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Card issuers report large card bill payments, including cash payments of ₹1 lakh or more and total payments of ₹10 lakh or more in a year. The department checks whether your known income supports that spending.
ITR
Credit card bill payments flagged by the department
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Provisions
Sec 285BA, Income-tax Act 1961; Rule 114E, Income-tax Rules 1962 (now Rule 237, Income-tax Rules 2026)
Analysis
If you paid business expenses on your personal card and got reimbursed, or your salary covers the spend, say so with a simple statement. Keep reimbursement records and bank statements ready. If the spending came from income not reported, fix the return first. A plain, consistent explanation usually closes the item.
Close
- Total your card payments for the year.
- Match them with salary, savings or reimbursements.
- Respond that the information is correct and the source is covered.
- Keep statements ready in case of follow up.
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