How to Pay IndusInd Bank Credit Card Bill via IMPS and NEFT: A Complete Guide

IndusInd Bank credit card holders have the convenient option to pay their outstanding dues using IMPS and NEFT. These payment methods allow customers to transfer funds to any bank account. This makes it ideal for those who do not have a savings account with IndusInd Bank. IMPS offers an instant payment facility, which can be useful for making payments at the last minute, while NEFT offers a reliable and widely accepted method for scheduling your payments.

 

Both options are considered secure, easy to use, and can be accessed via mobile or internet banking. This level of flexibility ensures timely payments and can help avoid unnecessary late fees and maintain a healthy credit score.

Here is a simple step-by-step process that can help you understand how you can pay your IndusInd Bank credit card bill using IMPS:

1. Log in to your bank’s internet banking portal or the mobile banking app to initiate IndusInd credit card online payment.

2. Choose the ‘Funds Transfer’ option and select ‘IMPS’ as the preferred payment method

3. Enter your 16-digit IndusInd Bank credit card number as the beneficiary account, and the beneficiary name, which is the cardholder’s name

4. Provide the IFSC code for IndusInd Bank, which is INDB0000018

5. Enter the amount that you wish to pay, and always double-check the details you have entered to complete your IndusInd credit card bill payment.

6. Click on ‘Submit’ to complete the transaction

 

A confirmation SMS and email will be sent to you by the bank once the payment has been made successfully.

IndusInd credit card bill payment via IMPS is processed instantly, making it ideal for urgent payments. Once you initiate the transaction using your mobile or internet banking, the amount is transferred to your IndusInd Bank credit card account immediately. In most cases, the payment will reflect in your credit card account instantly after the transfer is completed. However, it is advisable to check the status of your transaction and allow a brief window for the bank to update your statement.

Here are the key points about the IndusInd Bank IMPS facility:

• The maximum daily limit for IMPS transactions is ₹50,000 per day

• IMPS is available 24x7, including Sundays and bank holidays

• IMPS transactions can be initiated through various channels, including mobile banking and internet banking, offering flexibility to customers

Note: As per the latest Schedule of Charges, IMPS transactions through online channels are generally free. Charges may vary if done through offline modes. Always check with the bank for the most updated limits and fee structure.

Here is why paying your IndusInd Bank credit card bill via NEFT can help simplify your bill payments:

Widely Accepted Payment Method

NEFT is accepted by all major banks in India, allowing payments to IndusInd Bank credit cards from any bank account.

Convenient and Accessible

Pay IndusInd credit card bill through NEFT using internet or mobile banking, eliminating the need to visit a bank branch.

Secure Transactions

NEFT follows strict RBI security protocols, reducing the risk of unauthorised access or errors.

Trackable and Reliable

Each NEFT payment generates a unique reference number, making it easy to track and record.

Cost-effective Option

Online NEFT transactions are usually free of charge, helping save on payment fees.

Scheduled Payments

Many banks let you schedule NEFT transfers in advance, ensuring timely bill payments.

Supports Non-IndusInd Bank Customers

You can make NEFT payments from any NEFT-enabled bank, even without an IndusInd Bank account.

Paperless and Efficient

NEFT is a fully digital process, requiring no paperwork or physical visits.

Regulated by RBI

NEFT transactions follow standardised RBI protocols and timings, offering consistent and reliable service.

To make your IndusInd Bank credit card payment through NEFT, follow these steps:

 

1.Log in to your bank’s net banking account to pay IndusInd credit card bill through NEFT.

 

2.Add IndusInd Bank as a beneficiary using the following details:

• Beneficiary Name: The name as it appears on your IndusInd Bank credit card
• Account Number: Your 16-digit IndusInd Bank credit card number
• IFSC Code: INDB0000031
• Bank Name: IndusInd Bank
• Branch: IndusInd Bank, Mumbai

 

3.Wait for the beneficiary to be added successfully (this may take a few hours or up to one working day depending on your bank)

 

4.Once added, initiate the NEFT transaction and enter the amount to pay IndusInd credit card bill through NEFT.

 

5.Complete the payment process and note the transaction reference number for tracking

 

6.The amount will be credited to your IndusInd Bank credit card within one working day, subject to NEFT settlement timelines

NEFT payments to IndusInd Bank credit cards are usually processed within one working day, as per standard RBI settlement cycles. Transactions made during NEFT operating hours—typically between 8:00 a.m. and 6:30 p.m. on working days—are cleared in hourly batches. If the payment is initiated outside these hours or on a bank holiday, it will be processed on the next working day. Once the transaction is complete, the amount is credited to your IndusInd credit card account, and a confirmation is sent by the bank through SMS or email.

Here are the key details related to NEFT transactions for IndusInd Bank:

• NEFT transfers can be initiated online or at a bank branch

• There is no minimum amount required for NEFT transactions

• NEFT is available 24x7, including weekends and bank holidays, as per RBI guidelines

• Charges apply only to NEFT payments made at the branch; online transactions are free