IDFC Credit Card Bill Payment | How to Pay & Updated Guide

Key Takeaways
 

• IDFC FIRST Bank offers multiple online payment methods like UPI, NEFT, and net banking for bill payments.
   
• Always pay your credit card bills before the due date to avoid late fees and credit score damage.
   
• Keep your payment details and UPI ID ready for quick and hassle-free transactions anytime.

Credit card bill payments on time are very important today. Late payments can affect your credit score and finances badly.

Meet Vihan, a young professional from Mumbai who works hard. He once missed his credit card payment deadline by accident. This mistake cost him late fees and affected his score. Vihan then learned about easy online payment methods available. He now pays his bills on time every month.

This blog explains all the simple methods for IDFC credit card bill payment. You will learn about net banking, UPI, NEFT and other options. 

IDFC Credit Card Bill Payment - Online Methods

IDFC FIRST Bank offers multiple online methods for bill payment. You can choose any convenient option to pay bills.

• Net Banking: Pay through your bank's net banking portal easily.
• IDFC FIRST Bank App: Use the mobile app for quick payments.
• IDFC FIRST Bank Mobile Banking (Old): Access through the old mobile banking app.
• UPI Payments: Make instant payments using any UPI app.
• IMPS/NEFT Payments: Transfer funds using IMPS or NEFT method.
• Website Payment: Pay directly through the IDFC payment website.

These online methods make IDFC credit card bill payment simple.

IDFC Credit Card Bill Payment through Website

You can make IDFC credit card bill payment through website. This method is quick and simple to use.

• Visit the IDFC FIRST Bank payment website.
• Enter your IDFC FIRST Bank credit card number.
• Re-enter your credit card number to confirm.
• Provide your email address in the field.
• Enter your mobile number with country code.
• Add the payment amount you want to pay.
• Click on the 'Pay Now' button below.
• Your payment will be credited instantly to the account.
• Wait up to 48 hours if issues occur.

This website method makes IDFC credit card bill payment convenient.

IDFC Credit Card Bill Payment through Mobile App

IDFC Credit Card Bill Payment through Mobile App with easy Steps:

• Download the IDFC mobile app from your phone store today.
• Open the app and log in with your credentials easily.
• Your credit card bill amount appears right on your screen.
• Tap “Pay Bill” to start your quick payment process.
• Choose your favourite payment method from all available options.
• Enter the exact amount you want to pay now.
• An OTP arrives instantly on your registered mobile number.
• Type the OTP code to verify your payment request.
• Watch your payment process complete in just seconds flat.
• Celebrate! Your payment confirmation appears on your screen instantly.
• Check your email inbox for the official payment receipt.
• Your updated balance refreshes automatically on the app.
• Pay your bills whenever you want, day or night.
• Never worry about late fees ruining your credit score.
• Manage everything from your couch with just your phone.

IDFC Credit Card Bill Payment becomes super simple and stress-free.

IDFC Credit Card Bill Payment through Net Banking

You can make IDFC credit card bill payment through net banking. Use your mobile phone, laptop or personal computer for this.

• Log into your savings account first.
• Choose and click the 'Credit cards' section available.
• Register your card and select it for payment.
• Choose the option 'Pay your credit card bill'.
• Fill in the amount you want to pay.
• Click on 'Confirm' to complete IDFC credit card bill payment.

Net banking makes your bill payment quick and hassle-free.

IDFC Bank Credit Card Bill Payment through UPI

UPI has made payments easy and quick. You can now pay your IDFC credit card bill payment using UPI. This method is simple and convenient.

What You Need

You need a valid UPI ID first. Your bank account must be linked with this UPI ID. You also need sufficient funds in your account. A smartphone and internet connection are essential too.

Payment Through UPI App

Open your UPI app on your phone. Choose the credit card bill payment option. Enter your card details carefully. Add the payment amount you want to pay. Complete the transaction by confirming the payment.

Payment Through Credit Card Account

Log in to your IDFC credit card account. Select the bill payment option from the menu. Choose the UPI payment mode next. Enter your UPI ID or select your UPI app. Complete your IDFC credit card bill payment easily.

Things to Remember

You will need your UPI PIN to finish payment. Choose an account with a valid UPI ID. Ensure you have enough balance before paying.

IDFC Bank Credit Card Bill Payment through NEFT

You can make IDFC credit card bill payment using NEFT. NEFT stands for National Electronic Funds Transfer. This method transfers funds from your bank account.

• Log into your net banking account first.
• Click on the 'Funds transfer' tab available.
• Choose the 'NEFT' option from the menu.
• Add the beneficiary by selecting the 'Add beneficiary' option.
• Fill in your name as on the card.
• Enter your credit card number carefully.
• Add the bank name and IFSC code.
• Confirm all details and proceed to pay.
• Enter the payment amount you want to pay.
• Select your bank account number for payment.
• You will receive an OTP on your mobile.
• Verify the OTP to complete IDFC credit card bill payment.

NEFT makes your credit card bill payment secure and easy. If your bill amount is beyond ₹2,00,000 then you need to complete your payment through RTGS. The steps to carry out RTGS (Real Time Gross Settlement) are the same as NEFT.

Tips for Hassle-Free IDFC Bank Credit Card Bill Payment

Follow these simple tips to make your bill payments smooth. These practices will help you avoid any payment issues.

• Always pay your IDFC credit card bill payment before due date.
• Set up payment reminders on your phone or calendar.
• Keep your UPI ID and net banking details ready.
• Check your outstanding balance regularly through the mobile app.
• Save beneficiary details for faster payments next time.
• Ensure you have sufficient funds in your bank account.
• Keep your mobile number updated for payment notifications.
• Verify payment confirmation after completing the transaction successfully.

These tips ensure timely and hassle-free credit card payments.

Conclusion

IDFC FIRST Bank makes credit card bill payments very simple. You can choose from multiple convenient online payment methods available. Net banking, UPI, mobile app and website payments work perfectly. NEFT transfers are also quick and secure for payments. Always pay your bills before the due date arrives. Keep your payment details ready for faster transactions always. Set reminders to never miss a payment deadline again. Follow our tips for a smooth and hassle-free experience.

Bonus Tip: Set up auto-debit instructions through IDFC FIRST Bank net banking to never miss a payment deadline again.

FAQs

Q1: Can I pay my IDFC credit card bill internationally? 

Yes, you can pay through net banking from anywhere worldwide.

Q2: Is there a charge for UPI credit card payments? 

No, UPI payments for credit cards are completely free.

Q3: How long does NEFT payment take to reflect? 

NEFT payments usually reflect within two to three hours.

Q4: Can I schedule automatic payments for my bill? 

Yes, you can set up auto-debit through net banking easily.

Q5: If you’re charged late payment fees on your IDFC First credit card, can they be reversed?

Yes, several users report that if you explain the situation and raise a service request (especially with a good payment history), IDFC sometimes waives/reverses the late fee charges as a one-time goodwill exception.

Q6: Which app can I use to check my balance for an IDFC First Bank credit/debit card?

Use the IDFC FIRST Bank MobileBanking app to log in with your registered number and view your credit-card balance or linked bank account details easily.
 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.