Remind cardholders of the due date, the minimum due and late fees. Copy a credit card payment message and send it in bulk.
Updated October 2026. 23 templates, all copy-paste ready.
Preview
Dear {{Name}}, Your {{Bank}} credit card statement for the card ending {{Last 4 digits}} is ready. 💰 Total due: Rs. {{Total Due}} 📌 Minimum due: Rs. {{Minimum Due}} 📅 Due date: {{Due Date}} View your statement: {{Link}}
10:24Formal and complete. Give the total due, the minimum due and the due date in one message, so nothing needs a second look.
Dear {{Name}}, Your {{Bank}} credit card statement for the card ending {{Last 4 digits}} is ready. 💰 Total due: Rs. {{Total Due}} 📌 Minimum due: Rs. {{Minimum Due}} 📅 Due date: {{Due Date}} View your statement: {{Link}}
10:24Hi {{Name}}, your statement for {{Month}} is generated. 🛍️ Spent this cycle: Rs. {{Spends}} ⭐ Reward points earned: {{Points}} 📅 Pay Rs. {{Total Due}} by {{Due Date}} to stay interest-free Statement PDF attached. {{Bank}} Cards
10:24Dear Cardholder, Statement for card XX{{Last 4 digits}} dated {{Statement Date}}: 💰 Total due: Rs. {{Total Due}} 📌 Minimum due: Rs. {{Minimum Due}} 📅 Payable by: {{Due Date}} 💳 Available credit limit: Rs. {{Available Limit}} For queries, call {{Helpline}}.
10:24Friendly and early. Remind them of the interest-free benefit and give the quickest ways to pay.
Hi {{Name}}, a friendly reminder about your {{Bank}} credit card bill. 💰 Amount due: Rs. {{Total Due}} 📅 Due date: {{Due Date}}, 5 days from now Pay in full to stay interest-free. Pay by UPI, net banking or the {{Bank}} app at {{Link}}.
10:24Dear {{Name}}, Your card ending {{Last 4 digits}} has a payment due. 💰 Amount: Rs. {{Total Due}} 📅 Due date: {{Due Date}} Paying on time keeps your credit score strong and saves you finance charges. Already paid? Please ignore this message. {{Bank}}
10:24Hello {{Name}}, a heads-up that your credit card bill is due on {{Due Date}}. 💰 Total due: Rs. {{Total Due}} 📌 Minimum due: Rs. {{Minimum Due}} ⚠️ Paying only the minimum attracts interest at {{Rate}}% a month on the rest Pay now at {{Link}}. {{Bank}}
10:24Short and urgent, without panic. One amount, one date, one link.
{{Name}}, your {{Bank}} credit card payment is due today. 💰 Total due: Rs. {{Total Due}} 📌 Minimum due: Rs. {{Minimum Due}} to avoid a late fee 📅 Due date: {{Due Date}} Pay now at {{Link}}. Ignore if already paid.
10:24Dear {{Name}}, The bill for your card ending {{Last 4 digits}} is due today. 💰 Total due: Rs. {{Total Due}} 📌 Minimum due: Rs. {{Minimum Due}} ⏰ Payments made after {{Cut-off Time}} may post tomorrow Please pay early in the day. {{Bank}}
10:24Hi {{Name}}, 📌 Only Rs. {{Minimum Due}} is needed today to keep your {{Bank}} card in good standing. 💰 Paying the full Rs. {{Total Due}} saves you interest. Pay at {{Link}} or through Bharat BillPay in any UPI app.
10:24Warm and quick. Confirm the amount, show what is left, and say thank you.
Thank you, {{Name}}! 🙏 We received your payment towards your {{Bank}} credit card ending {{Last 4 digits}}. 💰 Amount: Rs. {{Amount}} 📅 Date: {{Date}} 💳 Available credit limit: Rs. {{Available Limit}} Have a great day. {{Bank}} Cards
10:24Dear {{Name}}, We have received your payment for card XX{{Last 4 digits}}. 💰 Amount received: Rs. {{Amount}} 📌 Remaining due: Rs. {{Balance Due}} 📅 Pay it by {{Due Date}} to avoid finance charges Thank you for banking with {{Bank}}.
10:24Hi {{Name}}, your full credit card bill is paid. Thank you for paying on time! 💰 Amount paid: Rs. {{Amount}} ✅ You stay interest-free this month ⭐ Reward points to redeem: {{Points}} Redeem them at {{Link}}. {{Bank}}
10:24Firm and factual. State the overdue amount, the late fee in rupees and the date it applies. No threats.
Dear {{Name}}, Your payment on card ending {{Last 4 digits}} was due and is still unpaid. 📌 Amount: Rs. {{Minimum Due}} 📅 Due date: {{Due Date}} 📌 Late payment charge: Rs. {{Late Fee}} if unpaid after {{Grace Date}} Pay at {{Link}}. {{Bank}}
10:24Dear {{Name}}, Your credit card account XX{{Last 4 digits}} is overdue. 📌 Days overdue: {{Days Overdue}} days 📌 Overdue amount: Rs. {{Overdue Amount}} 📌 Late payment charge: Rs. {{Late Fee}} plus GST Please pay at {{Link}} or call {{Helpline}} to discuss a payment plan. {{Bank}}
10:24Dear {{Name}}, Your {{Bank}} credit card ending {{Last 4 digits}} still has an amount due. 📌 Overdue amount: Rs. {{Overdue Amount}} ℹ️ If unpaid, the account may be reported to credit bureaus after a {{Notice Days}}-day notice, as RBI rules require. Please pay or call {{Helpline}} by {{Pay By Date}}.
10:24Formal and precise. Confirm what will be debited and when, and say exactly what to do if it fails.
Dear {{Name}}, Autopay is now active for your {{Bank}} credit card ending {{Last 4 digits}}. 🔁 Each month, the {{Autopay Type}} will be debited on the due date 🏦 From your account ending {{Account Last 4}} To change it, visit {{Link}}.
10:24Hi {{Name}}, autopay for your card bill will run soon. 💰 Amount: Rs. {{Total Due}} 📅 Date: {{Due Date}} 🏦 From account ending {{Account Last 4}} Please keep enough balance in the account the evening before. Questions? Call {{Helpline}}. {{Bank}}
10:24Dear {{Name}}, The autopay for your credit card ending {{Last 4 digits}} failed on {{Due Date}} because of {{Reason}}. 📌 Please pay Rs. {{Total Due}} today at {{Link}} to avoid late charges Update your autopay account at {{Autopay Link}}. {{Bank}}
10:24Banks send these as a second channel. Each fits one SMS, with the masked card number and the due date up front.
{{Bank}}: Card XX{{Last 4 digits}} statement: Total due Rs. {{Total Due}}, Min due Rs. {{Minimum Due}}, due by {{Due Date}}. Pay: {{Link}}
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Reminder: {{Bank}} card XX{{Last 4 digits}} bill of Rs. {{Total Due}} is due on {{Due Date}}. Pay in full to avoid interest. Ignore if paid.
140/160 characters
{{Bank}}: Rs. {{Amount}} received for card XX{{Last 4 digits}} on {{Date}}. Available limit Rs. {{Available Limit}}. Thank you.
127/160 characters
{{Bank}}: Card XX{{Last 4 digits}} payment overdue. Pay Rs. {{Overdue Amount}} at {{Link}}. Late fee Rs. {{Late Fee}} applies. Help: {{Helpline}}
145/160 characters
{{Bank}}: Autopay failed for card XX{{Last 4 digits}}. Pay Rs. {{Total Due}} at {{Link}} today and update autopay. Help: {{Helpline}}
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A cardholder should know what to pay, by when, and what happens if they pay less, before they open the app.
Mask the card to its last four digits and never ask for the CVV, OTP or PIN. Under RBI rules a late fee applies only after 3 days past due.
Tell borrowers their loan is sanctioned, with the amount, tenure, rate and next step.
Remind borrowers of the EMI amount, due date and how to pay, before and after it falls due.
Tell borrowers their EMI debit failed, the bounce charge, the retry date and how to pay.
Offer personal loans with the amount, rate and one clear next step, plus an opt-out.
Confirm a payment with the amount, date, mode and reference, plus the receipt.
Confirm a cash, cheque, UPI or salary credit with the amount, account and balance.
Remind customers what they owe and by when, from a friendly nudge to a final notice.
It is a note from a bank or card issuer about a card bill: that the statement is ready, that a payment is due, that a payment was received, or that it is overdue. It shows the masked card number, the total due, the minimum due and the due date, with a way to pay.
Send the statement message on the day it is generated, a reminder about 5 days before the due date, and a short one on the due date itself. If the payment is missed, send a factual overdue message with the late fee, keeping in mind RBI's three-day window before the fee applies.
Your card stays in good standing and no late fee applies, but you lose the interest-free period. Interest is charged on the unpaid balance, often at 3% to 4% a month, and usually on new purchases too until the full balance is cleared. Paying the total due is always cheaper.
Under RBI's credit card rules, a card issuer can charge a late payment fee only when the payment has stayed unpaid for more than three days after the due date. The fee is usually a slab based on the amount due, plus GST, and is listed in the card's key fact statement.
A genuine message shows only the last four digits of your card, comes from your bank's official sender name, and links only to the bank's own website or app. It never asks for your CVV, OTP, PIN or full card number. When unsure, open your bank app directly instead of tapping the link.
Yes. Most UPI apps let you pay any bank's credit card bill through Bharat BillPay, and many banks accept UPI on their own payment page. Payments usually post within hours, but near the due date pay a day early and keep the reference number until it shows on your card account.
Say which card it was for, the date the autopay failed, the reason if you know it, and the exact amount to pay now. Give an official payment link and a link to update the autopay account. A clear failure message turns a missed payment into a same-day fix.
Yes. Keep cardholders in a Google Sheet with their due amounts and dates, paste a template into SheetWA, and send one personalised reminder per row, with the statement PDF attached. For bank-scale volumes, use the SheetWA WhatsApp API with approved utility templates.