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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. 

How to Pay IndusInd Bank Credit Card Bills

You can complete your IndusInd Credit Card payment both through online and offline methods. Here, we have highlighted both for your convenience. 

IndusInd Bank Credit Card Payment Online Methods

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: 

IndusInd Credit Card Bill Payments Online Through Net Banking

Once you are through with the IndusInd Credit Card login process, you can use the net banking portal to clear your outstanding dues.

  • On the IndusInd net banking homepage, click on the ‘Funds Transfer' tab

  • Select the ‘Add a beneficiary’ option

  • Enter the name of the beneficiary and your IndusInd Bank Credit Card number

  • Click on ‘Transfer funds’

  • Choose the IndusInd Bank account from which you want to pay the dues

  • Select the IndusInd Credit Card and enter the transaction amount

  • Verify the details and click on ‘Pay’

  • Validate with the OTP sent to you on your registered number to complete the transaction

2. How to Initiate IndusInd Bank Credit Card Payment Online via BillDesk

IndusInd Bank allows you to make your credit card payment through BillDesk. The process is simple and safe. Here are the steps you would need to follow for your IndusInd Credit Card bill payment via BillDesk: 

  • Go to the BillDesk payment page

  • Enter your IndusInd Bank Credit Card number, your name, and the amount you wish to pay

  • From the list, select the bank account you wish to debit

  • Click on ‘Pay’

  • Wait to get redirected, log in to your net banking account, and authenticate the payment

 

The amount will be debited, and you will be redirected to a transaction acknowledgement screen where you can check your IndusInd credit card payment status.

3. IndusInd Bank Credit Card Payment Online via Mobile Banking

Follow these steps to make your credit card bill payment through the IndusMobile app:

  • Download the IndusMobile app from App Store or Google PlayStore

  • Sign in to your account using your MPIN or net banking credentials

  • On the home page itself, click on ‘Credit Card’

  • Click on ‘Pay Now’ to proceed with the payment process

  • Select whether you want to opt to use ‘IndusInd Bank account’ or ‘Swift Pay’

  • Enter the amount and authenticate the payment using your MPIN

4. Credit Card Bill for IndusInd Using NACH Facility

You can use the National Automated Clearing House (NACH) facility to authorise the bank to debit your IndusInd Bank Credit Card bill automatically. 

 

All you need to do is download the NACH Mandate form from-https://www.indusind.com/content/dam/indusind-corporate/credit-cards/nach-mandate-instruction-form.pdf, fill it, sign it, and mail it to the below-mentioned address:

 

IndusInd Bank Ltd. (Credit Card Division),

P.O. Box No.9421,

Chakala, MIDC, Andheri (East),

Mumbai, Maharashtra - 400093

 

Do note that you would need to enclose a blank cheque from your other bank account, along with the NACH form for verification purposes.

5. IndusInd Bank Credit Card Bill Payment Online Through NEFT

If you have an IndusInd Bank Credit Card, you can use the NEFT payment facility of your non-IndusInd Bank savings account to clear your card dues. 

 

The steps are as follows: 

  • Log in to your net banking account

  • Go to the ‘Fund Transfer’ tab and select ‘Add a beneficiary’

  • Select IndusInd Bank from the list of banks in the menu

  • Select the city/branch

  • Enter the IndusInd Bank Credit Card payment IFSC code as INDB0000018

  • Enter the 16-digit IndusInd Bank Credit Card number (15-digit in the case of IndusInd Bank Amex credit card) as your account number

  • Click on ‘Submit’

  • Once registered, you will have to go to the fund transfer section and choose NEFT as your preferred mode of transfer

  • Against payee, select the IndusInd Bank Credit Card as your beneficiary

  • Fill in the required details along with the amount

  • Authenticate and complete the payment

 

Do note that it can take anywhere between 4 hours and 24 hours to register a beneficiary. It is, therefore, wise to plan the process well before the IndusInd Bank Credit Card payment’s last date. 

 

Also, if there is an error in the IndusInd Bank IFSC code for credit card payment, account number, or branch details, the registration process will not be completed. 

6. IndusInd Bank Credit Card Payment via IMPS

If you have an IndusInd Bank Credit Card, you can use the IMPS payment facility of your non-IndusInd Bank savings account to clear your card dues. 

 

The steps are as follows:

  • Log in to your net banking account

  • Go to the ‘Fund Transfer’ tab and select ‘Add a beneficiary’

  • Select IndusInd Bank from the list of banks in the menu

  • Select the city/branch

  • Enter the IndusInd Bank Credit Card payment IFSC code as INDB0000018

  • Enter the 16-digit IndusInd Bank Credit Card number (15-digit in the case of IndusInd Bank Amex credit card) as your account number

  • Click on ‘Submit’

  • Once registered, you will have to go to the fund transfer section and choose IMPS as your preferred mode of transfer

  • Against payee select the IndusInd Bank Credit Card as your beneficiary

  • Fill in the required details along with the amount

  • Authenticate and complete the payment

 

Do note that IMPS is available for IMPS live member banks. Also, if you wish to pay your IndusInd Bank Credit Card bill online via IMPS, you would need to process the transaction at least two days before the due date.

7. IndusInd Credit Card Online Bill Payment Through RTGS

If you want to pay online, you can clear your IndusInd Credit Card bill using RTGS, too. The steps are as follows:

  • Log in to your net banking account

  • Go to the ‘Fund Transfer’ tab and select ‘Add a beneficiary’

  • Select IndusInd Bank from the list of banks in the menu

  • Select the city/branch

  • Enter the IndusInd Bank Credit Card payment IFSC code as INDB0000018

  • Enter the 16-digit IndusInd Bank Credit Card number (15-digit in case of IndusInd Bank Amex credit card) as your account number

  • Click on ‘Submit’

  • Once registered, you will have to go to the fund transfer section and choose RTGS as your preferred mode of transfer

  • Against payee, select the IndusInd Bank Credit Card as your beneficiary

  • Fill in the required details along with the amount

  • Authenticate and complete the payment

8. IndusInd Bank Credit Card Bill Payment Online Using Visa Money Transfer

If you own a Visa credit card from IndusInd Bank, you can use the VISA Money Transfer option to pay your credit card bills. The steps to follow are: 

  • Log in to your IndusInd Bank Credit Card net banking portal

  • Go to ‘Funds Transfer’ and select the ‘Visa Money Transfer’ option

  • Fill in the details for both the sender and the recipient

  • Click on ‘Confirm’ to authenticate and complete the transaction

9. IndusInd Bank Credit Card Bill Payment Online Using Auto Debit

You can also set up standing instructions on your IndusInd Bank account for hassle-free credit card online payment using auto-debit. 

 

To do so, you need to follow the steps mentioned below-

  • Download the ‘Auto Debit Form’ from the official website

  • Print and fill in the details requested in the form, such as your name, IndusInd Bank Credit Card number, bank account number, and branch

  • Choose whether you want to pay the total amount due or the minimum amount due

 

Mail the filled document to the bank at the below-mentioned address:

 

IndusInd Bank Ltd.

Customer Care-Credit Cards

P.O. Box No. 9421,

Chakala, MIDC, Andheri (East),

Mumbai, Maharashtra - 400093.

 

Once registered for the service, your monthly credit card bills will be automatically cleared from your linked account on the payment due date.

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IndusInd Bank Credit Card Payment Offline Methods

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.

1. Credit Card Bill Payments for IndusInd Bank Using Cash

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.

2. IndusInd Bank Credit Card Payment by Cheque

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.

3. IndusInd Bank Credit Card Payment Using SWIFT Transfer

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.

4. an IndusInd Bank Credit Card Payment Using an ATM Funds 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

How Does a Billing Cycle Work?

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.

Processing Times for the Different Methods of Payment

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.

Benefits of Making IndusInd Bank Credit Card Payments on Time

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

  • Increases Your Credit Limit: If you regularly clear your credit card dues on time, the bank may extend your credit limit 

 

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

How Does a Billing Cycle Work?

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.

Disclaimer

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.

Frequently Asked Questions

What are the consequences if I fail to pay my credit card bill on time?

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.

Is it possible to pay my IndusInd Bank credit card bill with cash at an ATM?

Yes, you can repay your IndusInd Bank credit card bill at an ATM near you. 

Can a cheque be used to pay the IndusInd Bank Credit Card bill?

Yes, you make your credit card bill payment through a cheque. 

How can I pay my IndusInd Credit Card bill with another credit card?

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.

How quickly will my payment be completed if I pick a SWIFT transfer to pay off my IndusInd Bank credit card balance?

SWIFT transfers generally take 2 to 3 days. 

How to make IndusInd Bank credit card payments through SBI net banking?

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.

How do I check my IndusInd Credit Card balance?

Send STMTXXXX (X stands for the final 4 digits of the bank card) to 5676757 to know your IndusInd Bank credit card balance. 

What is the credit limit of an IndusInd Credit Card?

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. 

What should a customer do if he accidentally enters the erroneous credit card information when making a purchase?

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. 

Can I use my mobile to pay my credit card bill?

Yes, you can repay your credit card bills on your mobile phone through a netbanking app. 

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