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


Key Takeaways

To pay credit card bills for DBS, UOB, Citibank, and OCBC, you can use various methods such as internet banking, mobile apps, ATMs, GIRO, cheques, and in-person payments. Setting reminders, automating payments, and paying more than the minimum amount can help ensure timely payments, avoid late fees, and maintain a healthy credit score.

Managing your credit card payments is not just about keeping a budget; it’s about steering your financial journey with confidence and precision.

Whether you’re juggling bills from DBS, UOB, Citibank, OCBC, or other major banks in Singapore, understanding the details of various payment methods can make a significant difference in maintaining a healthy credit score and avoiding unnecessary fees.

This guide aims to illuminate the paths you can take to manage your payments efficiently, helping you avoid common pitfalls and leverage the best practices in personal finance management.

Common Payment Methods

Understanding the diverse payment methods available for credit card bills in Singapore can save you both time and potential headaches. Here’s a detailed look at the most commonly used techniques:

Internet Banking

Internet banking is the most convenient way to manage your credit card payments. Each major bank in Singapore offers a robust online platform where you can complete transactions in a few clicks.

Here’s what you need to do:

  • Log into your bank’s online portal.
  • Go to the credit card payment section.
  • Enter the amount and confirm the payment.

ATM Payments

If you prefer offline transactions, ATMs provide a straightforward solution for paying your credit card bill. Simply visit your bank’s ATM:

  • Insert your ATM card and enter your PIN.
  • Select the credit card payment option from the menu.
  • Follow the on-screen instructions to complete the payment.


Setting up a GIRO arrangement ensures that your credit card bills are paid automatically from your bank account each month, eliminating the risk of late payments. To set up GIRO:

  • Fill out a GIRO application form available at your bank or online.
  • Submit the form to your bank either via mail or in person.
  • Once approved, your payments are automated.

Mobile App Payments

Most banks also offer mobile apps that allow you to pay your credit card bills on the go. Using a mobile app typically involves:

  • Downloading your bank’s official mobile app.
  • Log in with your credentials.
  • Select the credit card payment function and confirm the transaction.


For those who prefer a more traditional method, paying by cheque is still an option. To pay your credit card bill by cheque:

  • Write a cheque payable to your credit card issuer.
  • Mention your credit card number on the back of the cheque.
  • Mail it to the address provided by your bank or drop it at a bank branch.

In-person Payments

Direct payments at your bank’s branch can be reassuring. They allow you to receive immediate confirmation from a teller. This method also provides a personal touch and the opportunity to discuss issues or concerns with bank staff directly.

Each method has its advantages and caters to different preferences. Whether you prioritise convenience or are more comfortable with traditional methods, there is an option to suit every need.

Bank-Specific Payment Instructions: Tailoring Your Approach

Each bank offers unique methods and processes for managing credit card payments. Here’s how to effectively navigate these options for DBS, UOB, Citibank, and OCBC.

DBS: Digital Ease

DBS Digibank Mobile: Log into DBS Digibank to access your credit card section. Choose your card and payment option and follow the prompts to complete the transaction.

Digibank Online: Log in to Digibank with your user ID and PIN. Complete authentication and click pay. Pay for DBS or POSB credit.

ATM: Insert the credit card and enter your PIN. Click on Additional Services, then pay with a Credit Card or Bill. Choose DBS VISA, Mastercard, or Amex. Put the credit card number (bill reference number) here. Choose the type of Account. Put the amount you want to pay and confirm.

GIRO: Set up GIRO payment using Digibank online and follow the prompts to complete your payment.

UOB: User-Friendly Solutions

UOB Internet Banking: Login to your UOB account online and select the credit card you want to pay for. Choose the payment option under the credit card tab.

ATM Payments: UOB ATMs are readily available to make quick card payments. Just follow the on-screen instructions.

Citibank: Comprehensive Tools

Citibank Online: Use Citibank’s online portal to handle your payments efficiently. Go to the credit card section and input your payment details.

Citi Mobile App: The app provides a seamless payment experience. Register your card, and you can pay with just a few taps.

OCBC: Convenience at Your Fingertips

OCBC Online Banking: Log in to your OCBC account, select ‘Payments & Transfers,’ and then choose your credit card for payment.

OCBC Mobile Banking: With the OCBC Mobile Banking app, submit your payment anytime, anywhere.

Tips for Ensuring Timely Payments: Avoiding Pitfalls

Timely payment of your credit card bills is crucial for avoiding late fees and plays a significant role in maintaining a healthy credit score. Here are some strategic tips to ensure you never miss a payment:

Set Up Reminders

Calendar Alerts: Use your phone or computer calendar to set reminders a few days before your payment is due.

Bank Notifications: Most banks offer notification services via their apps or SMS. Enable these alerts to keep track of due dates.

Automate Your Payments

Direct Debit: Arrange for direct debits from your account to cover the credit card bills. Arranged payments ensure you always remember payments.

Recurring Payments: For consistent monthly expenses, set up recurring payments to automatically deduct the amount every month.

Pay More Than the Minimum

Reduce Interest: Paying more than the minimum due amount can significantly reduce the interest accrued on outstanding balances.

Quicker Repayment: This strategy also helps clear your debt faster, giving you financial freedom sooner.

Utilise Mobile and Online Banking

Convenience: Leverage the ease of mobile and online banking to make payments on the go or from the comfort of your home.

Tracking: These platforms often provide tools to track your spending and payments, helping you manage your credit card bill.

Budget Wisely

Monitor Expenses: Monitor your spending habits closely. Use budgeting software or spreadsheets to track where your money goes each month.

Adjust Spending: If you frequently struggle to make bill payments on time, consider revising your budget to prioritise essential expenses.

Need help keeping up with your credit card payments? At Katong Credit, we provide personalised loan solutions to help you manage your finances better. We’re here to assist, whether you’re consolidating debt or covering unexpected expenses. Apply for a loan with us today and simplify your financial obligations quickly.

The Consequences of Late Credit Card Payments: What You Need to Know

Missing a credit card payment can have several detrimental effects on your financial health. Understanding these consequences can motivate timely payments and better financial planning. Late payments can lead to suspending your credit card privileges, such as using your card for further purchases and losing reward points or benefits associated with the card.

Late Fees and Increased Interest Rates

Immediate Costs: Late payments usually result in a fee, and the interest rate on the outstanding balance might increase.

Compounded Interest: The accrued interest can significantly increase the total amount you owe over time.

Impact on Credit Score

Credit Rating: Late payments are reported to credit bureaus, negatively impacting your credit score.

Loan Accessibility: A lower credit score can affect your ability to secure loans in the future, including mortgages or car loans.

Debt Accumulation

Snowball Effect: Missing payments can lead to a cycle of debt that becomes increasingly difficult to manage as each subsequent bill becomes higher.

Stress and Financial Strain: This can place a heavy burden on your financial and emotional well-being.

Collection Actions

Debt Collection: Continued failure to pay can cause the banks to send your account to a collection agency. This transition typically leads to increased pressure from collectors, including frequent calls and letters demanding payment.

Legal Repercussions: In severe cases, banks might take legal actions against you to recover the debt. This could result in wage garnishment, where a portion of your earnings is directed towards debt repayment before it reaches you, or a lien on your assets.

Preventive Measures

Communication with Bank: If you anticipate difficulty paying, contact your bank to discuss possible solutions. Several banks offer flexible payment plans depending on your situation.

Financial Counseling: Seeking help from financial advisors can provide strategies to manage debts effectively.

Keeping Credit Payments Manageable

Effective credit card payment management is a financial necessity and a stepping stone to greater economic freedom. You can ensure timely payments, avoid detrimental consequences, and maintain a strong credit score by utilising the payment methods and tips outlined.

Remember, staying informed and proactive about your financial obligations is critical to navigating the complexities of personal finance.

If you need a financial boost to stay on top of your bills or plan, Katong Credit offers tailored loan solutions that can help. Feel free to apply for a loan with us and explore flexible options that meet your financial needs.