your credit card bill is by balance transfer. This involves your new card paying your balance directly to your old card company, transferring your debt to the new card.
Why Direct card-to-card Payments Don’t Work?
Banking rules in India clearly state that credit card payments must be made only through a bank account, NEFT, UPI, or netbanking. Card-to-card payments are not acceptable because it increases the customer’s total debt. The original debt is not repaid, it is only transferred. The risk to the system increases.
Many people think they can transfer credit card bills from one card to another using a wallet or UPI app. But in reality: Paytm, PhonePe, GPay do not offer direct card-to-card payments. Many banks have also restricted wallet loading. UPI payments through credit cards are also restricted. So this method does not work.
What if You Have Little Money?
If you are low on funds and want to pay off your card bill, the best option is to look for a balance transfer offer to transfer your balance to a lower interest card. Always choose the correct option.
Why Card-to-card Payments is Risky in the Eyes of the Bank?
If a customer makes payments with another card, makes frequent balance transfers, or takes cash advances, the bank considers them a “high-risk user.”This may result in reduced card limits, possible rejection of new cards, and increased interest rates.
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