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Overview

Your credit card bill payment online is just as easy as swiping the card for your shopping needs. We at IDFC FIRST Bank offer multiple ways in which you can make your credit card bill payment in a hassle-free manner.

Click here to explore our various online credit card payment options and select the one that is convenient for you.

Note:

Any credit card bill payment made via other platforms, including any 3rd party apps not affiliated with IDFC FIRST Bank may have a higher turnaround time for the payment clearance. Hence it is recommended that any credit card bill payments through third party platforms (wallets, apps, payment gateways etc.), are initiated at least 3 days before the due date. For any queries arising on account of delays in realization of bill payments made via non-affiliated platforms, customers may reach out to the respective platforms directly.

Modes of Payment

To make an online credit card bill payment now click here. You can also use the following payment options:

Pay Through:

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To Setup Auto Debit through your IDFC FIRST Bank mobile app follow the following steps -

  • Step 1 - Select Credit Card in your app/ log in on IDFC FIRST Bank Account
  • Step 2 - Select Auto-pay credit card bills & change the option to ON to use Auto-Pay feature.
  • Turnaround Time - Payment gets credited on the payment due date
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To pay your bills through mobile app –

  • Step 1 - Select Credit Card in your app
  • Step 2 - Click on the Pay bill & select the amount you wish to pay.
  • Turnaround Time - Instant
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  • Step 1 - Visit your nearest IDFC FIRST Bank branch.
  • Step 2 - Fill the pay-in slip, available at the information desk with required details and submit it along with the payment to the teller.
  • Step 3 - Collect the acknowledgement receipt of your credit card bill payment from the teller.
  • Turnaround Time- Payment will reflect on the same working day in your IDFC FIRST Bank credit card account.
  • Find your nearest branch here
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  • Step 1: Please fill in the correct IDFC FIRST Bank Credit Card number on your cheque.
  • Step 2: Do not forget to mention your name and phone number on the back side of the cheque.
  • Step 3: Mention the payee name as ‘IDFC FIRST Bank Card No. XXXX XXXX XXXX XXXX’ (16-digits of your credit card number)
  • Step 4: Please check that the payment amount, date and signature is clearly mentioned on the cheque.
  • Turnaround Time – For IDFC FIRST Bank Cheque, 1 working day

Payment made via other bank cheque will reflect within 3 - 5 working days in your IDFC FIRST Bank Credit Card account & credit limit will be released post clearance of cheque

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For instant credit card bill payment through UPI, follow the following steps -

  • Step 1 - Open a UPI-enabled banking app/BHIM app
  • Step 2 - Go to UPI section
  • Step 3 - Send Money
  • Step 4- Enter ‘your 16-digit card number .cc@idfcbank’ as UPI ID
  • Step 5 - Verify name and enter bill amount
  • Step 6 - Complete transaction using UPI PIN
  • Turnaround Time - Instant
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All you need to do is:

  • Step 1 - Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
  • Step 2 - Select Auto-pay credit card bills & change the option to ON to use Auto-Pay feature.
  • Step 2 - Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:

    • Payee Name: Name as on your IDFC FIRST Bank Credit Card

    Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number

    Bank Name: IDFC FIRST Bank

    IFSC Code: IDFB0010225

    Turnaround Time - IMPS: Instant, RTGS/NEFT: 1 working Day

Click Here
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To pay credit card bill online through other banks, follow these simple steps,

  • Step 1 - Open the IDFC Bank Website or click here (IDFC FIRST Bank (billdesk.com))
  • Step 2 - Select the Payments options
  • Step 3 - Select the Credit Card Bill Payments options
  • Step 4 - Select Net Banking or Debit Card Payment option
  • Step 5 - Continue to fill in the required details and Pay your Credit Card Bills.
  • Turnaround Time- Instant
Click Here

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    For instant credit card bill payment through UPI, follow the following steps -

    • Step 1 - Open a UPI-enabled banking app/BHIM app
    • Step 2 - Go to UPI section
    • Step 3 - Send Money
    • Step 4- Enter ‘your 16-digit card number .cc@idfcbank’ as UPI ID
    • Step 5 - Verify name and enter bill amount
    • Step 6 - Complete transaction using UPI PIN
    • Turnaround Time - Instant
    Click Here

  • PayTM
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    All you need to do is:

    • Step 1 - Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
    • Step 2 - Select Auto-pay credit card bills & change the option to ON to use Auto-Pay feature.
    • Step 2 - Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:

      • Payee Name: Name as on your IDFC FIRST Bank Credit Card

      Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number

      Bank Name: IDFC FIRST Bank

      IFSC Code: IDFB0010225

      Turnaround Time - IMPS: Instant, RTGS/NEFT: 1 working Day

    Click Here

  • CRED
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    To pay credit card bill online through other banks, follow these simple steps,

    • Step 1 - Open the IDFC Bank Website or click here (IDFC FIRST Bank (billdesk.com))
    • Step 2 - Select the Payments options
    • Step 3 - Select the Credit Card Bill Payments options
    • Step 4 - Select Net Banking or Debit Card Payment option
    • Step 5 - Continue to fill in the required details and Pay your Credit Card Bills.
    • Turnaround Time- Instant
    Click Here
Close

For instant credit card bill payment through UPI, follow the following steps -

  • Step 1 - Open a UPI-enabled banking app/BHIM app
  • Step 2 - Go to UPI section
  • Step 3 - Send Money
  • Step 4- Enter ‘your 16-digit card number .cc@idfcbank’ as UPI ID
  • Step 5 - Verify name and enter bill amount
  • Step 6 - Complete transaction using UPI PIN
  • Turnaround Time - Instant
Click Here
Close

All you need to do is:

  • Step 1 - Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
  • Step 2 - Select Auto-pay credit card bills & change the option to ON to use Auto-Pay feature.
  • Step 2 - Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:

    • Payee Name: Name as on your IDFC FIRST Bank Credit Card

    Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number

    Bank Name: IDFC FIRST Bank

    IFSC Code: IDFB0010225

    Turnaround Time - IMPS: Instant, RTGS/NEFT: 1 working Day

Click Here
Close

To pay credit card bill online through other banks, follow these simple steps,

  • Step 1 - Open the IDFC Bank Website or click here (IDFC FIRST Bank (billdesk.com))
  • Step 2 - Select the Payments options
  • Step 3 - Select the Credit Card Bill Payments options
  • Step 4 - Select Net Banking or Debit Card Payment option
  • Step 5 - Continue to fill in the required details and Pay your Credit Card Bills.
  • Turnaround Time- Instant
Click Here

Have questions? Here are the answers!

Turnaround time for various Credit Card bill payment in your account
Payment From Payment Method Average time taken for payment credit
IDFC FIRST Bank Account Auto Debit Payment gets credited on the payment due date
Mobile/Net Banking Instant
Cheque/draft For IDFC FIRST Bank cheques - 1 working day,
Cash payment Same day
Other Bank Accounts BHIM/UPI Instant
IMPS 1 working day
Bill Desk Instant
NEFT/RTGS 1 working day
Wallet Based Apps (PayTM, Cred, PhonePe, Gpay etc.) Within 3 working days
Visa Money Transfer Within 3 working days
Cheque/draft 3 to 5 working days based on the realization
What is billing for credit card?

The billing cycle, also called statement cycle, is a period during which the bill is generated. All the transactions, purchases and payments made during the period will reflect in the credit card statement of the month.

What is minimum due in credit card bill?

Credit card minimum amount due is the amount a credit cardholder is required to pay on or before the payment due date. Generally, the minimum amount due is calculated as 5% of the total outstanding amount. Also, if you have converted any payment on your card to EMI, that amount is also added to the minimum amount along with any unpaid balance from the previous billing cycle.

How can I avoid paying interest on my credit card?

The best way to avoid paying any interest on your credit card dues is to pay the complete amount pending within the payment due date. Remember, as long as you pay off your full balance amount before your grace period expires, you can make purchases on your credit card without paying interest.

How do I know my Funds Transfer payment is credited to my IDFC FIRST Bank Card?

You will receive a notification on your registered mobile number and email ID of a successful payment credited to your IDFC FIRST Bank Credit Card.

What is a good credit score?

A credit score is an indicator of a person's credit worthiness, or their ability to repay debt. This is important because a lender, such as a bank or a non-banking finance company, will evaluate the credit score of a borrower to determine whether to lend money or not to the individual.

Credit score, also known as a credit rating, is usually expressed as a number based on the person's repayment history and credit files across different loan types and credit institutions.

Paid Last statement balance yet it shows on dashboard?

Last statement balance changes when the new statement is generated. If you have paid the last statement balance, you can ignore this message.

How can I find my unbilled credit card transactions?

Happy to help!
On the app, choose the credit card you want to view, to view their unbilled credit card transactions

Or follow these steps:

  • On the app home-page, click on 'Credit Card'
  • TAP/Click on the card you want to view details for.
  • Click on 'Credit card transactions' option.
  • Choose the "Unbilled" checkbox from status filters and click on "Show results"
  • All the unbilled transactions will be displayed.
What are the various ways to make online credit card payment of IDFC FIRST bank?
Option 1:
1. Arrive at credit card section by swiping left on the dashboard carousal
2. Click on 'Pay bill'

Option 2:
1. Arrive at credit card section by clicking on Accounts > Cards (select credit card)
2. Click on Pay credit card bill

Option 3:
1. Click on 'Pay'
2. Under PayBills click on 'See all'
3. This will show you the biller categories
4. Select 'credit card' category
5. Click on 'Pay or add new biller'
6. Type biller name in search box 'IDFC FIRST bank....'
7. Enter the IDFC Credit card number & Continue
You can also use this method to pay OTHER BANK credit card outstanding.

Option 4: Third party apps
1. You can alternatively use CRED to pay your IDFC FIRST BANK Credit card bills Option 5: Via any UPI Application (Gpay, PhonePe, etc)
1. Use the option to pay via UPI ID
2. Enter UPI ID in the format < your 16-digit credit card number> .cc@idfcbank
3. Tap on pay/submit with the required amount you want to pay.
Note: Process Flow might be different for different UPI Application. Ensure correct entry of UPI ID as per given format.
Foreclose a credit card transaction converted to EMI?
  • 1. Select your Credit Card, below you will see Credit Card EMIs section.
  • 2. In this section you will see Converted transactions and option to manage your transactions converted to EMI.
  • 3. Click the respective EMI transaction to view details & options.
  • 4. You can foreclose your EMI there.
Understanding Terminology - Outstanding and Balances?
  • Total outstanding - Last statement balance Plus any additional expenses taken on the card
  • Last statement balance - Total amount the cardholder owes after the last statement generated
  • Minimum amount due - A fraction of last statement balance which cardholder can pay to avoid late fees
What happens if I don’t pay my credit card bill on time?

If you do not pay your total credit card bill by the due date, you will be charged finance charges on the outstanding balance. The interest charges vary between 9% and 42% every year. In addition, failure to pay the total bill may result in the suspension of the interest-free period on new credit card transactions. Also, all new credit card purchases would incur interest until the bill is fully settled.

What is a credit card balance transfer?

A credit card balance transfer is the transfer of one credit card’s outstanding amount to another. The balance transfer is done primarily to take advantage of low-interest rates and avoid any existing debts on credit cards.

What are the processing or service charges levied on NEFT/IMPS/RTGS transactions?

The charges applicable on NEFT/IMPS/RTGS transactions are based on the rules and regulations of your bank. There are no uniform charges that are applied for NEFT/IMPS/RTGS transactions.

Turnaround time for payment through third party platforms

The charges applicable on NEFT/IMPS/RTGS transactions are based on the rules and regulations of your bank. There are no uniform charges that are applied for NEFT/IMPS/RTGS transactions.

More FAQs