How to Pay Credit Card Bills From Another Bank

From air miles to reward points, credit cards offer a multitude of rewards. This may inspire some of us to make use of a whole army of credit cards to maximise the value of our spending. But rewards maxing comes with a downside — having to manage multiple credit card bills each month.

Juggling multiple credit card bills from various banks is no joke. You’ll need to manage several statements and pay each bill accordingly, and do so before their due date. 

Fortunately, you can streamline the process by choosing to pay all your credit cards from one bank account. This works even with credit card bills issued by other banks.

Yes, you can. Credit card bills are no different from other bills that you encounter in daily life. There are several ways you can pay off your credit card bills.

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

>> MORE: Best Credit Cards in Singapore 2025

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

Paying your DBS Altitude Card credit card bill is easy. You can look up your latest credit card statement by logging onto your digibank mobile app or digibank online account, and pay the outstanding amount listed there.

Now what about your other two credit cards? Do you have to log onto Standard Chartered Bank and American Express' online banking services or fire up their mobile apps? What if you don’t have bank accounts there, or if you’ve temporarily lost access to your mobile banking account? 

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

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

The biggest reason would be convenience. Most people have a main bank account that their salary is credited into. This is also likely to be the same account that they use for paying bills, in order to make tracking their monthly expenditure easier.

The same logic applies when paying credit card bills from other banks. Using one account to pay for everything makes the process more convenient. It's important that you don’t miss out on paying any credit card bills, since late payments may incur hefty interest charges and fees.

Using digibank mobile:

1. Log in with Touch or Face ID, or with your digibank User ID and PIN.

2. Go to "Pay and Transfer".

3. Tap on "Cards".

4. Select the credit card you want to make payment to.

5. Choose which DBS account you'd like to draw your funds from and key in the payment amount.

6. Tap "Next" and review your transaction details.

7. Tap "Transfer Now" once you're satisfied all details are correct.

 Using digibank online:

1. Log in to digibank online with your User ID and PIN.

2. Complete the authentication process.

3. Select "Pay other bank credit cards" under the "Pay" tab.

4. Select the Credit Card you wish to pay to and the Account you will draw the funds from, then enter the transaction amount. Read and accept the terms and conditions before you click "Next".

5. Check to ensure all details are accurate before clicking "Submit" to complete the payment. 

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Launch your OCBC app and log in.

1. Browse the menu and select "Pay".

2. Tap on "Bill Payment", then select "Credit Card".

3. Key in details such as the name of the payee and their credit card number, then tap "Submit".

4. Check to see if all details are correct before you slide to submit.

5. Tap on "Confirm payment" once you're done.

Launch your UOB TMRW app.

1. Log in and select "Pay/Transfer".

2. Look for the credit card you'd like to make payment to under "My UOB Accounts / Cards".

3. Key in the transaction amount.

4. Review the transaction details and slide the "Confirm" button to make payment once you're done.

 Internet Banking

1. Log on to your UOB Personal Internet Banking account.

2. Select "Pay Bills" under "Pay and Transfer".

3. Click on the "My Credit Card Bills" tab and choose the credit card you're making payment for.

4. Key in the transaction amount.

5. Select the UOB account your funds will be drawn from.

6. Check to ensure all transaction details are correct before you click on the "Confirm" button to complete your payment.

Log in to your HSBC Singapore app.

1. First, tap on "Pay and Transfer" before selecting "Pay a bill". Tap on the account you wish to make payment from.

2. Select a payee from the drop-down list and then tap on "Continue", then "Confirm".

3. Key in the transaction amount and tap on "Continue".

4. Review all transaction details before tapping on "Confirm" to complete the payment.

Log onto your Citi Mobile® App.

1. Tap on "Payment & Transfer", then "Local & Internal Transfer".

2. Select the payee you want to make a transfer to; in this case, it would be your credit card issuer.

3. The FAST option will appear under "Review & Confirm" if FAST transfers are applicable for the recipient institution.

4. Check all transaction details to ensure they're correct before tapping on "Pay" under "Review & Confirm".

 Navigate to Citibank's online banking portal.

1. Log in with your User ID and Password.

2. Click on "Payment & Transfer"

3. Select the relevant payee on the drop-down list that appears when you click on "To Account".

4. Click on the "Transfer via FAST (Instant)" option and complete your transfer.

Log in to your Standard Chartered mobile app

1. Navigate to "Transfers & Payments", then tap "Pay Credit Cards"

2. Select the credit card you'd like to make payment to and follow the instructions to complete your payment.

 Log in to your Standard Chartered Online Banking Account

1. Go to "Menu", then tap on "Transfers & Payments".

2. Next, go to "Pay Other Bank Credit Cards"

3. Enter the transaction amount and follow the instructions on screen to pay your credit card bill.

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Navigate to Maybank's online banking portal.

1. Log in to your Maybank2u Online Banking account.

2. Click on "Pay & Transfer", then select "Pay".

3. Select "Other Bank’s Credit Card" under the "Pay To" drop-down menu.

4. Key in the transaction amount and follow the instructions on your screen to complete your payment.

 Launch your Maybank2u SG app.

1. Tap on "Pay Cards".

2. Select "Others" and then tap on your desired payee. In this case, that would be the credit card issuer you'd like to make payment to.

3. Review your transaction details before tapping on the "Confirm" button to complete your payment.

Go to the CIMB Clicks Internet Banking portal.

1. Select "Bill Payment" from the menu to your left.

2. Then click on "Pay Other Credit Cards". 

3. Key in the transaction amount.

4. Follow the instructions on your screen to complete your payment.

Go to the Bank of China Internet Banking portal.

1. Log in to your account with your Username or Bank Card Number, and your Password.

2. Click on Transfer & Remittance and then select your Bank of China debiting account where your funds transfer will originate from.

3. Then select your crediting account from "Other Payee from other banks". 

4. Select "FAST" as your transfer method and key in your desired transaction amount.

5. Review all details to ensure they're correct before clicking on "Submit".

With more than 600 AXS stations dotted across the island, this ubiquitous machine, often seen at train stations, is another great way to pay your credit card bill. 

You can do this in 2 ways: by either tapping on the "Bills" option on the top left or the "Finance" option on the top right.

1. Tap on the grey "Finance" button and then select your bank of choice.

2. Under "Pay your bills", select "Credit Card".

3. Key in the required information, including your credit card number, to proceed.

4. Key in the transaction amount.

5. Review all key details and then select "Proceed to Pay". Follow the instructions on the screen to complete your transaction.

1. Tap on the blue "Bills" button on your right and then select the corresponding bank under "Credit Cards".

2. Choose to proceed with entering your card details manually or by inserting your credit card.

3. Key in your credit card number and re-enter it for verification purposes.

4. Key in the transaction amount.

5. Review all transaction details and proceed to tap on "Confirm" once you are satisfied that all information is correct.

6. Review your payment summary and tap on "Proceed to Pay".

7. Select the account type that corresponds to where the funds will be drawn from. 

8. Enter your PIN.

9. Tap on the "Continue" button to complete the transaction.

Note that this method is applicable for the following banks:

• Citibank

• China Taiping

• DBS

• HSBC

• Maybank

• OCBC Bank

• Standard Chartered Bank

• Bank of China

• CIMB Bank

• RHB Bank

• American Express

• Bank of America

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As explained earlier, the main advantage of paying your credit card bills with funds from your main bank account is convenience. You can pay multiple credit card bills at one go without having to log in to several internet banking accounts. 

One potential disadvantage of paying your credit card bills this way 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 issuer in time. 

To avoid incurring late charges and exorbitant interest rates, be sure to pay your credit card bills at least a week in advance.