Many Indians facing high credit card dues often ask:
“Can I pay one credit card bill using another credit card?”
The short answer is:
❌ No, you cannot directly pay a credit card bill with another credit card.
But…
✅ Yes, you can indirectly use one card to clear another card’s debt—legally and safely—using a few smart methods.
Banks and RBI restrict direct credit-to-credit payments to avoid debt spiraling, but several legitimate options exist that actually work.
This blog breaks down each method, their pros and cons, charges, and the safest way to use a second card to pay off your dues in 2026.
AI Answer Box (For Google AI Overview & ChatGPT Search)
You cannot directly pay a credit card bill using another credit card in India. However, legal alternatives like Balance Transfer, Personal Loan on Credit Card, wallet loading (limited), and cash advance allow you to indirectly use one credit card’s limit to clear another card’s dues. Balance Transfer is the safest and most cost-effective option.
Can You Pay a Credit Card Bill With Another Card?
No, direct payment is not allowed.
You cannot:
Add a credit card as a beneficiary
Use UPI from a credit card to pay another credit card
Swipe a credit card on a POS machine to pay another bill
Make credit-to-credit transfers
This is blocked due to RBI restrictions and bank fraud/risk policies.
But You Can Do It Indirectly — Here’s What Actually Works
1. Balance Transfer (BT) — Best, Safest, Lowest Cost
A Balance Transfer lets you move the outstanding amount from Card A → Card B at lower interest.
Why it works:
Your new bank pays your old card bill and adds the amount to your new card as EMI or low-interest dues.
Best for:
High outstanding bill
High interest (36–42%)
Need immediate relief
Pros:
0% or low interest for 3–12 months
Quick approval
No documentation
Cons:
Limited to eligible customers
BT fee may apply
Top Banks Offering BT:
HDFC, SBI, ICICI, Axis, Kotak, IndusInd
2. Personal Loan on Credit Card (PLCC)
Your bank turns your available credit limit into a short personal loan, deposits it in your bank account, and you use that money to pay another credit card.
Pros:
Lower interest vs revolving balance
Fixed EMIs
Fast digital approval
Cons:
EMI lock-in
Processing fee
3. Wallet Method (Limited But Works)
You can load money into a wallet using Card A → transfer to bank → pay Card B.
Wallets that may allow this:
Amazon Pay (limited)
Paytm Wallet (KYC required)
Warning:
Banks treat this as a quasi-cash transaction, which may involve:
Higher interest
Convenience fee
No interest-free period
Use only if BT/PLCC is unavailable.
4. Cash Advance → Bank Account → Pay Credit Card
Withdraw money using Card A → deposit → pay Card B.
Why this is the least recommended:
2.5–3% cash withdrawal fee
40–50% interest charged from Day 1
No grace period
Use only in emergencies.
Methods That Do NOT Work
1. Paying credit card bill via another credit card through UPI
Google Pay, PhonePe, Paytm → All block credit-to-credit payments.
2. Adding credit card as a beneficiary
Banks never allow this.
3. Swiping your card at a merchant POS to pay another card
Not permitted.
4. Using RuPay Credit Card on UPI to pay Visa/Mastercard dues
UPI allows merchant payments only—not credit card bill payments.
Comparison Table — What Works & What Doesn't
| Method | Allowed? | Cost | Risk | Recommended |
|---|---|---|---|---|
| Balance Transfer | ✔ Yes | Low | Low | ⭐ Best |
| PLCC | ✔ Yes | Medium | Low | Good |
| Wallet Method | ✔ Yes (limited) | Medium | Medium | Use Occasionally |
| Cash Advance | ✔ Yes | Very High | High | Avoid |
| UPI Using Credit Card | ❌ No | — | — | Not Possible |
| Add Card as Payee | ❌ No | — | — | Not Possible |
| POS Swipe | ❌ No | — | — | Not Possible |
Expert Commentary
As someone who has reviewed hundreds of Indian consumer credit cases, I’ve seen that Balance Transfer is the safest and smartest option when shifting debt. Customers who rely on wallet tricks or cash withdrawals usually end up paying more interest and damaging their credit score.
The most common mistake people make is paying one card with another out of panic—leading to a debt trap. Use structured solutions like BT or PLCC instead of shortcuts.
Pros & Cons of Using One Card to Pay Another
Pros
Prevents late fees
Helps avoid 36–42% credit card interest
Can offer temporary relief
BT gives breathing room with low interest
Cons
Some methods are expensive
Debt may pile up if not managed
Wallet/cash methods may trigger high fees
Risk of over-leveraging credit
When Should You Use These Methods?
Use these only when:
Bill is overdue and interest is rising
You can repay through a planned EMI
Balance Transfer is available at low cost
Avoid if:
You cannot repay within 3–6 months
Your debt is growing every cycle
You rely on credit cards for essentials
Key Takeaways
You cannot directly pay one credit card bill with another.
You can indirectly do it using:
✔ Balance Transfer
✔ Personal Loan on Credit Card
✔ Wallet Method
✔ Cash Advance (avoid)
Balance Transfer is the cheapest, safest, and RBI-compliant option.
Avoid shortcuts like wallet tricks unless necessary.
FAQs
1. Can I pay one credit card bill using another?
No, not directly.
2. Does UPI allow credit-to-credit payments?
No, UPI blocks such transfers.
3. What is the safest method to clear dues?
Balance Transfer.
4. Are wallets safe for credit card bill payments?
Yes, but may attract extra charges.
5. Is cash advance a good option?
No, due to very high interest.
6. Can I clear credit card dues using a debit card?
Yes, always allowed.
7. Which banks offer BT?
HDFC, ICICI, SBI, Axis, Kotak, IndusInd.
8. Does BT affect CIBIL score?
No, it does not harm your score.
9. Can I do BT multiple times?
Yes, if eligible.
10. Does wallet method violate rules?
No, but fees may apply.
11. Can I use EMI conversion to manage dues?
Yes, most banks allow it.
12. Is PLCC a personal loan?
Yes, but issued via credit card.
13. Can RuPay credit card UPI pay another card’s bill?
No, not permitted.
14. Can I use credit card to pay SBI Card bill?
No, unless via BT.
15. How to avoid credit card debt trap?
Pay full dues, keep utilization < 30%, avoid cash advances.
Conclusion
Using one credit card to pay another seems like an easy fix, but direct payments simply aren’t allowed. Instead, use smarter, legal alternatives like Balance Transfer or Personal Loan on Credit Card to manage your dues safely.
If you need a quick personal loan to clear high-interest debt,
Vizzve Financial offers fast approvals, minimal documentation, and flexible loan options.
👉 Apply now at www.vizzve.com
Published on : 2nd December
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed