How to Pay Credit Card Bills from Another Bank

Alevin Chan

Alevin Chan

Last updated 14 May, 2024

Here’s how you can eliminate missed payments and streamline your credit bills, even if they’re from other banks. 

Credit cards offer different types of rewards, which may inspire some of us to make use of different credit cards to generate as much value out of our spending as we can. But doing so comes with a downside – you’ll have to manage multiple credit card bills.  

Paying multiple credit card bills from different providers can be a chore. You’ll need to look up several statements and pay each accordingly, and do so before their due date. 

You can streamline the process by choosing to pay all your credit cards from one bank account. This works even if your credit card bill is from other banks. 

Table of contents:


Can you pay credit card bills from other banks?

Yes, you can. 

Credit card bills are just like any other bills that you encounter in everyday life. You can make payments towards your credit card account to pay off your balance, and there are several ways you can do so.

To be sure, you do not need to have a separate bank account with the same bank that issued your credit card. Your credit card account will suffice. 

How does the process work when paying credit card bills from other banks?

Let’s assume your main banking account is with DBS. You have balances on three credit cards – DBS Altitude Card, Standard Chartered Smart Card, and American Express True Cashback Card

Paying your DBS Altitude Card credit card bill is easy. You can simply login to your digibank mobile app or Internet banking account, look up your latest credit card statement, and pay the outstanding amount listed there.

Now what about your other two credit cards? Do you have to login to Standard Chartered and American Express? What if you don’t have bank accounts there, or have lost your mobile banking logins? 

Well you don’t have to. You can simply add both your credit cards as payees in your DBS digibank mobile app. Once you’ve done so, you can make payments to both credit cards from your main bank account. 

Simply look up the respective credit card statement to pay the outstanding balance.

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Why do some people pay credit card bills from another bank?

The main reason would be convenience. Most people have a main bank account that receives their salary or income. It is likely that they also pay all their bills from the same account as it makes it earlier to keep track of things. 

The same logic applies when paying credit card bills from other banks. Using one account to pay everything simply makes it more convenient. It also helps ensure you don’t miss any credit card payments, which will incur interest charges and a late fee.

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Can you only pay credit card bills from other banks using your bank account?

Not necessarily. If, for whatever reason, you do not wish to use your bank account to pay your credit card bills, you can make use of other bill payment services such as AXS. 

You’ll need to enter your credit card number and save it as a payee. Afterwards, you’ll be able to pay your credit card bill just like with any other bill using AXS. 

Note that AXS requires you to link a valid debit or credit card before you can make any payments. Credit card bills cannot be paid using a linked credit card – you’ll need to link a debit card instead. Make sure you have sufficient balance in your bank account, or your payment will fail. 

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What are the pros and cons of paying credit card bills from other banks?

As explained earlier, the main advantage of paying your credit card bills from another bank is convenience. You can pay all your upcoming credit card bills at one go without having to login to several different Internet banking accounts. 

One potential disadvantage of paying your credit card bills from other banks is that the payment may take some time to clear. This means if you pay your credit card bill on the day it is due, your payment may not reach your credit card account in time, and you may incur late charges.

To avoid this, be sure to pay your credit card bills at least a week in advance.

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Frequently Asked Questions (FAQs)

Q: Can I pay a credit card from a different bank?

Yes, you can. To do so, simply add your credit card as a payee in the bank account you want to pay from. You can also do the same with bill payment services such as AXS.

 

Read these next:

The Only Credit Card Guide You Need in Singapore 2024: Cashback, Miles, Rewards

Which Credit Card Should You Use For Year-End Travel?

How to Convert Credit Card Points to Miles

Card Combos: How to Match Credit Cards to Your Spending Patterns

How To Increase Your Credit Card Limit

What Are The Different Credit Card Fees And How To Avoid Them?

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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