IDBI Bank Credit Card Bill Payment Online Offline Mode

How to Pay Your IDBI Bank Credit Card Bill: This a true, the game can be played in the Online Mode and the Offline Mode.

Dealing with credit card bills is a general housekeeping of a good financial management and IDBI Bank address this via offering a multiple choice options. That is the reason why we can see several options regardless the fact that the people use either online sources or offline tools. In this particular article now let me discuss all the payment options that are inclusive in order to make the IDBI Bank credit card bill payment.

Why Timely Credit Card Bill Payments are Important

However, let us first look into the opportunity that has made it necessary to look at other modes of payments; the reasons why it is important to pay your credit card bill on time. Delayed payments can lead to:Delayed payments can lead to:

- **Late Payment Fees**: Another policy that is common to almost all the banks is penalty for late payment which is usually charged when the payment is made after the due date.
- **High Interest Rates**: The balances which have not been paid are followed by the interest which increases your outstanding amount.
- **Impact on Credit Score**: Paying your loans on time on a regular basis can be expensive through having frequent delay or missing payment in conformity this can lower your credit score hence future credit loans becomes harder.

Hence it is crucial to prepare the necessary payments on time, and in any way convenient to the organization.

Online Modes of Payment for IDBI Bank Credit Card

Online methods give the benefits of paying the bills just using phone or computer without leaving the house. Here are the online options IDBI Bank offers:Here are the online options IDBI Bank offers:

1. IDBI Net Banking
Net Banking is the fastest and easiest payment method for all the IDBI Bank credit card holders if you have an account with the bank.

#### Steps:
- To do this, you have to visit the website http://www.idbi.com/english/ and enter the login details.
- In the next step, one needs to find the “Credit Card” tab.
- Choose on the option that says “Pay Credit Card Bill. “
- Select the IDBI Bank account to use for payment from the options available.
- Insert the value you wish to pay and then confirm the payment.

When it comes to Net Banking, the payments made are immediate or they take not more than a few hours.
2. Mobile Banking has become one of the most commonly used words that most people barely give a second thought about it as it is part of our daily lives hence our focus is on IDBI Bank Mobile Banking App.
In addition, the IDBI Bank mobile app provides even easier way to make a payment toward the credit card Balance.

#### Steps:
- Go to play store for android users or app store for ios users, search for the IDBI mobile banking app and download it then log in.
- Get to the ”Credit Card” Sub tab of the parent tab in the user interface.
- Choose the payment option that is called “Credit Card Payment. “
- Click the account of your choice and enter the billing amount.
- Confirm the payment.

It serves as a reliable and easy way since the mentioned mobile banking app provides real time update and notification.

3. BillDesk

BillDesk is an avails service provider whereby it handles the credit card transactions for various banks including IDBI Bank.

#### Steps:
- To make a payment for your credit card reach the stay IDBI Bank BillDesk portal.
- Please provide your IDBI Bank Credit Cards details.
- Select the mode of payment which is either Net Banking, UPI or Debit Card.
- Confirm and complete the payment or the purchase.

Payments on BillDesk normally take 1 to 2 business days to complete.

4. NEFT/IMPS (From Any Bank)
If you do not have an account with IDBI Bank you may pay your credit card bill through NEFT or IMPS from any bank.

#### Steps:
- Step 1: Go to your bank’s website and login into the Net Banking or mobile application.
- Select “Fund Transfer” and then it will be “NEFT” or “IMPS.”
- In the beneficiary details section provide your IDBI Bank credit card number.
- For the said payment, kindly use the following IFSC code IDIB000G030.
- Type in the amount and finalise the transaction.

NEFT payments may take up to 4 hours during working hours whereas IMPS gives immediate processing of payments.

5. Auto Debit Facility
The one that seems to be valet preferably by those with no time or energy to do it, is the auto debit option.

#### Steps:
- Sign into the IDBI Net Banking or go to the branch to request to have auto debit activated.
- Allow the bank to directly withdraw from your saving or current account your credit card bill amount on the due date.

This option helps you avoid any payments being made at the last minute so as to avoid getting charged interest on fees.

6. UPI (Unified Payments Interface)
UPI is the fourth method in the list which is equally effective and helps the customers to pay their credit card bills easily.

#### Steps:
- Basically, for this, you need to open any app which is based on UPI like Google Pay, Phone Pe or Paytm.
- Slice “Send Money” or “Pay.
- As the payee enter the credit card number of the IDBI Bank which has to be paid.
- To finish the amount type the required sum to complete the given transaction.

In most of the cases, the payments made through the UPI get completed within a very short span of time.

IDBI Bank Credit Card Bill Payment Online Offline Mode

Offline Modes of Payment for IDBI Bank Credit Card

Despite the fact that the available payment systems are fast and convenient, the described services also include traditional offline payment methods for convenient clients or those who are not familiar with the possibilities of electronic commerce.

1. Cheque or Demand Draft
Payment of IDBI Bank credit card bill can be made through generating a cheque or demand draft in favor of IDBI Bank.

#### Steps:
- Whenever you wish to pay through cheque or demand draft, write a cheque/ demand draft in favour of “IDBI Bank Credit Card (Your Credit Card Number).”
- Deposit the cheque or the draft at the specified drop box in any of the IDBI Bank Branch.
- Make sure that the details of the cheque or the draft contain your complete credit card number and your contact information.

The payment is normally cleared to your account within 2-3 working days; therefore it is recommended to make the payment several days before the due date.

2. Cash Payment
To pay through cash, you can always walk to any branch of the IDBI Bank and then make a cash payment to whatever amount you need to pay on your credit card bill.

#### Steps:
- The IDBI Bank contact address is to go and visit the nearest branch of the bank.
- Write the appropriate information on credit card payment slip.
- Pass the slip and the money into the hand of the official of the bank.
- Ensure that you keep copies of the payment receipt as well.

The cash payments are debited or credited in account within the same day. Thus, the bank could consider a little amount of service fee for cash payments.

3. Electronic Clearing Service (ECS)
ECS considered if you have a non-IDBI Bank account and you want to defaulted for your credit card amount every month.

#### Steps:
- Many Non-IDBI Bank branch and in order to register for ECS you need to fill in the details of your IDBI Bank Credit Card.
- Allow the bank to direct debt your account to enable payment of the credit card statement on the due date.

This service enables the payments to be made on or before the due dates every month thus eliminating chances of being charged extra fees.

Tips to Manage Your Credit Card Payments Effectively

- **Set Reminders**: Save payment due dates in your mobile banking app or calendar so as to be able to avoid late fees charges.
- **Pay More Than the Minimum**: This means that it is always wise to pay more than the minimum being required since it enables you to reduce the outstanding balance and thus avoid charges that will be attracted by the interest rate.
- **Track Your Expenses**: Always compare your credit card records to the records of your everyday spending habits so that you do not overspend.
- **Auto-Payment**: To avoid pressure and insecurity of having to hunt for cash at the end of every month, it would be advisable to open an auto-debit facility for the full amount in a given month.

Conclusion

Given below are important channels which has been provided by the IDBI Bank where through one can easily pay the credit card bill: Starting from online through Net Banking and mobile apps to the more conventional cheque or cash, you can be flexible enough to be able to make a choice convenient for you. Paying attention to your credit card payments means that you will not be charged additional fees, your budget will be in check and you will have a good credit score as well.