What is the IFSC code of Axis Bank credit card for paying credit card bill by NEFT?

The IFSC code of Axis Bank credit card for bill payment by NEFT is UTIB0000400. The account number is the 16-digit card number

What is the IFSC code of Kotak Bank credit card for paying credit card bill by NEFT?

The IFSC code of Kotak Bank credit card for bill payment by NEFT is KKBK0000958. The account number is the 16-digit card number

What is the IFSC code of ICICI Bank credit card for paying credit card bill by NEFT?

The IFSC code of ICICI Bank credit card for bill payment by NEFT is ICIC0000004. The account number is the 16-digit card number

What is the IFSC code of SBI Bank credit card for paying credit card bill by NEFT?

The IFSC code of SBI Bank credit card for bill payment by NEFT is SBIN00CARDS. The account number is the 16-digit card number

What is the IFSC code of Standard Chartered Bank credit card for paying credit card bill by NEFT?

The IFSC code of Standard Chartered Bank credit card for bill payment by NEFT is SCBL0036001. The account number is the 16-digit card number

What is the IFSC code of HDFC Bank credit card for paying credit card bill by NEFT?

The IFSC code of HDFC Bank credit card for bill payment by NEFT is HDFC0000128. The account number is the 16-digit card number

What is the IFSC code of Amazon Pay ICICI Bank credit card for paying credit card bill by NEFT?

The IFSC code of Amazon Pay ICICI Bank credit card for bill payment by NEFT is ICIC0000004. The account number is the 16-digit card number

What is the IFSC code of Flipkart Axis Bank credit card for paying credit card bill by NEFT?

The IFSC code of Flipkart Axis Bank credit card for bill payment by NEFT is UTIB0000400. The account number is the 16-digit card number

« What is the latest Employees Provident Fund (EPF) rate? What are the historical rates for EPF? Do not share login and password of income tax portal with your CA. Here is what you should do instead. »

How to pay your credit card bill by NEFT?

Posted on 09 Jul 2023
Author: Sayan Sircar

Tags: Step by step

4 mins read
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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.

How to pay your credit card bill by NEFT?

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

📚 Topics covered:

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 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.

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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

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

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.

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