The answer to whether can you pay apartment deposit with credit card or not is no, it isn’t possible.
The full payment with a credit card can’t be made due to credit limit constraints set by the RBI regulations on large transactions.
Small upfront payments like booking tokens of say Rs. 5 lakhs to Rs. 10 lakhs might be possible through the developer portals or apps in case they accept cards. But banks often flag large amounts and charge convenience fees.
When it comes to apartment rent, there is something you should know. In September 2025, RBI’s guidelines came out that prohibited fintech apps from processing rent payments through credit cards, as landlords aren’t registered merchants with full KYC.
These transactions bypass standard verification protocols a lot of times. However, direct payment through a credit card may still work if the landlords accept cards.
This is all I have to share with you. I hope you will find this useful.
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I agree with Mr. Aakarshit. It’s the first time that I came across a question like ‘Can you pay for an apartment with a credit card?’
I don’t think one can do that. A credit card has limits and I believe no credit card is issued which can pay off the amount required for a new house. That’s way too extreme. However, if you ask me ‘can you pay apartment rent with a credit card?’ Yes, that can be done. There are many people who use a credit card especially to pay the rent as they can get cash backs and reward points. In fact, people pay for maintenance charges, apartment deposits with credit cards.
I believe if you are keen then please contact your bank or credit card company they will be able to help you better with this.
Good luck!!
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Woah!! This is the first time that I have come across this query. Paying for an apartment with a credit card is a huge deal but hey I have some queries because this seems unreal. Anyway, are you asking,
‘Can you pay rent with credit card?’
Yes, absolutely.
‘Can you pay apartment deposit with credit card?’
Yes, even that is possible.
‘Can you pay for an apartment with a credit card?’
Umm...I am not sure.
See when it comes to paying token amount, rent, deposit or maintenance charges through credit card, there are many online modes.
Some of the service providers are:
- NoBroker Pay
- Housing.com
- Cred
- Magicbricks
- Paytm
But my concerns are really high if you are planning to pay for an apartment through a credit card. In my experience, you can’t do that. Since the amount is huge in such transactions, I am skeptical if your bank would allow that and I don’t know how comfortable would be the seller in this case. You can always explore your options, talk to the bank and your seller. See what they have to say on this.
Can you pay for an apartment with a credit card?
Bharath Bhaskar
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3
4 Year
2021-04-12T18:09:48+00:00 2021-06-28T18:13:01+00:00Comment
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