How to Pay RBL Bank CC Bill via Bajaj Finserv App

The RBL Bank and Bajaj Finserv co-branded credit card partnership is one of the most established and widely distributed co-brand arrangements in Indian retail lending. Bajaj Finserv — through its consumer finance arm Bajaj Finance Limited — offers several co-branded credit cards issued by RBL Bank, targeted at customers who are already within the Bajaj Finserv ecosystem — EMI card holders, loan customers, and Bajaj Finserv Health and insurance product users.

For holders of Bajaj Finserv RBL Bank credit cards, the Bajaj Finserv app is not just a complementary channel for bill payment — for many cardholders it is the primary app through which they manage their entire Bajaj Finserv financial relationship, including the co-branded credit card. This guide explains the partnership's context, how the Bajaj Finserv app integrates credit card management for RBL co-branded cards, and the complete process for paying the credit card bill through the app.

The RBL Bank and Bajaj Finserv co-branded card partnership

Bajaj Finserv RBL Bank credit cards are issued by RBL Bank under an agreement with Bajaj Finance Limited — the lending and financial products arm of the Bajaj Finserv group. The credit cards in this range are designed for customers who use Bajaj Finserv's broad product ecosystem — including no-cost EMI financing at retail partner stores, health and life insurance, and personal loans — and the co-branded cards extend Bajaj Finserv's financial services relationship to a revolving credit card product.

The cards carry RBL Bank's name as the issuing bank and are regulated as credit card products under RBI's credit card guidelines. RBL Bank manages the credit underwriting, credit limit assignment, interest rate setting, and regulatory compliance. Bajaj Finance provides the customer acquisition, co-branding, and in-app integration within the Bajaj Finserv consumer app.

Because Bajaj Finserv customers interact primarily with the Bajaj Finserv app for managing EMI loans, insurance premiums, and other Bajaj products, the integration of the co-branded credit card management — including bill payment — into the same app creates a unified financial management experience within a familiar interface.

The Bajaj Finserv app and credit card management

The Bajaj Finserv app — available on Android and iOS — serves as the consumer-facing management platform for the range of Bajaj Finserv products including EMI card loans, personal loans, insurance policies, mutual fund investments, and the Bajaj Finserv RBL Bank credit card.

For Bajaj Finserv RBL Bank credit card holders, the app typically surfaces the credit card account within the Cards or Credit Cards section of the app, displaying the current outstanding balance, available credit limit, minimum amount due, payment due date, and recent transaction history. This information is pulled from RBL Bank's card management system through the partnership's API integration — giving the Bajaj Finserv app real-time visibility into the cardholder's account without requiring a separate login to RBL Bank's own app or net banking portal.

This native integration is the key differentiator — the Bajaj Finserv app does not treat the RBL co-branded card as a generic BBPS biller that requires card number entry to fetch balance. Instead, the card account is directly linked to the Bajaj Finserv profile, providing a more seamless view of the account.

Step-by-step: paying the Bajaj Finserv RBL Bank credit card bill via the app

Open the Bajaj Finserv app on your smartphone and log in using your registered mobile number and the OTP or MPIN as configured. From the app home screen, navigate to the Cards section or the Credit Card section — this may be in the bottom navigation under Finance or accessible from the home screen's financial products panel.

Your Bajaj Finserv RBL Bank credit card appears with its current outstanding balance, minimum amount due, and due date. Tap on the card to open the credit card detail screen. From the credit card detail screen, tap the Pay Bill or Make Payment option.

The payment interface displays the total amount due, minimum amount due, and a custom amount field. Select the total amount due for complete financial protection — this is the only payment amount that eliminates interest charges and preserves the interest-free grace period on new purchases. If a partial payment is necessary, enter the custom amount above the minimum.

Select the payment method. The Bajaj Finserv app supports UPI as the payment source — linked to any bank account's UPI handle registered with the app. Select your bank account and proceed. Authenticate using your UPI PIN. A payment confirmation is displayed with a transaction reference number. Save this confirmation.

For standard RBL Bank credit card holders without a Bajaj Finserv product relationship

For RBL Bank credit card holders who do not hold a Bajaj Finserv EMI card or other Bajaj product — and therefore may not have the native co-branded integration — the RBL Bank credit card can still be added as a BBPS biller on the Bajaj Finserv app if the app supports BBPS credit card bill payment for third-party issuers. Alternatively, UPI apps such as Google Pay or PhonePe with RBL Bank as a BBPS biller are the standard routes for non-co-branded RBL card payment outside RBL's own app.

How the payment processes from the Bajaj Finserv app to RBL Bank

Payments made through the Bajaj Finserv app for the RBL co-branded credit card are routed through UPI — the payment debits the cardholder's linked bank account through the UPI rail and is directed to RBL Bank's collection account through the BBPS infrastructure or through a direct API connection between Bajaj Finserv and RBL Bank, depending on the partnership's technical implementation.

From the cardholder's perspective, the debit is immediate upon UPI PIN authentication. The payment reflects on the RBL Bank credit card account within one to two working days — consistent with the standard BBPS and UPI payment processing timeline.

Benefits of managing the Bajaj Finserv RBL card through the Bajaj Finserv app

The primary benefit of using the Bajaj Finserv app for co-branded card management is consolidation. Customers who have both a Bajaj Finserv EMI card or loan and the co-branded RBL credit card can manage both financial products within the same app — viewing EMIs due, credit card outstanding, insurance renewal dates, and other Bajaj Finserv product obligations in one dashboard.

For customers whose primary banking relationship is with another institution, this also means that credit card bill payment can be made through the Bajaj Finserv app using any UPI-linked bank account — without needing to use or set up RBL Bank's own app or net banking.

Auto-pay and standing instructions for the Bajaj Finserv RBL card

For auto-pay setup — monthly automatic debit of the credit card bill — the Bajaj Finserv app may include this option within the credit card management section. If available, configure the auto-pay for the total amount due linked to the bank account registered on the app. If auto-pay is not available through the Bajaj Finserv app, it can be set up through RBL Bank's own net banking portal or RBL Bank customer care, as RBL Bank is the issuing bank and manages the standing instruction infrastructure.

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