Can I pay credit card bill with another credit card?

No, not directly. Credit card bills usually cannot be paid using another credit card in the normal way.

But there are workarounds. And risks.

Why credit card-to-credit card payment is blocked

Credit cards are designed for spending, not repayment.

Allowing one credit card to pay another would mean:

• Endless debt loops
• No real money movement
• High default risk

Banks avoid this by blocking direct card payments for card bills.

That’s the basic reason.

What payment methods are usually allowed

Credit card bills are normally paid using:

• Bank account (net banking)
• Debit card
• UPI
• Cheque or cash

Notice what’s missing.

Another credit card.

That’s intentional.

The common workaround people use

Some people still try to manage payments using indirect methods.

For example:

• Balance transfer
• EMI conversion
• Wallet-based routes (now heavily restricted)

These methods shift debt. They don’t remove it.

Balance transfer explained simply

Balance transfer means moving outstanding amount from one card to another.

Benefits:

• Lower interest for a limited time
• Fixed EMI structure

Risks:

• Processing fees
• Interest after offer period
• Reduced available credit

It helps only when planned properly.

Why paying one card with another is risky

Quick tip. This is where people slip.

• Feels like payment, but it’s borrowing
• Interest adds up quietly
• Credit utilisation increases

Short-term relief. Long-term pressure.

Better options to manage card bills

Instead of using another card:

• Pay from bank account
• Convert bill to EMI
• Reduce spending next cycle
• Use emergency savings if needed

Cleaner options hurt less later.

When balance transfer actually makes sense

Balance transfer can help when:

• Interest rate is lower
• EMI fits monthly cash flow
• Full repayment plan exists

Without a plan, it backfires.

FAQ

Can any app allow card-to-card bill payment?

No, direct card-to-card payment is not supported.

Is balance transfer the same as paying by another card?

No, it’s a loan move, not a payment.

Does balance transfer affect credit score?

It can, depending on utilisation and repayment.

In short

Credit card bills cannot be paid using another credit card directly.

Workarounds exist, but they carry cost.

Real payment needs real money.

Thinking about clearing card dues without increasing stress?