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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 24 1 2 3 4 5
  • IndusInd Bank Credit Card
    "Good card"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    Indusind Bank services are good and have taken a credit card through online channel. Their executive came to my place to collect the documents. They have explained me about due date and billing cycle for payment. The credit limit is better.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 17, 2019
  • IndusInd Bank
    IndusInd Bank Credit Card
    "Need development in customer service "
    INDUSIND BANK LTD
    0.5 2.0/5 "Expected more"
    I have selected indusind bank plantium aura edge credit card customer care not good. While document submitted through on line , its is life time credit card . There is notification email and message. From customer no minimum information is not given I receive bill payment through postal.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 17, 2019
  • IndusInd Bank Credit Card
    "Good"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have taken a Indusind credit card because its life time free. They have explained me about the procedure and am using the card. The process was simple and card was delivered on time. The credit limit is fine. The documents are submitted online. I have received the first bill and yet to make the payment.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 17, 2019
  • IndusInd Bank Credit Card
    "Good"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I had an offer for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD. I applied the credit card and received it on time. Credit limit is nominal. It is a lifetime free card. I am not getting any cashback offer or reward points yet. Everything seems alright however I am not able to pay through mobile application. It is very slow.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 17, 2019
  • IndusInd Bank Credit Card
    "Average"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    I have received my Indusind Bank PLATINUM AURA EDGE MASTER CARD. I am not able to pay my credit card bill through netbanking. The process seems very difficult to me.It is a lifetime free card and credit limit is nominal. They deliver the card on time.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • IndusInd Bank Credit Card
    "Emi option should be enabled"
    INDUSIND BANK LTD
    0.5 1.0/5 "Really Bad"
    I am unable to convert my INdusind bank credit card billsinto emi its not beneficial to use the card. I called their support team, they simply said I don't have offers hence its not good to hold this card. Anyway I am going to pay the amount after converting emi but they are not friendly in service.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 16, 2019
  • IndusInd Bank Credit Card
    "Average"
    INDUSIND BANK LTD
    0.5 2.0/5 "Expected more"
    I applied a credit card from Indusind bank. I am using their application for bill payment. Application is very difficult. I complained several times but replied after a month. Indusind bank has given me very low credit limit. It is only 1.2 lakh.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • IndusInd Bank Credit Card
    "Good card to use"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    To do the shopping, i purchased the indusind bank credit card. I did not get any offers till now. They have given me a credit limit of Rs. 75000 which I'm not happy about it. I did not receive any offer mails and messages so far. I need to pay the annual fee of Rs. 999 and it will get waived off if i use a limit of Rs. 75000.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 15, 2019
  • IndusInd Bank Credit Card
    "Good to have Indusind card"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I got an offer from Indusind bank hence I availed that card. Now I started using the card it has lots of reward points and other benefits based on the spends. I am satisfied with the credit limit as well and the I am payment gate way is convenient.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 15, 2019
  • IndusInd Bank Credit Card
    "Good"
    INDUSIND BANK LTD
    0.5 4.5/5 "Excellent!"
    I have applied for the Indusind Bank credit card there service is good and provided me with the credit limit of 2 lakh 60 thousand which was more sufficient to me and also it was a life time free card. I use to make credit card payment through net banking which was easy to me once the payment was done amount use to credit immediately.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 14, 2019
  • IndusInd Bank Credit Card
    "Better card"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I got the limit of Rs. 75000 from my indusind bank credit card and there is no annual fee. Within 15 days, the card has delivered the card to my home address. I have received the bill which is clear to understand and made the bill payment through online. The card has a EMI conversion facility.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jul 13, 2019
  • IndusInd Bank Credit Card
    "Good card based on the usage"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I started using my Indusind bank card, I received the statement as well. I am happy with the billing cycle, the due date falls on the comfortable date. The payment gateway is user friendly I would say because its reflecting on the same day, I was told about this card has more features it has life time free benefits as well hence I availed it, Its good for me to order foods and watch movie with this card.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • IndusInd Bank Credit Card
    "Need improvement on the mobile application"
    INDUSIND BANK LTD
    0.5 2.0/5 "Expected more"
    I have an issue with Indusind mobile app, after downloading that also I am getting an error message hence unable to process, they need to update their server. Hence I went to the bank and made the payment even I couldn't convert all the amount into emi. It has one year free subscription hence I availed this card.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • IndusInd Bank Credit Card
    "Good Service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I am using Induisnd Bank credit card which was direclty taken through Online .I have not faced any difficulties so far on using this credit ,I have received on time ,The credit limit was really good ,cash back offers and reward points details not received ,The agent gave all informaton about the card process and this is a life time free card it is easy to use ,unable to make card payment since that facility is not available .
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • IndusInd Bank Credit Card
    "Average"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I had applied an INDUSIND BANK PLATINUM AURA EDGE MASTER CARD from Bankbazaar. Credit limit of the card is nominal. It is lifetime free card. I am getting any cashback or reward point. I am using this card for online shopping and to pay utility bill.
    Was this review helpful? 1
    , chennai
    Reviewed on Jul 12, 2019
  • IndusInd Bank Credit Card
    "Just okay card"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    The service is very much delayed on Indusind bank and the system is getting too much delay in updating the system. While doing the transaction, its not showing the available balance due to this issue, I'm going to pay for the over-limit fee. They given me a annual fee free of cost card thats the reason i opt for this card.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 12, 2019
  • IndusInd Bank Credit Card
    "Need to improve the credit limit "
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    Indusind card is new for me actually i got the limit is very less which is only Rs. 40000 and there is a annual fee and if i do a purchase the annual fee will get deducted. In this card, EMI conversion is available without any charges. I'm making the bill payment through online and I'm fine with their Internet banking facility.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 11, 2019
  • IndusInd Bank Credit Card
    "Good card"
    INDUSIND BANK LTD
    0.5 3.5/5 "Pretty good"
    I hold INDUISND BANK credit card . It was a very good experience with this card . The credit limit is also good and the customer services are also good and I received the card on time. I use this card for multipurpose . I use to pay bill on time through net banking it is easy .
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 11, 2019
  • IndusInd Bank Credit Card
    "Excellent"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have been using IndusInd bank credit almost a year. Their online payment system is not satisfactory and mobile application is very slow. It takes 4-5 days to reflect to after the payment is made. When I spoke to customer care they asked me to pay 4 days prior to due to date.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 11, 2019
  • IndusInd Bank Credit Card
    "Card is better"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    EMI conversion facility is not available in this card and i have received the card on time. They have given me a credit limit of Rs. 75000 and iâ??m very much happy about it. There is no annual fee. I got the first month bill and its clear to understand. I will do the bill payment through online.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 11, 2019
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