---
title: "Credit card payment reminder WhatsApp template (utility)"
description: "Remind cardholders of their due date on WhatsApp with a pay-now button. Name, amount and due date variables explained, utility rules and overdue variation."
canonical: "https://omnichannels.ai/templates/bank-card-due/"
language: "en"
updated: "2026-10-10"
publisher: "BroadNet Technologies"
brand: "OmniChannels.ai"
---

# Credit card payment reminder WhatsApp template (utility)

Canonical: https://omnichannels.ai/templates/bank-card-due/
Language: en
Publisher: OmniChannels.ai by BroadNet Technologies

Send it a few days before the payment due date, and again on the day if it is still unpaid. A clear amount, date and pay button help customers avoid late fees and keep your collections on track.

- Channel: WhatsApp
- WhatsApp category: Utility
- Industry: Banking and finance
- Use case: Payment reminder
- Characters: 187 / 1024

```text
Hi {{1}}, a reminder that your credit card payment of {{2}} is due on {{3}}. Paying at least the minimum amount by the due date helps you avoid late fees. You can pay securely in our app.
```
Buttons: Pay now

## Variables explained

| Variable | What it is | Example |
|---|---|---|
| `{{1}}` | Cardholder's first name | Ahmed |
| `{{2}}` | Amount due, with currency | AED 3,420.00 |
| `{{3}}` | Payment due date | 25 October |

## Category and compliance notes

Meta classifies this as a utility template: it is triggered by a specific transaction, account event or booking the customer already has. Keep it free of offers, discounts and promotional links; any promotional line makes Meta recategorise it as marketing.

## Variations

### Shorter version

```text
Hi {{1}}, your credit card payment of {{2}} is due on {{3}}. You can pay securely in our app.
```
Buttons: Pay now

### Statement with minimum due

```text
Hi {{1}}, your credit card statement is ready. Total due: {{2}}. Minimum due: {{3}}. Due date: {{4}}. Pay in the app to avoid late fees.
```
Buttons: Pay now | View statement

### Overdue notice

```text
Hi {{1}}, we have not yet received your credit card payment of {{2}}, which was due on {{3}}. Please pay as soon as possible to limit late fees.
```
Buttons: Pay now | Call us

## How to use this template

1. **Copy the template:** Copy the body, footer and buttons exactly as shown, including the {{1}} variables.
2. **Add sample values:** Meta asks for a sample value for every variable when you submit, so use the examples in the table above.
3. **Submit it for approval:** Create it in WhatsApp Manager or through the API under the category shown, in the language you send in.
4. **Send it:** Once approved, send it from your campaigns or trigger it from your systems over the API.

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[Browse the template library](https://omnichannels.ai/tools/message-templates/)