IDFC Bank is one of the most famous credit card issuers in India, having its headquarters in Mumbai. IDFC has 600 branches in India, out of which 592 branches are spread across the country. It offers many different products and services, one of them being “Credit Cards”. These cards offer low-interest charges plus interest-free cash withdrawals, accident cover, discounts on movie tickets, unlimited reward points, fuel surcharge waivers, etc. Some of the IDFC Bank Credit Cards include the IDFC Wealth Credit Card, IDFC First Bank Credit Card, IDFC First Classic Credit Card, IDFC First Millennia Credit Card, and many more.
Time taken to process the Credit Card Bill Payment
| Payment Mode | Processing Time |
|---|---|
| Mobile App | Same Day |
| Net banking | Same Day |
| Cash | Same Day |
| RTGS | 1 Working Day |
| NEFT | 1 Working Day |
| UPI | Instantly |
| Cheque | Up to 2 days for the IDFC cheque 3-5 days for cheques from other banks |
| IDFC BillDesk | 2 to 3 Working Days |
| ATM Funds Transfer | Same Day |
Different Modes of IDFC Wealth Credit Card Bill Payment
Mentioned below are the different modes to make IDFC Wealth Credit Card Bill Payments:
- Via Internet Banking
- In the case of account holders
- Internet banking services can be accessed on computers, laptops, or mobile devices.
- Using credentials, log in to Internet banking.
- Click the tab “Credit Cards”.
- Register your card and select the card to make the bill payment.
- Now click “Pay Your Credit Card Bill”.
- Enter the desired amount to be paid.
- Click “Confirm” to make the bill payment.
- In the case of non-account holders
- Log in to the internet banking using username and password.
- Provide the details of your credit card.
- Transfer the funds from the savings bank account to make the bill payment transaction successful.
- Through NEFT
- Log in to the internet banking account.
- Click the tab “Funds Transfer”.
- Select the option “NEFT”.
- Now, click on “Add Beneficiary”.
- Enter your name as mentioned on the card, credit card number, name of the bank and IFSC code.
- Click on “Confirm” and proceed further to make payment.
- Enter the amount to be paid.
- Select the bank account from which the amount is to be debited.
- Provide “Remarks”.
- An OTP will then be received on the registered mobile number, which is then to be entered.
- Click on “Submit” to make the card payment.
| Payee Name | Customer Name ( As provided on your IDFC First credit card) |
| Payee Account | 16-digit IDFC First Bank credit card number |
| Bank | IDFC First Bank |
| IFSC Code | IDFB0010225 |
- Via IMPS
- Log into the bank website or mobile app.
- Choose the option “Funds Transfer”.
- Then press the tab “IMPS”.
- Now, enter the amount to be paid and the bank account from which you have to make the payment.
- Provide “Remarks”.
- An OTP will then be received on the registered mobile number, which is then to be entered.
- Click on “Submit” to make the card payment.
- Via BHIM or Google Pay UP
- Log in to the mobile app of Google Pay or Bhim UPI.
- Go to the UPI section.
- Click on “Send Money”.
- Provide a unique ID, like a 16-digit credit card number.
- Via Mobile Banking
- Download the IDFC First Mobile app from Google Play Store (in case of Android Users) and App Store (In case of IOS Users).
- Login using your credentials.
- From the menu, select “Credit Card”.
- Now, provide the credit card details to pay your credit card bill.
- Through Cheque
- Visit any nearest IDFC branch.
- Drop the cheque in the drop box.
- The cheque should be payable to IDFC Bank Card A/C.
- It should also include the 16-digit numbers of the credit card.
- Through Cash
- Visit any nearest IDFC branch.
- Make the credit card bill payment through cash.
- Processing fees would also be charged.
- An acknowledgement receipt will also be received after payment is made.
How to Check the Payment Status of IDFC Credit Cards?
Mentioned below are the different ways of checking the payment status of IDFC Credit Cards:
- Via Mobile Banking
Step 1: Log into Internet banking and then click on the option “Account”.
Step 2: Now, click on “Cards” and select the card.
Step 3: You can then go to the “Dashboard” option to go through the list of payments done.
Step 4: It takes 24-48 hours of time to get the status updated.
- Via Internet Banking
Step 1: Log into Mobile banking and then click on the option “Account”.
Step 2: Now, click on “Cards” and select the card.
Step 3: You can then go to the “Dashboard” option to go through the list of payments done.
Step 4: It takes 24-48 hours to update the status.
- Via WhatsApp Banking
Step 1: Download WhatsApp on your mobile device.
Step 2: Click on New Chat. Send “Hi” to 9555555555.
Step 3: Type Payment Status to check the status of the credit card bill payment.
FAQ’s
- What are the IDFC’s biller categories?
After setting up Autopay, one can pay off the entire bill amount in one go. Set a maximum amount limit for each biller. In case the bill amount exceeds this limit, you will get an instant notification. The biller categories are:
- Electricity
- Landline
- FasTag
- Rental
- DTH Recharge
- Broadband
- Water
- Credit Card
- Loan Repayment
- Piped Gas
- Donate
- Mobile Postpaid
- Book a Cylinder
- Insurance
- Subscription
- Mutual Fund
- Municipal Tax
- School/College fees
But there are some restrictions, like:
- There is no option to make part payments.
- An online payment cannot be made once the due date has passed. But pre-payments are allowed.
- The payment can only be made once it is presented for the same.
- Can one credit card be used to pay off the bill of another credit card?
Unfortunately, No. Most credit card issuers do not allow their customers to pay off the credit card bills with another card from the same bank. The limitations are as mentioned below:
- The credit card dues cannot be paid off with a credit card of the same bank. It means an IDFC credit card cannot be used to pay the credit card dues of another IDFC credit card.
- This option can be availed only across credit cards of different banks.
- A transaction fee of 2% to 4% is charged on credit card bill payments, which is quite expensive.
- To curb debt swapping, the bank usually restricts such kinds of payments to 30% to 50% of the total card limit.