Paying your credit card bill doesn’t have to be a headache. With different methods available, it’s about choosing the one that works best for you and ensures your payment arrives on time.

Pay Through Online Banking And Mobile Apps

Every major Malaysian bank allows you to pay your credit card directly from your savings or current account.

If you hold your credit card with the same bank as your savings account, payments typically reflect immediately. Cross-bank payments through online banking usually take one working day to process, though some banks now offer instant transfers via DuitNow.

Most banks process same-day payments if you transfer before their cut-off time on weekdays, but transfers made after this time or on weekends and public holidays typically reflect the next working day. Check your bank’s specific cut-off times as they vary.

Use ATMs For Quick Payments

At your own bank’s ATM, select the credit card payment option, enter your card number, and choose the amount you want to pay onto your card. These payments usually reflect the same day if made before the cut-off time.

Paying at another bank’s ATM works through the Interbank GIRO (IBG) system operated by PayNet. IBG transfers can take one to two working days to process, so if your payment is due tomorrow, you’ll want to use a faster method instead. Some banks also charge fees for interbank ATM transactions.

Set Up Auto-Debit To Never Miss Payments

You can authorise your bank to automatically deduct a specified amount from your savings or current account each month, either the minimum payment, a fixed amount, or the full outstanding balance. Set this up through online banking or by visiting your bank branch with your credit card number, the account you want debited, and your preferred payment amount.

Just make sure your current or savings account has sufficient funds before the auto-debit date. If the deduction fails due to insufficient funds, you’ll still be marked as having made a late payment.

Pay At Bank Branches And Post Offices

You can visit your bank branch to pay at the counter with cash or cheque. Just bring your credit card statement or card number. This guarantees same-day payment if you pay before the branch closes, though it does mean physically visiting during operating hours.

Post offices in Malaysia also accept credit card payments for certain banks through Pos Malaysia‘s bill payment service, though processing times vary, so check with your bank first if you’re considering this option.

Pay Through E-Wallets 

Some Malaysian e-wallets now allow credit card bill payments, though the options are limited.

Touch ‘n Go eWallet and GrabPay have introduced bill payment features that support certain credit cards. However, the availability depends on which bank issued your card, and not all banks have partnered with these platforms.

If your bank is supported, link your bank account or reload your e-wallet, navigate to the bill payment section, and enter your credit card details. Payments through e-wallets typically take one to two working days to reflect.

Use JomPAY Across All Banks

JomPAY is a national bill payment scheme operated by PayNet that works through participating banks’ online and mobile banking platforms. If your credit card issuer has a JomPAY Biller Code, you can make payments from any of the 42 participating banks.

You’ll need your Biller Code (specific to your credit card issuer) and your reference number (usually your credit card number). You can pay from your savings, current, or credit card account, though some credit card issuers may limit the amount you can pay using another credit card.

JomPAY payments are free and typically process on the same day if made before the cut-off time.

Know Your Payment Processing Times

Processing times vary by payment method. DuitNow transfers process instantly 24/7, while same-bank online transfers usually reflect immediately during banking hours. IBG transfers operated by PayNet take one to two working days, and cross-bank payments through traditional channels typically take one working day.

Cut-off times are important because they determine whether your payment counts as received today or tomorrow. These times vary by bank and payment method, so check with your specific bank to avoid late payments.

Avoid Late Payment Fees

The simplest way to avoid late fees is setting up auto-debit for at least the minimum payment amount. Even if you forget to make a manual payment, you won’t be marked late.

If you prefer staying in control with manual payments, set a calendar reminder for three to five days before your due date. This buffer accounts for processing delays.

When paying close to the deadline, use same-bank transfers or DuitNow for immediate processing. Avoid interbank transfers and e-wallet payments when you’re cutting it close, as these carry processing delays that could push your payment past the due date.

If you’ve already missed payments and are dealing with late fees, read about what happens when you don’t pay your credit card debt to understand the consequences and your recovery options. Or if you’re looking for a card that better suits your spending habits, compare credit cards in Malaysia to find one that matches how you actually spend.

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