How to Pay My Credit Card Bill: DBS, UOB, Citibank, OCBC and More


Key Takeaways

To pay credit card bills in Singapore, major banks like DBS, UOB, Citibank, and OCBC offer various options such as internet and mobile banking, GIRO for automatic payments, and ATMs. Setting up automatic payments, paying more than the minimum, and using budgeting tools can help manage credit card debt effectively, avoiding late fees and interest accumulation.

Managing your finances includes staying on top of your credit card bills. In Singapore, where credit card usage is common due to its convenience and benefits, it is crucial to understand how to manage and pay off your credit card debt efficiently.

This article provides a comprehensive guide on the various payment options available across major banks in Singapore, including DBS, UOB, Citibank, and OCBC. We will explore the traditional methods and some modern ways to manage your payments, ensuring you can maintain good financial health and avoid the consequences of late payments.

General Tips for Credit Card Bill Payment

Here are some strategies to ensure that your credit card bills are paid on time:

Set Up Automatic Payments

Automating your credit card payments can save you from the troubles of remembering due dates and prevent late payment fees.

Most banks, including DBS, UOB, Citibank, and OCBC, offer the option to set up automatic payments through their internet banking or mobile banking platforms. This ensures your bill is paid on time each month, helping you maintain a good credit score.

Pay More Than the Minimum

While paying the minimum amount due each month might be tempting, doing so can result in prolonged debt and higher interest accumulations.

Aim to pay more than the minimum or clear the outstanding balance to keep credit card interest rates in check and reduce overall debt.

Use Credit Card Rewards

If your credit card offers rewards or cash back, use these benefits to offset future purchases or payments. Always check if you can redeem your points for credit payments or other financial advantages.

Monitor Your Budget

Keeping track of your spending is crucial in managing your credit card payments. Regularly review your transactions through internet banking or mobile banking services provided by banks like DBS, UOB, OCBC, and Citibank. Adjust your budget if you consistently spend more than you can afford.

Make Use of Credit Management Tools

Many banks offer tools and resources to help you manage your credit effectively. These can include spending trackers, budgeting tools, and customised alerts for due payments. Engaging with these tools can help you stay ahead of your payments and avoid credit mismanagement.

Payment Options for Major Banks

Paying your credit card bill doesn’t have to be complicated. Each major bank in Singapore offers a variety of methods to accommodate their customer’s preferences and lifestyles. Here’s how you can manage your payments with DBS, UOB, Citibank, and OCBC:


The first payment method is to log in to your DBS Digibank (online or mobile app) to pay your credit card bills. It’s straightforward—select your payment amount and confirm.

For scheduled payments, setting up a GIRO arrangement ensures money is deducted automatically from your bank account each month. You can also use DBS ATMs across Singapore to make quick payments.


Access UOB’s internet banking portal to easily manage and pay your credit card bills, or use the UOB Mighty app for a seamless payment experience directly from your smartphone.

For SMS Banking and PayNow, leverage UOB’s SMS banking or the PayNow service to make payments on the go.


Pay your credit card bills via Citibank’s online banking service, which offers a user-friendly interface and complete transaction history. Use the Citi Mobile app to pay bills, check balances, and even set up payment reminders.

You can mail your payment via cheque to Citibank, ensuring you include your credit card details for reference.


Use OCBC’s Internet banking services to manage your accounts and pay your credit card bills easily.

The OCBC Pay Anyone™ app allows you to pay your credit card bill through your mobile phone at any OCBC ATM or through the app itself.

If you prefer face-to-face transactions, visit any OCBC branch to pay in person.

Special Payment Methods

While most credit card holders use online or mobile banking, several other methods can be equally convenient and secure. Here’s a look at some payment options available across major Singapore banks:

NEFT/FAST Transfers

Almost all Singapore banks support FAST (Fast and Secure Transfers), allowing you to instantly transfer funds and pay credit card bills from any participating bank.

Payment by Cheque

For those who prefer a more traditional method, paying by cheque is still an option. Simply write a cheque payable to your credit card issuer and mail it to their designated address or drop it off at a bank.

SMS Banking

Some banks offer SMS options where you can initiate payments by sending a text message—a convenient option for those without internet access.


With GIRO, you can automate monthly payments to ensure your credit card bill is covered without remembering to make manual payments each time.

Pay by Post

If you’re travelling or prefer not to use digital methods, some banks still accept bill payments sent through the postal.

In-Person Payments

If online transactions aren’t your preference, visiting a bank branch to make in-person payments is always an option. This method also allows you to discuss any issues or adjustments on your account directly with a bank representative.

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What Happens if You Miss a Payment?

Missing a credit card payment can have several negative consequences, affecting your financial and credit rating. Here’s what happens if you miss a payment and how you can handle it:

Impact on Interest Rates

Failing to pay your credit card bill on time can result in higher interest rates on the outstanding balance. Most banks charge a late payment interest rate, which is usually higher than the standard rate, significantly increasing the amount you owe.

Late Payment Fees

In addition to higher interest rates, you’ll also incur late payment fees. These fees can add up quickly, increasing your debt burden.

Credit Score Impact

One of the most significant long-term effects of missing a payment is damaging your credit score. A lower credit score can affect your ability to secure loans in the future and may result in higher interest rates on loans and credit cards.

Collection Activities

If payments are missed regularly, the account may be handed over to a debt collection agency. This process can be stressful and may lead to legal action if the debt is not settled.

Strategies to Manage Missed Payments

Here are some strategies to manage your finances if you find yourself unable to make a credit card payment on time:

Communicate With Your Bank

Contact your bank as soon as you realise you might miss a payment. Many banks are willing to work with customers to establish payment plans to prevent the account from defaulting.

Consider Consolidation

Consider a debt consolidation plan if you have multiple credit card bills and other debts. This can help manage your debts by combining them into one loan with a lower interest rate.

Financial Planning and Budgeting

Review and adjust your budget to better manage your expenses. Identify areas where you can cut costs to save more money for debt payments.

Credit Counselling

If you frequently miss payments and struggle with debt, seeking advice from credit counselling services might be helpful. These services can offer guidance on debt management and help negotiate with creditors on your behalf.

How to Handle Credit Card Debt

Accumulating credit card debt can be stressful, but there are effective ways to manage and reduce it.

Review Your Debt

Begin by understanding exactly how much you owe across all cards. Make a list of each card, its balance, interest rate, and minimum payment. This overview will help you prioritise which debts to pay off first.

Prioritise Debts

Consider the debt avalanche method, where you pay off debts with the highest interest rates first, or the snowball method, where you pay off the smallest debts first to build momentum.

Negotiate Lower Interest Rates

Reach out to your creditors to negotiate lower interest rates. Lowering your rates can reduce the amount of interest you pay and speed up the debt repayment process.

Balance Transfers

If you have good credit, you might qualify for a balance transfer credit card that offers a low or zero per cent interest rate for a promotional period. This allows you to pay down your balance without accruing additional interest.

Create a Budget and Spending Plan

Develop a strict budget that accounts for your income and expenditures. Allocate enough money to cover your debt payments and minimise unnecessary spending. Build an emergency fund so you don’t have to rely on credit cards in a pinch.

Smart Credit Card Payment Practices

Managing credit card payments effectively is crucial for maintaining good financial health and achieving financial freedom. By understanding the different payment methods and employing strategic financial practices, you can avoid late payments and high-interest charges.

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