How to change credit card payment due date?

According to the latest Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) - Amendment Directions, 2026, credit card issuers are directed to allow changes in the credit card payment due date as per the customer's convenience. “In order to provide flexibility in this regard, cardholders shall be provided an option to modify the billing cycle of the credit card at least once, as per cardholders’ convenience," said the RBI's Directions concerning credit card.

The RBI Directions explain that "The cardholder shall be provided the option to choose any date as the starting or closing day of the billing cycle at least once."

Further, card issuers may provide the option to modify the billing cycle through multiple channels such as helpline, dedicated e-mail ID, Interactive Voice Response (IVR), internet banking, mobile application, and any other mode, it added.

Card issuers in India do not follow a standard billing cycle for all credit cards issued.

First of all, you need to visit the official website or log into the mobile app of the concerned issuer.

Then, as a second step, you in the billing or payments section may across the option to change the credit card payment due date. On some of the sites, you may find the facility under the Services tab.

You can then make the request and changes, and these will be acknowledged by your banker shortly.

Note that the process may vary from banker to banker, and if you are unable to place the request via the online route, you may always contact the customer care service for better redressal and service.

In the new Directions on credit card and debit card, the RBI said that credit card issuers will report a credit card account as 'past due' to credit information companies (CICs) or levy penal charges, viz., late payment charges and other related charges, if any, only when a credit card account remains 'past due' for more than three days.

“The number of 'days past due' and late payment charges shall, however, be computed from the payment due date mentioned in the credit card statement, as specified under the Reserve Bank of India (Commercial Banks - Asset Classification, Provisioning and Income Recognition) Directions, 2026, amended from time to time. Late payment charges and other related charges shall be levied only on the outstanding amount after the due date, and not on the total amount due,” added the new Directions. The new norm shall come into force from April 01, 2027.