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 38 1 2 3 4 5
  • IndusInd Bank Credit Card
    "Total festival card"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    In Indusind bank customer care, they never interact with the customer because many times i cannot easily with the customer and they are not solving the problem very quickly. Their online account setting is not up to the mark because they are providing the default user id which we cannot set. Offers are really good and they are providing EMI option with the best rate of interest. They need to improve SMS intimation to the customer regarding the bill payment and offer.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 21, 2020
  • IndusInd Bank
    IndusInd Bank Credit Card
    "Improve software service "
    INDUSIND BANK LTD
    0.5 2.0/5 "Expected more"
    I have applied INDUSIND bank credit card through online. My concern was my name is mentioned wrongly on my card and I had informed with customer service but they are not answering properly. And one more thing payment option is not available but all other banks gives that option. This is a life time free card and the credit limit is fine Rs. 1.20L. The documentation process was very easy I uploaded through whatsapp within a week I received.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2020
  • IndusInd Bank Credit Card
    "Service is Good"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have chosen Indusind credit card since got the offers,The credit limit was very less but i was expecting more limit. I have used this credit card to pay school fees for my kids.I have not used this credit card much.The service was really good according to my experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2020
  • IndusInd Bank Credit Card
    "Need to improve in application "
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    Application which i am using in INDUSIND Bank was good. Normally if we make the payment it is reflecting in 2 days, this is happening in all banks and it should be immediate like within 1-2 hours. Documentation process was fine, uploaded through online portal and customer service was good. This is a life time free card.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 18, 2020
  • IndusInd Bank Credit Card
    "Better Card"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    Indusind bank is a very good bank thats the reason i chosen this credit card. I'm getting lots of benefits on purchasing the consumer durable and household goods. They are giving cashbacks and discounts as well. They have given Rs. 50000 as a credit limit. I need to pay the annual fee of Rs. 1000. In the month of November, i got the card but i have not received any joining benefits.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 18, 2020
  • IndusInd Bank Credit Card
    "Average Service"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have Indusind bank credit card which was availed through online .App is very complicated and while making credit card bill payment it is very difficult .The credit limit was ok it was 50,000.This was a free card and there is no special offers got so far .customer service is not up to the mark if contact them not getting good response .
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2020
  • IndusInd Bank Credit Card
    "Very Good Service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have Indusind Bank credit card which was taken through Online .I haven chosen this credit card since had the offer and also i thought this credit card is best .The credit limit was 50,000.There are movie ticket offers which is very good actually.I have not checked cash back offers as well as reward points .I am using this credit card for the past 2 months only.This was a free card and there is no grace time for credit card bill payment.
    Was this review helpful? 1
    , new delhi
    Reviewed on Jan 17, 2020
  • IndusInd Bank Credit Card
    "Average service"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    I applied for Indusind credit card through online and received the card within 7 to 10 days. Bank offered with the credit limit of 75K, which is not sufficient, I expected more. It is a life time free credit card. EMI conversion and balance transfer is available at rate of interest 17.5% which is high. Mobile application is not faster and it takes 4 to 5 days to get update for the payment. I need to update credentials every time for the payment, which i didn't find easy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2020
  • IndusInd Bank Credit Card
    "Good service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    From INDUSIND, they have provided me a credit limit of Rs. 1,28,000 very happy with the limit. I get some bonus reward points and this is annual fee card but not sure about the wavier. Every time i make the online bill payment and also i am getting ack mail and sms. Executive collected the documents and i received the card within 12 days. Customer service was good.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2020
  • IndusInd Bank Credit Card
    "Good Card"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    This card is totally free for a life time and they don't charge me any kind of hidden charges. I have received a call from Indusind bank people and they have convinced me to take the credit card. Till now I'm using the card for shopping and i make the payment after 45 days. When i download the mobile app, I'm unable to login.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 17, 2020
  • IndusInd Bank Credit Card
    "Need to ehance the credit limit "
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have applied a credit card with INDUSIND bank through online. It is a life time free card. I received a card within 10 days. The credit limit is 75K but I was expecting higher limit. I use the card for fuel, shopping and online bill payment. I got reward points but not yet redeemed. EMI conversion is not available in this card.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 16, 2020
  • IndusInd Bank Credit Card
    "Good service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have applied a credit card with INDUSIND bank on 4 months before through online. Their service is good. I received the card by 2-3 weeks. Since I have no account with them so to complete KYC process was complicate for me. To get a card took around 10 days. It is a life time free card. The credit limit of 1L. EMI conversion is avail. I use for general purpose like bill payment and shopping. Based on the usage I get 1500 reward points but unable to redeem.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 16, 2020
  • IndusInd Bank Credit Card
    "Need to improve their service"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    I have used only couple of transactions by using INDUSIND credit card. Every month I use to pay bill payment on time.But still they make some fee and they are saying late payment is avail on next month bill. It is a life time free card. The credit limit of 80K but I was expecting more than that. There is some miscommunication from their end.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 16, 2020
  • IndusInd Bank Credit Card
    "Need to be process at earlier"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    INDUSIND bank has offered a life time free card. Hence I have applied through online on three months before. I received the call next day for verification purpose and got a card by 15 days. I would suggest to process on time. Since I am holding an account with them so chosen this card. The credit limit of 98K. EMI conversion is applicable. I use this card for shopping, other card payment and fuel purposes.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 16, 2020
  • IndusInd Bank Credit Card
    "Better Card"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    There is no yearly service charges and rental so that i have chosen Indusind bank credit card. They have provided me a limit of Rs. 50000. They are providing rewards points and fuel sur charges waiver on petrol filling. To make the payment through app was little difficult because i could not check the minimum bill amount and due date hence i am making the payment through net banking.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 16, 2020
  • IndusInd Bank Credit Card
    "Good card for low interest rate "
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have taken a credit card with INDUSIND bank through online. There is no much branches in my city. Their service was okay when I have visited their branch and it could be improved. It is a life time free card. Only the advantage to use the card is interest rate is low when compared to other bank. I use this card for shopping and dinning purpose.EMI conversion is avail. I had done first month bill payment on time.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 14, 2020
  • IndusInd Bank Credit Card
    "Need to provide EMI conversion"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have applied a credit card with INDUSIND bank on 3 months back. The process was done on smooth and received a card by 20 days. I get good offers in this card. But it is complicate to convert an EMI. The credit limit is okay of 75K. It is annual fee chargeable of 500 rupees. If I have done any payment or online purchase by using this card, the amount will not be reflect in app and take 3 days to get update on it.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2020
  • IndusInd Bank Credit Card
    "Excellent Service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I have Indusind Bank credit card which was applied for the first time .The credit limit was pretty good and this was a chargeable card .This card was got on proper time frame only,I have submitted the documents through the agent.There was no cash on hand on any situations can use this credit card and pay later.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 14, 2020
  • IndusInd Bank Credit Card
    "Average Service"
    INDUSIND BANK LTD
    0.5 3.0/5 "Satisfactory"
    I have Indusind Bank credit card which was taken through Online.I have not faced any drawbacks .I have called customer service regarding credit card bill payment but they are not listening and telling to callback later.I have not checked cash back offers as well as reward points.I am using this credit card for the past 2 months only.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 14, 2020
  • IndusInd Bank Credit Card
    "Good service"
    INDUSIND BANK LTD
    0.5 5.0/5 "Blown Away!"
    I applied for Indusind credit card through online. The process was wonderful. Mobile application is very slow to get the payment update it taken more than 3 to 4 days for the payment to get updated. I have a credit limit of Rs.30,000 which is sufficient.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 13, 2020
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