This article shows you a very convenient way to pay your credit card bill in case you do not have an account with the same bank.

Disclaimer: The credit card names in this article are not recommendations for applying for those cards.

📚 Table of Contents

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• Why should you pay your credit card bill by NEFT?
• Step 1: Set up the payer in your Net-banking
  • Select bank-issued cards
  • Select co-branded cards
• Step 2: Make a one-time test transaction
• Step 3: Set an alarm on your phone
• Step 4: Pay the bill

Why should you pay your credit card bill by NEFT?

First of all, and to get it out of the way, the best option to pay a credit card bill online is by using the Net-banking or app of the bank issuing the card from your account in that bank. This article is for those who do not have an account in the issuing bank. Most of these card holders use various 3rd party sites/apps like Bill desk or Cred to pay their bills.

However, there is always a chance of operational risk of some kind of delay in the payment. If this happens, you will be shuttling between customer service of the card issuer, 3rd party payment portal and in some case the co-branded issuer which will take time to resolve the issue.

All credit card issuing banks offer a very convenient way to pay your credit card bill via NEFT. In this article we will cover a step-by-step process to setup and pay the bill.

The biggest benefit of credit card bill-payment via NEFT is the robustness of the NEFT payment network which operates almost 24x7 and there is no third-party involved in the chain.

Step 1: Set up the payer in your Net-banking

You need two pieces of information for this: the 16-digit credit card number and the IFSC code. The IFSC code is in the tables below:

Select bank-issued cards

Card issuer	IFSC	Link to bank site	Google search
Axis	UTIB0000400	Axis website	Google search
Kotak	KKBK0000958	Kotak website	Google search
ICICI	ICIC0000004	ICICI website	Google search
SBI	SBIN00CARDS	SBI website	Google search
Standard Chartered	SCBL0036001	Standard Chartered website	Google search
HDFC	HDFC0000128	HDFC website	Google search
Citi	CITI0000003	Citi website	Google search
IDFC First	IDFB0010225	IDFC First website	Google search
Indian Bank	IDIB000C106	Indian Bank website	Google search
Indian Overseas Bank	IOBA00CARDS	Indian Overseas Bank website	Google search
YES Bank	YESB0CMSNOC	YES Bank website	Google search

Select co-branded cards

Card issuer	IFSC	Link to bank site	Google search
Amazon Pay ICICI card	ICIC0000004	Amazon Pay ICICI website	Google search
Flipkart Axis card	UTIB0000400	Flipkart Axis website	Google search

Each table row gives the IFSC code, link to the bank website where the payer account mapping process is explained along with the IFSC code and the Google search link to locate the same information in case the bank link changes in the future. If you credit card issuing bank is not in the tables above, you can Google it like this: link.

The payer details will be:

• Payee name: Customer Name
• IFSC Code - as per tables above
• Payee Account Number - 16-digit Credit Card Number (15-digit number for AMEX cards)
• Account type: Either Credit card or Savings or Current

Pro tip: A few these banks even offer credit-card payment via UPI. The details will be there on their website.

Step 2: Make a one-time test transaction

Never do UAT in production

Once the payer account is setup, make a test transaction of ₹10 or ₹100 to check if everything is working. This achieves two things:

• check if the mapping detail is correct
• check how long it takes for the payment to get credited

Step 3: Set an alarm on your phone

All smartphones have a calendar app. I use Google Calendar. Check your last credit card statement date, on which you got the statement, and set a monthly recurring reminder to pay the bill. Do not forget to set reminders.

Step 4: Pay the bill

Once the alarm goes off every month, check the due amount from your email statement, login to Net-banking or App to pay the full bill via NEFT.

Enjoy your life.