Question 1

Why does it take three days to process a credit card payment?

Accepted Answer

All credit card payments made through NEFT are processed in half-hour batches. So, you can expect your payment to be processed between 8:00 am to 4:30 pm on all working days, including Saturdays. If you make payment post the regular working hours of the bank, the payment will be processed the following day. However, the issuing bank may take a little longer to reflect the payment in your account. Thus, it is best to make credit card payments three days before the due date to avoid penalties.

Question 2

Is there any maximum limit on processing credit card payment transactions?

Accepted Answer

No, there is no maximum limit to processing credit card payments. However, you can only make transactions up to INR 5 lakhs using your mobile banking app.

Question 3

Are there any additional charges associated with credit card payments online?

Accepted Answer

No, there are no additional charges associated with credit card payments online.

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