Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IndusInd Bank Credit Card Bill Payment

    To maintain a stellar credit score and avoid late payment fees, it's important to pay your credit card bill on time. IndusInd Bank has several payment modes to make the process of credit card bill payment easier.

    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 Credit Card Bill Online

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

    • Net Banking
      • Log in towww.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.
      • Confirm the transaction and validate the same with the OTP which will be sent to your registered mobile number.
    • 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 HSBC Bank
      Barclays Bank ICICI Bank
      Canara Bank IDBI Bank
      Catholic Syrian Bank IndusInd Bank
      Corporation Bank Kotak Bank
      Development Credit Bank State Bank of India
      HDFC Bank 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 the IndusInd Bank internet banking facility.
      • 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.
      • Confirm 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

      The Auto Debit facility is convenient feature offered by IndusInd Bank and to use this facility, you can follow these steps:

      • 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.

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

    Payment Processing Time for the Various Methods

    The payment processing time for the various methods of bill payment for IndusInd Bank credit cards are as follows:

    stant credit SWIFT Transfer to 48 hoursE-Payo working days, excluding Saturdays and SundaysNEFTstant creditRTGSstant creditIMPSstant creditECS/AHSedited on payment due dateCard payment from other bank websitesree working days excluding Saturdays and Sundaysbody

    IndusInd Bank Credit Card Statement

    Your IndusInd Bank credit card statement will provide the following information:

    • Minimum amount due
    • Total outstanding amount due
    • Due date for the payment
    • Billing start and end date
    • Interest charges levied, if any
    • Accumulated reward points
    • List of transactions done on your credit card, both debits and credits, along with the merchant's name
    • Transaction amount
    • Transaction date

    The credit card statement is sent every month to your registered email address or postal address, depending on which mode of communication you have opted for.

    It is important to go through the credit card statement in detail and report to the bank if there are any fraudulent transactions or discrepancies in the statement in order to correct or resolve the issue.

    FAQs on IndusInd Bank Credit Card Bill Payment

    1. What happens if I fail to pay my credit card bill on time?

      If you don't pay your credit card before the due date, you will be charged a late payment fee that is a fixed percentage of your outstanding balance.

    2. Can I pay my credit card bill using the same card?

      No, you cannot pay your credit card bill using the same credit card. To pay your credit card bill, the funds will have to be debited from your savings account or current account.

    3. Can I clear my outstanding balances with cash?

      Yes, you can pay your credit card bill with cash by visiting your bank's nearest branch, providing your credit card number, and making the payment to the concerned official.

    4. Can I pay my credit card bill at an ATM with cash?

      No, you cannot pay your credit card bill at an ATM.

    5. If I choose SWIFT transfer to clear my IndusInd Bank credit card dues, how long will it take for the payment to get processed?

      It takes approximately 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.

    6. How often will I get my IndusInd Bank credit card bill statement?

      IndusInd Bank sends the credit card bill statement on a monthly basis.

    7. Can I pay my IndusInd Bank credit card bill through a cheque?

      Yes, you can use a cheque to pay your IndusInd Bank credit card bills.

    8. Can I make a part-payment on my IndusInd Bank credit card bill?

      Yes, you can make a part payment which should be equal to or more than the minimum amount due.

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