Complete Guide on How to Pay Utility Bills Online with Credit Cards

Maybe you feel like bill paying is a never-ending story, but we have the perfect pick-me-up to get you excited. Using your credit card to pay bills can make the whole process smoother than ever before!

It’s true – use it just like you would when shopping or ordering some late-night munchies, then hit that submit button and relax. With this easy guide, we’ll show you how to do it right so all your payments go off without a hitch.

We know what a pain it can be chasing those due dates, so don’t stay stuck in a loop of payment nightmares — check out the tips here and say hello to an easier way of paying bills!

Paying bills online with a credit card is easy and similar to checking out on an online shopping site. It just requires following the steps starting with selecting your credit card as your payment method. After that, provide all the details exactly the way they appear on your card and billing statement.

Once you submit all your information, you may receive an OTP (one-time password) verification number to confirm your payment.

Alternatively, you can enroll into an auto-charge service of your issuing bank’s hotline where you just need to provide basic info about your credit card account and the bills you wish to pay automatically.

This means no more fussing over remembering due dates or worrying if it will get paid in time – instead, simply pay off your credit card bill every month and stay one step ahead of all your dues!

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

  1. Go to
  3. Log in using your registered User ID and Password
  4. Under My Quick Links, select Credit Cards Bills Payments icon
  5. Click Bills Payments at the top
  6. Select Auto Charge Arrangement
  7. Completely fill out the form and click submit

How to Pay Bills Using a Credit Card from BPI

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

How to Pay Bills Using a Credit Card from Citibank

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

How to Pay Bills Using a Credit Card from UnionBank

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

How to Pay Bills Using a Credit Card from Security Bank

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

How to Pay Bills Using a Credit Card from HSBC

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

How to Pay Bills Using a Credit Card from RCBC

  1. Download the RCBC Digital App from your app store and log in to your account.
  2. From the app dashboard, tap Bills Payment, then tap Pay Bill.
  3. Choose the RCBC credit card you’re going to use, then choose your biller from the list.
  4. Enter the payment details, then tap Pay Now. Review your details before tapping Proceed.
  5. 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 Over the Counter

If you’re looking for an easy way to pay your bills, why not consider using a credit card? Just visit any nearby payment center and follow the same steps as when shopping or buying groceries. Provide the teller with your account number, credit details, and total amount due in order to make successful payments swiftly.

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

Using a credit card to pay your utility bills can be convenient, but it’s important to understand the associated risks. Before you decide if this method is right for you, make sure to consider the following:


  • Quick and easy payments
  • Earn rewards points or cash back with each purchase
  • Secure transactions


  • Potential to accumulate debt if payments are not made on time
  • Risk of penalty fees and high interest rates for late or missed payments
  • Possible difficulty in obtaining additional credit due to frequent use of the card.

Once you understand the risks and rewards associated with using a credit card for utility bills, you can decide whether this is the best option for you. If you determine that it is, make sure to shop around for a card with the lowest fees and interest rates. Additionally, always remember to pay your balance off in full each month to avoid any potential debt!

Tips on How to Use a Credit Card for Bill Payment

1. Set up automatic payments

To ensure that your bills are paid on time, set up an autopay system with your credit card. This way, you won’t have to worry about missing payments and will never have to pay late fees.

2. Don’t carry a balance

It’s important to pay off your balance in full each month to avoid accumulating debt. If you find yourself unable to do this, consider using a debit card or other payment method instead.

3. Choose the right credit card

Do your research and make sure that you are aware of all the associated fees and interest rates for each credit card you are considering. Pick a card that will give you the most rewards and perks while still being low on fees.

Click here to apply for a Citibank Credit Card.

4. Track your spending

Make sure that you keep track of all the bills paid with your credit card to ensure that everything is in order. This will also help you budget more effectively and avoid overspending.

5. Be mindful of rewards programs

Take advantage of any reward programs associated with your credit card, as they can give you discounts or cashback on certain items and services. Knowing how to use your rewards program wisely can help you save money in the long run.

6. Monitor for fraudulent activity

Be sure to monitor your account regularly for any suspicious or unauthorized transactions. If you find anything that looks out of the ordinary, contact your credit card company right away to get it taken care of.

7. Consider applying for a low-interest card

If you are planning on carrying a balance from month to month, it might be worth looking into getting a low-interest card. This can help you save on interest fees and may be more cost-effective than a traditional credit card.

Remember, being smart about your credit card usage is key to making sure that it works for you instead of against you. With the right steps in place and some careful monitoring, using your credit card for bills payment can be a great way to save money and earn rewards.

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