Does The Use Of Credit Cards For Online Bill Payments Promise Safety?

Does The Use Of Credit Cards For Online Bill Payments Promise Safety?

If you want to make online bill payments, you might be wondering if it is safe enough. Well, there are many options available for online payments; each has pros and cons. So, what should you choose? Is it possible to use credit cards for the payment of your bills? The answer is yes, but still, some terms need to be applied.

The Online Bill Payments – A Quick Look

Online bill payments are a convenient way to pay bills. It’s also a secure way to pay bills, and you can use your credit card, debit card, or net banking account without any hassles. It is the most convenient payment method for those who don’t have access to internet facilities at their home or office. 

Online bill payments take a few minutes after logging in with your username and password on the website where you want to pay off your bills, such as electricity/telecom bills, insurance premiums, etc.

You will be redirected to the a page, where all information needed for making an online payment has been provided by the RBL credit card payment system itself. So there is no need for any additional documentation during the process, or else, to go even easier, you can use apps like MobiKwik. 

How to Choose the Right payment mode with some examples?

When choosing the right payment mode, you should consider the following factors:

  • Credit cards have high-interest rates and may not be a good choice if you want to save money on your bills.
  • Debit cards have low-interest rates and are an excellent way to save money on your monthly payments. However, they do not provide any kind of protection against fraud or lost card details as credit cards do.
  • Debit cards also have more security features than credit cards, but they can be more challenging to use in some countries due to their lack of acceptance in certain places (for example, Australia).

Debit cards and internet banking

If you are looking for a way to pay your bills online, the best option is a debit card or internet banking. You can use them for all kinds of transactions, including payment of bills and shopping online.

Debit cards are convenient because they don’t require any bank account setup or verification process before starting the transaction. Most debit cards work like cash at any point during the day when they’re used in everyday life.

You can buy things from anywhere that accepts plastic payments, and no additional charges are involved in using them either! However, some banks may charge higher fees than others depending on where they live, so you must do your research before deciding which one might suit you best according to location requirements.

Best to use – mobile apps, debit cards, or internet banking for safety

Although credit card payments are safe, they are not secure. Credit cards are not anonymous and can be easily tracked by the government or any other agency wanting to check your transactions.

You will also have to pay a fee if you wish to cancel your bill payment after making it through RBL Credit Card Payment, Axis Bank Credit Card Bill Payment, or any other similar service provider.

In that case, mobile apps like MobiKwik and Paytm are always great options due to their convenience and security. They also have the advantage of not having long wait times at branches. Mobile banking is convenient, but it doesn’t offer the same level of security as using your debit card or online banking.


As seen above, using credit cards for online bill payments is a safer but not so secure option than relying on debit or internet banking. But if you still want to go on with it, MobiKwik can have your back to pay the bills securely. 

It’s not just a matter of convenience; it’s also about security. For example, you don’t want your money stolen because someone hacked into your account or used the information to make fraudulent purchases.

If you already have an RBL or Axis Bank Credit Card, then you can also use that. However, if not yet, we recommend starting with a debit card or bank account before moving on to a credit card.


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