India is the 3rd largest consumer market and expects to grow up to USD 6 trillion by the financial year 2030. With this increase in consumerism, individuals tend to make use of credit cards for their purchases. Unlike debit cards, a credit card provides users with high reward points and lucrative offers.

CVV Number

However, cardholders lose track of their expenses and end up spending more than what they can afford. Thus, they face high interest and penalty charges.

To avoid interest and hefty penalties, it is required that you pay your bills within the grace period. You can make online payments by sharing minimal card details like your name, card number, expiry date and CVV. It is mandatory for individuals to know what is CVV to ensure appropriate usage of the card.

Where to find CVV?

A CVV is located at the back of the card (both debit and credit card). It is usually located on the right side of the card and is a 3-digit code.

What is CVV?  

A CVV or Card Verification Value is a three-digit number used as a security code for your card. This feature ensures that the actual cardholder is using the card.  

Where is CVV required?

You are required to enter your CVV while you make an online purchase or transactions using your card. For such transactions, apart from the CVV, you are also required to provide your card number, name and expiry date of the card. 

You can also make bill payments of your credit card on multiple online platforms using this CVV. The various ways you can make payments using the CVV are:


Paytm is one of the convenient options to pay your credit card bills securely. Follow the steps mentioned below to pay your due through this platform.

  • Access your Paytm account and provide your credit card number. 
  • Select the financial instruction of your card. 
  • After proceeding, you have to select the account from which you want to make the payment.
  • After you enter the mentioned details, you will receive an OTP on your mobile number.

Online account

Visit the online website of your card issuer and proceed to the payment page. On the payment page provide the credentials of your card with which you want to pay such as CVV, card number, etc. After the details are entered, you will receive an OTP. Enter the OTP to make the payment. 

If you don’t know how to check credit card balance, then your online account is one of the ideal sources.

Several financial institutions and NBFCs provide online access for credit cards, Bajaj Finserv being one of them. Their Bajaj Finserv RBL Bank SuperCard is one such card using which you can enjoy interest-free emergency loans, online account access, instant approval and ATM withdrawal facilities. 

They also provide pre-approved offers which make the application process fast and hassle-free. These pre-approved offers are available on credit cards and other financial products, like home loans, business loans, personal loans, etc. To check your pre-approved offer, share minimal details like your name and phone number with your lender. 

Apart from paying bills, you can also purchase products and services online using your debit or credit card. To purchase, visit the official website of your seller. Choose the ‘pay with debit or credit card’ option to make your payment. Share your card details and click on the ‘pay now’ button to complete the process. 

Now that you have a brief idea on what is CVV, refrain from sharing your CVV to prevent cyber hacks and frauds. Also, make sure that you are using your card on trusted sites to prevent your card details from being leaked. 

Additionally, if you know how to check credit card balance, then use mobile apps, statement, SMS alerts, etc. to do so. You can receive the statements either via emails or by requesting your card issuer to send the hardcopy at your residential address. Make sure you know how to read your credit card statement correctly to clear your dues in time and improve your credit score.

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