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How to Pay IndusInd Bank Credit Card Bill Payment Online & Offline

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. People now-a-days have understood how credit cards can be used to move credit and thus many have multiple cards from various banks to avail the benefits provided by each card issuer.

IndusInd Bank offers some of the best credit cards in the industry. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. IndusInd Bank cards have varying rewards and benefits for each card while some cards give amazing amount of cashback for various transactions while some cards give reward points which can be used later to redeem to get a great offer from IndusInd Bank.

IndusInd Bank also provides many modes to maintain and payment option of your credit card which the customer can choose according to their convenience.

The two main options are classified as online and offline mode of payment which are further classified into multiple features that a customer can use to pay off their credit card dues.

IndusInd Bank credit card payment – Online mode

Indusind Bank Credit Card Bill Payment

With the world going digital many people prefer paying their bills through online mediums. IndusInd Bank has also understood this trend and setup multiple ways that a person can pay their credit card bills.

IndusInd Bank Net Banking:

To utilize the IndusInd Bank Net Banking facility, IndusInd Bank’s savings and current account holders must register for this service. Only after registration, online payments can be done by customers. Customers can also link their IndusInd Bank credit cards to Net Banking account, after logging into their IndusInd Bank Net Banking account. The ATM pin needs to be used to link the IndusInd Bank credit card to the Net Banking account.

Customers can access or view their IndusInd Bank credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months. All the Net Banking account will detail the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. To pay your credit card dues log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your IndusInd Bank savings account.

IndusInd Bank Mobile Banking Application:

IndusInd Bank credit card users can also use the IndusInd Bank Mobile Banking application to make outstanding bill payments. Customers need to download the app on their mobiles and after installation use their customer ID to log into the app. It has all the features that are present in the Net banking portal. To pay of the credit card dues the user needs to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection a user can pay or transact for anything from anywhere accessing their savings account using the Mobile app.


If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as an IndusInd Bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their IndusInd Bank accounts.

The total monthly outstanding amount or the minimum amount due on the IndusInd Bank credit card can be repaid using the Autopay facility. The IndusInd Bank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.

IndusInd Bank credit card payment – Online mode for non-IndusInd Bank Account

You do not necessarily open an IndusInd Bank account to have an IndusInd Bank credit card, you can also pay your credit card bill using a non-IndusInd Bank account. There are several ways that a person with an IndusInd Bank credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your IndusInd Bank credit card bill through other banks works for IndusInd Bank as well as other banks.

There are plenty of online modes of IndusInd Bank credit card bill payment to clear your credit card dues using a non-IndusInd Bank account. Some of them are mentioned here.

National Electronic Funds Transfer (NEFT)

You can pay your IndusInd Bank credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.

Real Time Gross Settlement (RTGS)

For people who like to use their credit cards for large transactions, you can pay your credit card bills in one go using the RGTS mode even if they do not hold an IndusInd Bank account. All you need to have is your net banking activated on your non-IndusInd Bank account to carry out an RTGS transaction. Through RGTS, you can make payments for Rs. 2 lakhs and more. Any RTGS transactions are executed individually unlike NEFT which are processed in batches.

IndusInd Bank Website

Non-IndusInd Bank account holders can use the Bill Desk web page which is set up for IndusInd Bank credit card holders. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the IndusInd Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If they have given their email id, they will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can see the list in the IndusInd Bank website.

Visa Money Transfer

You can make the payment for IndusInd credit card through Visa Money Transfer Facility.

  • Login to your net banking account and under ‘Fund Trasfer’ select ‘Visa Payment’.
  • Contact your debit card issuing bank to know more about Visa Money Transfer.
NACH Facility

You need to fill up a NACH form and email it to IndusInd Bank. Following this, your payment will automatically be debited from your other account.

SWIFT Transfer

This facility allows you to pay from the local branch in abroad for the IndusInd Bank Credit card bill.

Your Non-IndusInd Bank’s Website

In case you don’t have an IndusInd Bank account you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your IndusInd Bank account.

IndusInd Bank credit card payment – Offline payment mode

There are many people who still consider paying their bills the traditional way. This could be due to two reasons – either they are not comfortable with the online methods or they don’t have access to the online payment modes. Either way they prefer to pay their bills offline. For such people, IndusInd Bank provides multiple ways by which any individual can pay their credit card dues.

Cash payment

You can pay your credit card bills by paying in cash at any one of the IndusInd Bank branches nearest to you in your city.

Cheque or Demand Draft Payment

If you prefer to pay your credit card bills using cheques or demand draft then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques or draft mentioning your credit card number and other required details at IndusInd Bank ATMs where there are drop boxes for this purpose.

Indusind Bank Credit Card Bill Payment FAQ

1. When a customer makes a payment towards an IndusInd Bank credit card, how long will it take for the money to be credited?

The payment done by a customer will be credited to the IndusInd Bank credit card account in two working days.

2. Can I make my credit card bill payment through the mobile?

To make mobile banking payment, you need to download the app and make the payment in the credit card section.

3. What should a customer do in case he has entered the wrong credit card number while making payments?

Generally, customers should enter the credit card number twice for security reasons. In case the wrong number has been entered, then the customer is required to call the customer care for further support.

4. How can make offline payment towards my Credit Card Bill?

You can make the payment in cash at your nearest IndusInd Bank branch.

5. How will I get confirmation after making the payment?

You will receive an SMS alert after making the payment.

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