Know how to pay your IndusInd Bank credit card dues!
It’s important to pay your IndusInd Bank credit card dues on time to maintain your credit score and avoid late payment fees. Paying your credit card bills is very simple and convenient. You can make the payment both online and offline.
You can complete your IndusInd Credit Card payment both through online and offline methods. Here, we have highlighted both for your convenience.
You can use any of the following online payment methods to pay your IndusInd Bank credit card bills:
Net banking
Mobile banking
Billdesk
NACH
NEFT
RTGS
IMPS
Auto-debit
Visa Money Transfer
Follow these steps to make your IndusInd Bank credit card bill payment:
Along with the online channels, there are several offline IndusInd Credit Card payment options. Depending on your preference, you can select the one that seems most convenient to you.
To make IndusInd Bank Credit Card payment by cash, the steps to follow are:
Visit your nearest IndusInd Bank branch
Fill in and submit the payment receipt
Pay by cash
For future reference, collect the acknowledgement receipt. Do note that cash payments attract a service charge of ₹100 per payment.
To make an IndusInd Bank Credit Card payment by cheque, the steps to follow are:
Visit your nearest IndusInd Bank branch
Fill in and submit the cheque receipt
In the cheque, mention your IndusInd Bank Credit Card number as the payee
Fill in the amount you wish to pay (total due/ minimum due) and authenticate with your signature
Submit the cheque to the bank representative
Collect the acknowledgement receipt
Alternatively, you can drop the cheque at one of the cheque-drop boxes located at an ATM. Do remember to mention your name and phone number on the back of the cheque.
If you are abroad, you can visit your local bank and use the SWIFT transfer facility to pay your IndusInd Bank Credit Card outstanding amount. You would need to instruct the bank to pay the IndusInd Bank account in your preferred currency.
While sending the wire transfer, do notify your local bank to mention 'OUR' in the charges column. It may take anywhere between 24-48 banking hours for the money to be transferred and another 24 hours for the payment to be processed.
Do note that you would need to mention the account number, name, and address when making the transfer.
To make an IndusInd Bank Credit Card payment via ATM, follow these quick and simple steps:
Head to the nearest ATM and swipe your card
Enter the PIN and select the ‘Visa credit card bill payment’ option
Choose the account you want to make the transfer from
Enter the credit card number and confirm the transaction
The billing cycle of your credit card refers to the period in which your IndusInd Bank Credit Card payment bill is generated. All banks offer an interest-free period, during which you can make your bill payment without any interest.
So, you can plan your purchases as per the billing cycle to enjoy a maximum interest-free period.
Here are the processing timelines for different payment methods:
Mode of Payment |
Processing Timelines |
Auto Debit |
Same day |
Visa Money Transfer |
5 working days |
IMPS |
Same day |
NEFT/RTGS |
2 to 3 working days |
Net banking customers of IndusInd Bank |
Same day |
BillDesk/Swift Pay |
2 to 3 working days |
NACH |
On the due date |
Cash |
Instantly |
Disclaimer: The details are added for representation purpose only. Please check the official website for more details.
You can enjoy the following perks if you make your IndusInd Credit Card payment on time:
Saves from Interest Charges: Note that if you do not clear your IndusInd Credit Card dues on time, you will need to pay high-interest rates on the due amount, ranging between 20%-30% p.a.
Avoid Paying Late Charges: If you do not clear your IndusInd Bank Credit Card payment on time, you will also have to pay a late fee, amounting to a percentage of your overdue amount
Positive Impact on Credit Score: If you make your IndusInd Bank Credit Card payment on time, it will help you improve your credit score in the long run
The billing cycle of your credit card refers to the period in which your IndusInd Bank Credit Card payment bill is generated. All banks offer an interest-free period, during which you can make your bill payment without any interest.
So, you can plan your purchases as per the billing cycle to enjoy a maximum interest-free period.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
If you fail to pay your bill on time, the bank usually levies a penalty in terms of late payment charges, which is a fixed percentage of your bill amount.
Yes, you can repay your IndusInd Bank credit card bill at an ATM near you.
Yes, you make your credit card bill payment through a cheque.
You can make your IndusInd Bank Credit Card bill payment either online or offline. Online, you can use NEFT, IMPS, RTGS, net banking, mobile banking, Visa Money Transfer, or NACH, to clear your dues.
For offline payments, you can pay the outstanding on your IndusInd Credit Card statement via SWIFT transfer, cash, or by submitting a cheque drawn in the name of the bank.
SWIFT transfers generally take 2 to 3 days.
You can make your IndusInd Bank credit card payments through SBI net banking by logging into OnlineSBI. Select the Credit Card (Visa) Beneficiary link in the ‘Payments and Transfers’ tab, select the Payee, and enter the amount you wish to transfer.
Send STMTXXXX (X stands for the final 4 digits of the bank card) to 5676757 to know your IndusInd Bank credit card balance.
Credit limits are extended based on a number of factors like your credit history, score, relationship with the card issuer, etc. So, it’ll vary depending on your profile.
You should get in touch with IndusInd Bank’s customer service team in case you’ve entered incorrect credit card information while making a purchase.
Yes, you can repay your credit card bills on your mobile phone through a netbanking app.