How to Pay Utility Bills Online Using a Credit Card in the Philippines

We’ve all been there—the number of due bills to be paid seems never-ending and we start wishing for something more convenient. Wish no more! Credit cards can be a real time-saver when it comes to paying those pesky bills. Whether you’re a pro at online shopping or nocturnal takeaway trips, you know exactly where to find your credit card. The same goes for payment of bills!

So if you’ve been looking for answers on how you can use your card to make payments, this guide is here to save the day. Learn some handy tips, check out the different payment methods available, and easily automate your monthly payments with the help of this guide.

Don’t just jump into something without doing some research first—take the opportunity now and make sure you know exactly what you need before getting started.

Paying bills online is really easy and, in some ways, similar to checking out on an online shopping site.

First of all, select a credit card as your payment method. After that, provide the necessary details from your card and billing statement. Verify the information you’ve inputted before submitting it – some banks require you to use a one-time password (OTP) to confirm your payment.

If you’d like a more hands off approach, set up auto-charge payments with your issuing bank. All you need to do is call their hotline and provide them with info regarding where they will draw your fees from every month.

Once that’s done, then all you have to worry about is making sure there’s enough money in your account to cover what’s due!

How to Pay Bills Using a Credit Card from BPI

Download the BPI Mobile App from your app store and log in to your account.
From the app dashboard, tap the Menu button on the top left, then go to Other Services.
Tap Manage Billers and Payees, then search for the biller you want to enroll.
Once you’re done enrolling, go back to the Menu button, then tap Pay Bill.
Select your BPI credit card, enter the payment amount, then select the biller you just enrolled before tapping Next.
Review your payment details, then tap Confirm to complete the transaction.

How to Pay Bills Using a Credit Card from BDO Auto Charge

Go to www.bdo.com.ph
Click ONLINE BANKING LOGIN and select BDO ONLINE BANKING
Log in using your registered User ID and Password
Under My Quick Links, select Credit Cards Bills Payments icon
Click Bills Payments at the top
Select Auto Charge Arrangement
Completely fill out the form and click submit

How to Pay Bills Using a Credit Card from UnionBank

Download the UnionBank Online App from your app store and log in to your account.
From the app dashboard, tap Pay Bills.
Tap Select Biller, then go to the Biller List tab. Choose your biller.
Enter your biller information, then tap Next.
Enter the payment amount, then choose your UnionBank credit card.
Review your payment details, then tap Pay to complete your transaction.

How to Pay Bills Using a Credit Card from Security Bank

Download the Security Bank Online App from your app store and log into your account.
From the app dashboard, tap Payments and Transfers, then select Pay Bills.
Tap New Biller, then select the biller you’re looking for.
Enter your customer details, then tap Next.
Enter the payment amount, then choose the Security Bank credit card you’re going to use to pay your bill. Tap Next.
Set the frequency of the bill, then tap Next.
Review your payment details before tapping Submit to complete your transaction.

How to Pay Bills Using a Credit Card from RCBC

Download the RCBC Digital App from your app store and log in to your account.
From the app dashboard, tap Bills Payment, then tap Pay Bill.
Choose the RCBC credit card you’re going to use, then choose your biller from the list.
Enter the payment details, then tap Pay Now. Review your details before tapping Proceed.
A one-time password (OTP) will be sent to your mobile number. Enter the OTP then tap Submit to proceed with your transaction.

How to Pay Bills Using a Credit Card from Citibank

Download the Citi Mobile App from your app store and log in to your account.
From the app dashboard, tap the Citi credit card you want to use, then tap Pay a Bill.
Select All Billing Organizations, then search for and select your biller.
Enter the payment details and tap Pay to complete the transaction.

How to Pay Bills Using a Credit Card from HSBC

Download the HSBC Mobile Banking App from your app store and log in to your account.
From the app home screen, tap Pay Bills/Make a Transfer.
Choose your HSBC credit card in the From field.
Tap Select Account, then go to the My Payees tab.
Tap Add a Company at the bottom of the screen.
On the Select a Company field, search for and select the biller.
Enter the payment details and the amount before tapping Confirm.

How to Pay Bills Using a Credit Card Over the Counter

If you want to pay your bills in person, you can use your credit card. Just go to any bills payment center near you. Pay using your credit card like you would for shopping or groceries. Give the teller your account number, credit card details and amount due.

Pros and Cons of Using a Credit Card for Paying Utility Bills

Using a credit card to pay utility bills may be convenient, but there are some pros and cons you should consider before making the switch. Here’s a quick overview of what you need to know:

Pros:

1. Faster payments – You don’t have to wait for checks to clear or worry about late payments.

2. Increased security – Your credit card gives you extra protection from fraudulent activities

3. Improved budgeting – You can easily track and monitor your expenses.

Cons:

1. Additional fees – Credit card companies may charge processing fees for bills payment transactions.

2. Higher interest rates – Interest rate charged on unpaid balances are usually higher than personal loans.

3. Risk of overspending – Overusing your credit card may lead to debt and financial problems.

Tips for Using Credit Card to Pay Utility Bills

Once you’ve weighed the pros and cons, here are some tips you should keep in mind when using a credit card to pay utility bills:

1. Pay your bills on time to avoid accruing interest charges.

2. Make sure you have enough credit limit to cover the payment.

3. Select the highest reward rate for the type of bill you’re paying.

4. Review your statements regularly and check for errors or discrepancies.

5. Set up automatic payments to avoid late fees or missed due dates.

With these tips and pointers, you’re now ready to use your credit card for paying bills and make life a little easier. So go ahead and give it a try! You may find that it’s the best way to manage your monthly expenses.

My Favorite No Annual Fee Credit Card

Citibank Rewards Credit Card is my favorite credit card because it has no annual fee. I can easily use it to pay my utility bills online. It’s very convenient. I don’t need to go the merchant’s office anymore pay the bills. Citibank also offers a lot of promos that’s why I highly recommend it to everyone who’s wise in handling and using credit cards.

Click here to apply for a Citibank Credit Card.