How To Pay Home Rent Via Credit Card

Running low on funds before rent is due? Or just trying to reach your credit card’s annual milestone to avoid those pesky fees? Whatever the reason, paying rent with a credit card might just be your solution. In this article, I’ll show you exactly how to pay home rent via credit card without paying unnecessary charges.

Why Use a Credit Card to Pay Rent?

Let’s start with why this is even worth considering.

1. Helps You Reach Spend Milestones

Many credit cards come with annual spend milestones. For example, your card might waive the ₹500–₹1000 annual fee if you spend ₹1 lakh in a year. Rent is a big monthly expense — so why not put it to good use and reach that milestone faster?

2. Enjoy Interest-Free Credit for Up to 45 Days

Suppose your credit card statement is generated yesterday, and you pay rent today — guess what?
You’ll get up to 45 days to pay back that amount without any interest! It’s like getting a short-term, zero-interest loan from your bank.

3. Manage Cash Flow Easily

Life happens. Whether it’s the end of the month or you’re waiting for a payment to come in — using your credit card to pay rent can give you breathing space.

But — and this is super important — never withdraw cash directly from your credit card at an ATM.
Even if it’s just ₹500, you’ll face steep charges like cash advance fees and daily interest. That adds up quickly.

How to Pay Rent with a Credit Card (Step-by-Step)

There are plenty of apps out there that let you transfer money from a credit card to a bank account, but many of them charge high fees — often 2.5% or more.

 A Better Option: EaseMyDeal App

This is the one I personally use and trust. It’s reliable, fast, and charges as low as 1% for transfers.

Here’s how you can get started:

Step-by-Step Setup

1. Download and install the EaseMyDeal app.
   
2. Open the app and click “Let’s Get Started”.
   
3. Enter your full name, mobile number, and generate OTP.
   
4. Set a 4-digit PIN — this will be your login code going forward.
   
5. Once inside, go to the homepage and select “Pay by Credit Card”.
   
6. Choose Bank Account as the payment method.
   
7. Enter:
   
   • Beneficiary’s account number (your landlord’s)
     
   • Confirm the account number
     
   • Bank IFSC code
     
   • Account holder’s name
     
   • Amount to transfer (e.g., ₹10,000)
     

 Choose the Payment Purpose Wisely

Scroll down and click “Select Payment Purpose.”
You’ll see these two main options:

• Education Fees – 1% fee
  
• Home or Office Rent – 1.35% fee
  

Since we’re paying rent, go with Home or Office Rent.

Now, because you’re transferring funds, the app will ask you to complete your KYC.

Complete KYC (Takes Just 2 Minutes)

1. Enter your Aadhaar number
   
2. Accept the terms and click “Next”
   
3. Enter the OTP sent to your Aadhaar-linked mobile
   
4. Done! You’re now verified to make transfers
   

Now Choose Your Transfer Speed (And Fee)

Here’s where you pick how fast you want the money to be sent — and how much you’re willing to pay:

If you’re not in a rush, go for Economy Transfer — it’s the most cost-effective.

You’ll also see the expected date and time your landlord will receive the money. And don’t worry — most transfers arrive sooner than expected.

Final Thoughts

Paying rent through your credit card might sound unusual, but it’s actually a smart move if done wisely.

You:

• Stay ahead on your credit card milestones
  
• Get interest-free credit for 45 days
  
• Manage your monthly finances better
  
• Avoid ATM cash advance fees
  
• Build credit history with responsible use
  

But always remember — never borrow more than you can repay. Treat your credit card as a tool, not free money.

Disclaimer:

Using a credit card to pay rent should be done responsibly and after reviewing your card’s terms and conditions. Fees, charges, and services mentioned (including those of EaseMyDeal or any other app) may vary and are subject to change without notice. The information provided in this article is for general educational and informational purposes only. While we strive to keep the content accurate and up-to-date, we do not guarantee the accuracy, reliability, or completeness of any information presented.