IDFC First Bank Credit Card Payment

Last Updated : April 24, 2025, 2:50 p.m.

IDFC First Bank provides a variety of convenient payment options to help credit card holders settle their bills efficiently. Whether you prefer digital transactions or traditional payment methods, IDFC First Bank offers multiple channels to ensure timely payments. This comprehensive guide outlines all available payment methods, their features, and potential fees to help you choose the option that best suits your needs to make IDFC First Bank credit card payments.

Online Payment Methods

1. IDFC First Bank Credit Card Payment Via Internet Banking

For IDFC First Bank account holders, paying your credit card bill through net banking is fast and simple. Follow the steps given below:

• Log in to IDFC First Bank Internet Banking
• Go to “Credit Card” > then select “Pay credit card bill”
• Enter the payment amount and complete the transaction
• You can also set up auto-debit instructions by enabling the ‘Autopay future bills’ option.

2. IDFC First Bank Credit Card Payment Via Mobile Banking

The IDFC First Bank mobile app allows you to handle your credit card payments on the go. The steps to do so are as follows:

• Log in to the IDFC First mobile app
• Go to “Credit Card” section
• Select “Pay credit card bill”
• Enter the payment amount and confirm
• The app also supports biometric authentication for secure transactions.

3. IDFC First Bank Credit Card Payment via NEFT/IMPS

Pay your bills for IDFC First Bank credit cards using NEFT/IMPS from any bank account with these details

• The Payee name is the name on your IDFC First Bank Credit Card
• The Payee account number is your 16-digit IDFC First Bank Credit Card number
• Bank Name: IDFC First Bank
• IFSC Code: IDFB0010225

4. IDFC First Bank Credit Card Payment via RTGS

For larger payments, RTGS is an effective solution:

• Use the same beneficiary details as NEFT
• Payee Name: Name as it is on your IDFC First Bank Credit Card
• Payee Account Number is your 16-digit IDFC First Bank Credit Card number
• Bank Name: IDFC First Bank
• IFSC Code: IDFB0010225
• RTGS typically has a minimum transaction limit of Rs. 2,00,000

5. IDFC First Bank Credit Card Payment via UPI

Make instant payments using any UPI-enabled app with these simple steps:

• Open your UPI app (Google Pay, PhonePe, BHIM, etc.)
• Go to UPI section > Send Money
• Enter your 16-digit card number followed by “.cc@idfcbank” as the UPI ID
  (Example: 5241XXXXXXXX1234.cc@idfcbank)
• Enter the amount and complete the transaction.

6. IDFC First Bank Credit Card Payment via Bill Desk

For non-IDFC First Bank account holders, Bill Desk provides a secure platform. The steps to pay through this method are as follows:

• Visit the IDFC First Bank website
• Navigate to “Credit Card Bill Payment”
• Select “Debit Card or Net Banking Payments”
• Enter your 16-digit credit card number and payment amount
• Choose your bank and complete the transaction through your bank’s secure interface.

7. IDFC First Bank Credit Card Payment through Auto-Debit Facility

Set up auto payments to ensure settlement of bills. The steps to pay through this facility:

• Register for auto-debit through Internet Banking or by visiting a branch
• Choose between minimum amount due or total amount due
• Select your preferred debit date
• Provide the required authorization
• Modify or cancel auto-debit instructions as needed

Offline Payment Methods

1. IDFC First Bank Credit Card Payment Through Cheque

For those who want to pay through traditional methods, cheque is a good option. The steps:

• Write a cheque payable to “IDFC First Bank Credit Card XXXXXXXXXXXXXXXX” (Your 16-digit card number)
• Write your name and card number on the back of the cheque
• Drop the cheque at any IDFC First Bank branch or designated ATM drop box
• Allow 2-3 working days for processing.

2. IDFC First Bank Credit Card Payment via Cash

For those who prefer cash transactions:

• Visit any IDFC First Bank branch
• Complete the deposit slip with your credit card details
• Submit the cash along with the deposit slip
• Obtain a payment receipt for your records
• Note that cash payments may incur a processing fee

3. IDFC First Bank Credit Card Payment via ATM

IDFC First Bank ATMs may offer credit card payment facilities:

• Visit an IDFC First Bank ATM
• Select the bill payment or fund transfer option
• Enter your credit card number and payment amount
• Confirm the transaction
• Keep the transaction receipt for your records.

Selecting the Best Payment Method

Factors to Consider

• Convenience : Digital methods like mobile banking and UPI offer 24/7 payment options without visiting a branch.
• Processing Time : Varied payment methods have different processing times:
  • UPI and Mobile Banking: Almost immediate
  • NEFT/IMPS: Within 24 hours
  • RTGS: Same-day processing
  • Cheque payments: 2-3 working days
• Transaction Costs : Most online payment methods are free, but some may carry nominal charges:
  • Internet/Mobile Banking: Generally free
  • NEFT/RTGS: May incur charges depending on your bank
  • Cash payments: Might involve processing fees
  • Cheque payments: No direct fees, but consider time and effort
• Transaction Limits : Consider the payment amount when choosing a method:
  • UPI: Daily limits typically range from Rs. 1,00,000 to Rs. 2,00,000
  • NEFT: No upper limit, but individual banks may impose restrictions
  • RTGS: Minimum threshold usually Rs. 2,00,000, no upper limit
  • Cash deposits: Branch-specific limits may apply.
• Security : All methods are secure, but digital channels offer additional security features like OTP verification and encryption.

Best Practices for IDFC First Bank Credit Card Payments

1. Pay Before Due Date : Always make payments at least 2-3 days before the due date to avoid late payment charges.
2. Payment Confirmation : Save payment receipts and confirmation details until the payment is reflected in your statement.
3. Set Reminders : Set calendar reminders for payment due dates if not using auto-debit facilities.
4. Check Statement : Regularly review your credit card statements to verify all transactions and payments.
5. Contact Customer Support : If you encounter any issues with payments, contact IDFC First Bank customer support immediately.

Conclusion

IDFC First Bank provides an extensive array of payment solutions tailored to ensure credit card holders experience seamless and effortless bill settlements. Familiarizing yourself with each available payment channel and its unique benefits enables you to select the method that perfectly complements your specific needs and daily routine. Making your IDFC First Bank credit card payments by the due date serves a dual purpose—it prevents unnecessary late payment penalties and interest accumulation while simultaneously strengthening your credit profile and maintaining your credit score . To maintain a consistent record of punctual payments throughout each billing period, opt for the payment avenue that best integrates with your personal schedule and lifestyle preferences.