Santa Claus comes around just once a year. In the meantime, there are Credit Cards.

IndusInd Bank Credit Card Bill Payment

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To maintain a stellar credit score and avoid late payment fees, it's important you pay your credit card bill on time. That's why, IndusInd Bank has several payment modes to make the process easier. You can clear your credit card bill with IndusInd accounts and other bank accounts as well. Below are the various online and offline methods you can consider:

Indusind Bank Credit Card Bill Payment Online

  • Net banking
  • BillDesk
  • Visa Money Transfer (VMT)
  • NEFT/RTGS/IMPS facility

Indusind Bank Credit Card Bill Payment Offline

  • ATM funds transfer
  • NACH facility
  • Auto Debit facility
  • SWIFT transfer
  • Cheque/draft drop boxes
  • Cash

Ways to pay your card bill online

Below you'll find a step-by-step guide on how to pay your bill online.

Net Banking
  • Log in to www.indusind.com.
  • Enter your user ID and password to sign into IndusNet (internet banking).
  • Select 'Funds Transfer' and add a beneficiary for the bill payment.
  • Enter the beneficiary name and VISA credit card number.
  • Under 'Transfer Funds', select the 'To any VISA card'.
  • Choose the IndusInd account you want to transfer funds from.
  • Choose the card you want to make a payment to.
  • Mention the transaction amount.
  • Confirm the transaction date.
  • Approve the transaction and enter the password or OTP for validation.
BillDesk

You can clear your card bill through a third-party site like BillDesk. Follow the below steps to conduct a transaction:

  • Enter your IndusInd Bank credit card number and the amount that needs to be paid.
  • Select the bank account to debit funds from. Do note that IndusInd Bank only partners with certain banks.
  • You'll be redirected to the payment page of your chosen bank.
  • Enter the Net banking user ID and the password of your bank account.
  • Approve the payment amount.
  • This amount will get debited from your account immediately.
  • The payment to your IndusInd credit card account will reflect within three working days. This doesn't include weekends or bank holidays.
  • You will be redirected to a transaction acknowledgement screen.
  • Over here, you'll find the status of your transaction. If it has failed, you will have to process the payment again.
  • If you cannot view the status, check your bank account to see if the amount has been debited. Only initiate another payment if it hasn't been debited.
Visa Money Transfer (VMT)

With VMT, you can transfer funds from other bank accounts and pay your bill. Listed below are the banks that provide VMT services:

  • Axis Bank
  • Barclays Bank
  • Canara Bank
  • Catholic Syrian Bank
  • Corporation Bank
  • Development Credit Bank
  • HDFC Bank
  • HSBC Bank
  • ICICI Bank
  • IDBI Bank
  • IndusInd Bank
  • Kotak Bank
  • State Bank of India
  • Standard Chartered Bank
NEFT / IMPS / RTGS Facility

To initiate a NEFT/IMPS/RTGS transaction, you will have to add your IndusInd Bank credit card as a beneficiary. Here's how you can do that:

  • Visit the 'Add Beneficiary' page via internet banking.
  • Choose IndusInd Bank from the list.
  • Pick your city/branch and make sure the IFSC code is INDB0000018.
  • Enter your 16-digit IndusInd Bank credit card number.

Once you're done with this process, you can go ahead and start a NEFT/IMPS/RTGS transaction in the following ways:

  • Log in to your bank's internet banking website and go to 'Funds Transfer'.
  • Select your IndusInd Bank credit card to receive funds.
  • Authorise an online funds transfer with your IndusInd Bank card as the beneficiary.

Do note that IMPS is only available for IMPS live member banks. You also have to make your credit card payment 2 days prior to your due date.

Ways To Pay Your Card Bill Offline

There are several ways you can pay your card bill offline as well. Check out how you can do this below:

Atm Funds Transfer
  • Visit the nearest ATM and enter your PIN.
  • Pick the 'VISA credit card bill payment' option.
  • Choose the IndusInd Bank account you want to transfer funds from.
  • Enter your credit card number as the beneficiary.
  • Approve the transaction.
NACH facility

NACH, also known as National Automated Clearing House, is a facility that lets you transfer funds electronically from your bank account to your card account. It automatically deducts the amount from your bank account and directs it towards your credit card bill payment. Here's how you opt for the NACH facility:

  • Download the NACH form from the official IndusInd website.
  • Fill the form with your details and mail it to the bank. By sending this form, you're authorising the bank to debit funds from your bank account for your card payment.

To ensure your card bill is paid on time, you need to clear the dues three days before the due date. The savings account you choose should either be your sole or joint account with any signing mandate.

Auto Debit facility

It can be difficult remembering your payment due date. That's why, the Auto Debit facility is a handy and convenient feature offered by IndusInd Bank. To use this facility, here's what you have to do:

  • Download the Auto Debit mandate form from IndusInd Bank's official website.
  • This form is a way of authorising the bank to debit a pre-determined amount for your card bill payment.

Make sure the account you nominate is either your sole or joint account with any signing mandate.

SWIFT transfer

You can send a wire transfer from any local branch abroad to pay the outstanding dues on your credit card. IndusInd Bank is part of the SWIFT Organisation (Society for Worldwide Interbank Financial Telecommunication) and works with more than 250 of the world's top banks.

To initiate a SWIFT transfer, follow the steps below:

  • Visit your local bank branch and inform them to credit your card account with funds from your correspondent bank. You will also have to mention the currency you wish to send it in.
  • Your bank has to enter 'OUR' in the charges field while they're initiating a wire transfer.

This process may take 24 to 48 hours from the time you have sent the request. Do note that your local bank may charge for a wire transfer.

Cheque / Draft Drop Boxes

You also have the option to pay your IndusInd Bank credit card bill with a cheque or a draft. More details below:

  • Make your cheque or draft payable to your IndusInd Bank credit card number.
  • Behind the cheque or draft, mention your name as well as your mobile number.
  • Include the tear away slip with your draft/cheque.
  • Only CTS compliant cheques are accepted.

Once you have done this, you can drop the cheque/draft at any of the IndusInd Bank ATMs. Do not deposit post-dated cheques and make sure you submit them 4 days before the due date.

Cash

You can make your credit card bill payment with cash at any of the IndusInd Bank branches. All you have to do is quote your 16-digit card number and pay a fee of Rs.100. Check out the list of cities that offer card payments at the branch:

  • Aurangabad
  • Kolhapur
  • Bengaluru
  • Kolkata
  • Chennai
  • Mumbai
  • Delhi
  • Noida
  • Ghaziabad
  • Pune
  • Gurgaon
  • Hyderabad
  • Ahmedabad
  • Jaipur

FAQs

  1. What happens if I fail to pay my credit card bill on time?
  2. If you don't pay your credit card before the due date, you will be charged a late payment fee by the bank. Depending on your outstanding balance, IndusInd Bank will levy a fee. For instance, if your outstanding balance is above Rs.10,000, you will be charged Rs.700 as late payment fees.

    Late payments also reflect in your credit report and will negatively impact your CIBIL score as well.

  3. Can I pay my credit card bill using the same card?
  4. No. This is because you don't have money on your credit card. What you get is access to a line of credit, which is money you borrow and then owe the bank. To pay your credit card bill, the funds will have to be debited from your savings account or current account.

  5. Can I clear my outstanding balances with cash?
  6. Yes. You can pay your credit card bill with cash. All you have to do is visit your bank's branch and tell them your credit card number. IndusInd charges Rs.100 as payment fees.

    While some banks are open 365 days from 8:00 am to 8:00 pm, most branches will have different working days and timings. Check if your branch offers these services.

  7. Can I pay my credit card bill at an ATM with cash?
  8. No, you cannot. However, you can pay your card bill at an ATM by debiting the funds from your bank account. You will have to choose your IndusInd Bank account and enter your credit card number as the beneficiary to process the payment. Alternatively, you can make cash payments at your local branch.

  9. If I choose SWIFT transfer to clear my dues, how long will it take for the payment to get processed?
  10. For starters, it takes around 24 to 48 hours for the funds to reach IndusInd Bank's account once you place a wire transfer request. As soon as the funds are in the account, it takes 24 banking hours for your payment to get processed. You should also be aware of the fees you may be charged for a wire transfer.

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Customer Reviews

Page 1 of 41 1 2 3 4 5
  • IndusInd Bank Credit Card
    "Average service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
    Was this review helpful? 42
    , bangalore
    Reviewed on Mar 21, 2020
  • IndusInd Bank
    IndusInd Bank Credit Card
    "Good service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
    Was this review helpful? 45
    , kolkata
    Reviewed on Mar 21, 2020
  • IndusInd Bank Credit Card
    "Ok service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have got INDUSIND credit card recently so i have just started using it only for one month.The agent inform me that its a free card but they asked me to pay 700 rupees I don't know for what reason. It would be appreciable if they provide the details of the card like EMI facility.
    Was this review helpful? 2
    , mumbai
    Reviewed on Mar 20, 2020
  • IndusInd Bank Credit Card
    "Average service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I am using INDUSIND credit card for the last two month, I applied it on line and the bank agent have given me complete information about the card variant and charges.Bank agent came and collected the documents.The limit of the card is 3,00,000 but there is no rewards point on the card.I used this card for bill payment.
    Was this review helpful? 3
    , kolkata
    Reviewed on Mar 20, 2020
  • IndusInd Bank Credit Card
    "excellent card"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    INDUSIND credit card is very nice, hence I have choose this card because I have some requirement on that time so selected this bank, the card was delivered on time. I use this card for multi purposes like tickets booking, online shopping,, bill payment and many more. Its a domestic card,the overall customer service is very good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 19, 2020
  • IndusInd Bank Credit Card
    "Ok banking"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have applied for INDUSIND credit card because i got an offer. There is no issue in using the card but when i do online payment, their app does not work properly moreover it takes longer time to get reflect on their system which needs to be immediate. There is a charges for 1000 which am unhappy. I used this card for online payment and shopping. They offered me a credit limit of 2 lakh but got only 1 lakh.
    Was this review helpful? 0
    , kanpur
    Reviewed on Mar 19, 2020
  • IndusInd Bank Credit Card
    "Good Service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have chosen Indusind bank credit card since got callback. I am using this credit card based on the requirement .The credit limit was very less it was only 1lakh but i have expected more limit and using this card very frequently for the past 3months .This was a chargeable card need to pay Rs.500 on yearly basis .
    Was this review helpful? 0
    , jaipur
    Reviewed on Mar 16, 2020
  • IndusInd Bank Credit Card
    "Good but outside offers are not implemented for this card"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have not used Indusind bank credit card that much and still not done the payment too. Because of the offers and the package what they have given to me was best so i went with this credit card. They have given me a limit of Rs. 50000. I never called their customer care till now.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 16, 2020
  • IndusInd Bank Credit Card
    "Better Card"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I got an offer from Indusind bank for a credit card with the limit of Rs. 1.20 lakhs which have taken it. First they said, I need to pay annual fee of Rs. 1500 later told no annual fee and it was charged for a card protection plan. I'm yet to receive a first month statement. I wish them to send me notification regarding the offers.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 16, 2020
  • IndusInd Bank Credit Card
    "Good Card"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    Other credit cards are not suitable for me so i bought Indusind card for a general usage. They given credit limit of Rs. 75000 is perfect for me. As far as i know there is no annual fee. In bookmyshow, i get free free movie ticket and i get easy EMI option. Bill is clear to understand and its easy to make the payment through online.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 16, 2020
  • IndusInd Bank Credit Card
    "Need to increase the credit limit and improve the app"
    INDUSIND BANK LTD
    0.5 3.5/5 "Pretty good"
    My experience is not good with Indusind Bank because they have given me a very less credit limit and have been expecting almost 1.5L. They have provided me a zero annual fee card. The process took almost 20 days to deliver the card but the documentation part was simple. They need to concentrate on the application because its very slow and also the payment needs to be updated within a day.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 15, 2020
  • IndusInd Bank Credit Card
    "Best service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    INDUSIND Bank has a good customer service and i applied this card through online which i have received very faster. They given a appropriate credit amount, mostly i use the card for shopping and i use to pay bills and i got EMI facility but I don't use it.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 15, 2020
  • IndusInd Bank Credit Card
    "Ok banking"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have applied for Indusind credit card because i got an offer. There is no issue in using the card but when i do online payment, their app does not work properly moreover it takes longer time to get reflect on their system which needs to be immediate and would suggest them to update their app. There is a charges for 1000 which am unhappy. I used this card for online payment and shopping. They offered me a credit limit of 2 lakh but got only 1lakh.
    Was this review helpful? 0
    , kanpur
    Reviewed on Mar 14, 2020
  • IndusInd Bank Credit Card
    "Best service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have chosen Indusind bank card since got call back from bank end hence got the card. I am using for the past 2 to 3 months. I have done my credit card bill payment and everything was smooth and the credit card was delivered on time .The credit limit was very less it was 50,000 and this was a life time free card .There was no difficulties faced by me so far.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 11, 2020
  • IndusInd Bank Credit Card
    "Very Good Service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I am using Indusind bank credit card which is very user friendly .The credit limit was very less it was 50,000 and this was a life time free card .There is a facility of converting EMI but need to pay extra charges of rs.2000.The agent shared all the information about the card process .
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 11, 2020
  • IndusInd Bank Credit Card
    "Need to be process at earlier"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I got a life time free card from INDUSIND. They have delayed to call me and it took around 30days to complete the whole process which needs to be faster and it should be done minimum 2 weeks. The credit limit is very much low than expectation of 80K but given me 50K only. The cash limit is around 10K. Since its paperless card and life time free so chosen this card. I use for bill payment, shopping, movie tickets booking and online bill payment.
    Was this review helpful? 0
    , new delhi
    Reviewed on Mar 10, 2020
  • IndusInd Bank Credit Card
    "Good"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    The credit limit is low from INDUSIND when I apply the card they told I get up to 2L but got low only of 85K. I got a call on time, the process was smooth and received the card below 10 days,, the cash limit of nominal. I use to pay the bill on every month of 23rd. There is no joining fee. Recently I use this card for hospital bill payment for 45K. EMI conversion is applicable.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 08, 2020
  • IndusInd Bank Credit Card
    "Good Card"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I received my Indusind bank credit card at right time. When i applied the card, they said its a life time free card but after that they are saying that some annual fee is there which I need to check anyway i don't want to pay any annual fee thats the reason i applied this card also. They have provided me a Rs. 1 lakh credit limit. I swiped the card only once and am not yet received my first month bill also.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 08, 2020
  • IndusInd Bank Credit Card
    "Very Good Card"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have been using INDUSIND credit card on last 4 years. I'm not getting any extra benefits from this card and i am using it for normal transaction like shopping and online payment. Its hassle free card to use. I got the credit limit of Rs. 50,000. Its a zero annual fee credit card to use. I don't read the promotional messages sent from bank.
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 05, 2020
  • IndusInd Bank Credit Card
    "Online EMI facility should be there"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    For the secondary card purpose, i have chosen the Indusind bank credit card and they have provided me a good limit of Rs. 50000. They have a easy EMI option. I need to pay the annual fee of Rs. 500. I got the cashback and i can redeem the reward points. There is no online option to convert my purchase into EMI the only option that i can contact the customer care service.
    Was this review helpful? 0
    , new delhi
    Reviewed on Mar 03, 2020
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