Pay your card bill, the right way.

• NEFT from another bank

  Time not stated

  IFSC

  UTIB0000400

  Account number

  Your 16-digit credit card number

  Beneficiary name

  Your name as embossed on the card

  Bank

  Axis Bank

• Pay to a UPI ID

  Time not stated

  UPI ID

  cc.91registered mobile numberlast 4 card digits@axisbank

  • registered mobile numberYour 10-digit registered mobile number, typed straight after cc.91.
  • last 4 card digitsThe last 4 digits of your credit card number.

  Axis Bank publishes this UPI ID in the terms of its October 2020 pay-by-UPI offer. Its current payment help page doesn’t list a UPI ID, so check that your UPI app shows Axis Bank as the payee.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• Axis Mobile app

  Pay Last Bill, then Pay Now.

  Same day with Pay Now

• Axis internet banking

  Accounts › My Credit Cards › Pay Bill.

• Axis ATM, branch or cheque

  Cash at a branch costs ₹100 + tax. Cheques go in Axis drop boxes and can’t be post-dated.

  ATM and cash same day, cheque 1 working day

• IMPS or NEFT from another bank

  IMPS instant, NEFT 30 minutes to 3 working days

  IFSC

  KKBK0000958

  Account number

  Your 16-digit Kotak credit card number

  Payee name

  Your card number followed by your name, as in Kotak’s example

  Bank and branch

  Kotak Bank, Main Branch Mumbai

• Kotak WebPay

  Pay from another bank’s net banking, UPI or a RuPay debit card on Kotak’s payment page.

  Within 3 working days

• Kotak app or net banking

  Credit Card › CC Payments in the app, or Pay Now in net banking.

  App instant, net banking within 24 hours

• Cash or cheque at a branch

  Cash costs ₹100 + GST. Cheques payable to “Kotak Mahindra Bank Card A/C” and your 16-digit card number.

  Cash within 24 hours, cheque 3 to 5 working days

NEFT and IMPS use different account numbers. Don’t use your card number for IMPS.

• IMPS from another bank

  Instant, with an SMS confirmation

  IFSC

  SBIN00CARDS

  Account number

  91registered mobile numberlast 4 card digitsFor example 9198765432101234

  Account type

  Credit Card Payment

• NEFT from another bank

  SBI Card says it reflects instantly

  IFSC

  SBIN00CARDS

  Account number

  Your 16-digit SBI Card number

  Account type

  Credit Card Payment or Savings Account

• UPI

  SBI Card says it posts instantly

  Use Paynet › UPI or QR code on the SBI Card website or app. In BHIM SBI Pay, you can also pay to this UPI ID:

  UPI ID

  Sbicard.16-digit card number@SBI

  • 16-digit card numberYour full 16-digit credit card number, with no spaces.

  SBI Card documents this UPI ID in its BHIM SBI Pay steps. If you use another UPI app, check that the app accepts it and shows SBI Card as the payee.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• SBI UNIPAY (BBPS)

  Pick SBI Card under Bill Pay and enter the last 4 card digits and your registered mobile number.

  Real time

• SBI Card app, YONO or Paynet

  Paynet works with net banking from 50+ banks and with debit cards.

  Instant

• Cheque, branch or SBI ATM

  Cheque payments cost ₹200 + taxes since 15 Sep 2025. Senior citizens are exempt.

  Branch and ATM 2 working days, cheque 4

• Pay to a UPI ID

  Time not stated

  In a UPI-enabled banking app or the BHIM app, go to UPI › Send Money and pay to:

  UPI ID

  16-digit card number.cc@idfcbank

  • 16-digit card numberYour full 16-digit credit card number, with no spaces.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• IMPS or NEFT from another bank

  Time not stated

  IFSC

  IDFB0010225

  Account number

  Your 16-digit IDFC FIRST credit card number

  Payee name

  Your name as on the card

  Bank

  IDFC FIRST Bank

• IDFC FIRST app or net banking

  Credit Card › Pay credit card bill. You can turn on auto-debit here too.

• Cash or cheque at a branch

  Cheques drawn in favour of “IDFC FIRST Bank Credit Card” and your card number.

• Pay to a UPI ID

  Usually within a few hours, up to 1 working day

  Pay to this UPI ID, or scan ICICI’s Scan to Pay QR. You don’t need an ICICI account.

  UPI ID

  ccpay.registered mobile numberlast 4 card digits@iciciFor example ccpay.98765432101234@icici

  • registered mobile numberThe 10-digit mobile number registered with your card.
  • last 4 card digitsThe last 4 digits of your credit card number.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• NEFT from another bank

  Usually within a few hours, up to 1 working day

  IFSC

  ICIC0000004

  Account number

  Your card number: 16 digits, or 15 for an ICICI Amex card

• iMobile or internet banking

  No convenience charge on ICICI’s own digital channels.

• Cash at a branch or ICICI ATM

  Cash costs ₹100 + 18% GST per payment.

BOBCARD doesn’t publish NEFT or IMPS details on its website. Use the methods below, or the details printed on your statement.

• InstaPay

  Pay by net banking, debit card or UPI on BOBCARD’s InstaPay page (BillDesk or Razorpay).

  Confirmed immediately

• UPI apps

  BOBCARD lists Paytm, Google Pay and other UPI apps. Use the app’s credit card bill section.

• bobcard app, customer portal or bob World

  Confirmed immediately

• Cheque or auto-debit

  Cheque in favour of “BOBCARD No.” and your 16-digit card number, at any Bank of Baroda branch. Auto-debit is for Bank of Baroda account holders.

  NEFT, IMPS, cheque and cash confirmed in 2 days

• NEFT, IMPS or RTGS from another bank

  Time not stated

  Add your YES BANK credit card as a beneficiary.

  IFSC

  YESB0CMSNOC

  Account number

  Your YES BANK credit card number

• BillDesk

  Pay from any bank’s net banking through BillDesk, linked from YES BANK’s bill payment page.

• UPI in the YES Pay app

  From a YES BANK or any other bank account. Android only for now.

• iris by YES BANK or net banking

• Cheque

  Write your 16-digit card number, and your name and mobile number on the back. Drop it in a YES BANK drop box.

• NEFT, RTGS or IMPS from another bank

  1 to 2 days

  IFSC

  HDFC0000128

  Account number

  Your complete credit card number

  Account type

  Current or Savings

  Bank

  HDFC Bank

• PayZapp

  Bills and Recharges › Financial Services › Credit Card.

  Same day for HDFC Bank cards

• HDFC Bank app or NetBanking

  1 day

• BillDesk

  2 to 3 working days

• Cash at a branch or ATM, or cheque

  Cash 1 day

• NEFT from another bank

  Time not stated

  IFSC

  PUNB0112000

  Account number

  Your 16-digit PNB credit card number

  Account type

  Current Account

  Branch

  ECE House, New Delhi

The account number starts with the letters INBCC. Don’t send to your card number on its own.

• NEFT, RTGS or IMPS from another bank

  Time not stated

  IFSC

  IDIB000N078

  Account number

  INBCC16-digit card numberFor example INBCC4321123412341234No space between INBCC and the card number.

• Bill payment apps (BBPS)

  In BHIM, Google Pay, PhonePe, Paytm, CRED and similar apps, pick Indian Bank Credit Card under credit card bills and add it with your registered mobile number or last 4 digits.

• IndSMART app, net banking or IB Credit Card app

  Pay from the Credit Card section, or add “Indian Bank Credit Card” as a biller under Bill Payments.

• Branch or auto-debit

  Pay at a branch, or set up auto-debit from an Indian Bank account for the full or minimum due.

Bank of India’s own pages give two different NEFT formats. Its English page says to use IFSC BKID0000101 with your card number as the account number. Another of its pages asks you to send money to a bank account and quote your card number as the reference. Until the bank confirms one, use the methods below or call 1800-220-229 before sending a NEFT.

• BillDesk

  For direct billing cards: pay from another bank’s internet banking through BOI Online › Payment Services.

• BOI Omni Neo app or BOI internet banking

  Card Services › Credit Card Payment.

• Cheque or auto-debit

  Direct billing cards: cheque at any Bank of India branch. Branch billing cards are debited from your linked account on the due date.

From Canara Bank’s credit card policy for 2023–24, the newest document where the bank publishes these details.

• NEFT from another bank

  Time not stated

  IFSC

  CNRB0001912

  Account number

  Your 16-digit credit card number

  Beneficiary name

  The cardholder’s name

• IMPS or BBPS

  Canara lists IMPS and BBPS payments, but doesn’t publish IMPS details.

• Canara ai1 app or internet banking

• Branch, ATM or auto-debit

  Pay at any branch, at a Canara ATM with a Canara debit card, or have dues debited from your Canara account.

Your NEFT and IMPS account number is unique to your card and only shown in the OneCard app. Never use one someone else shares.

• OneCard app

  Pay by UPI from any UPI app, a debit card or net banking.

• IMPS or NEFT

  Send to the unique OneCard account number shown in your app.

• Not accepted

  OneCard doesn’t take cash or cheque payments.

• NEFT from another bank

  Limit freed same day, credit next business day

  IFSC

  RATN0CRCARD

  Account number

  Your 16-digit RBL credit card number

  Payee name

  Your name as on the card

  Bank and branch

  RBL Bank, NOC Goregaon, Mumbai

• UPI

  Pay with a UPI ID (VPA) through RBL’s online card payment.

  Limit freed same day, credit next business day

• Other bank’s net banking or a debit card

  Through RBL’s online card payment (BillDesk or Razorpay).

  Limit freed same day, credit up to 3 business days

• RBL MyBank app or RBL net banking

  From an RBL account: credit next business day

• Cash, cheque or NACH

  Cash at an RBL branch costs ₹100 + GST. Cheques payable to “RBL Bank Card” and your 16-digit card number.

• NEFT, RTGS or IMPS from another bank

  Pay at least 2 working days before the due date

  IFSC

  INDB0000018

  Account number

  Your 16-digit card number, or 15 digits for an IndusInd Amex card, without spaces

  Beneficiary name

  The cardholder’s name

• INDIE app or IndusNet

  From an IndusInd Bank account.

• Credit Card Quick Pay or Visa money transfer

  Pay online from another bank account.

• Cash, cheque or NACH

  Cash at IndusInd branches costs ₹100.

Equitas publishes the IFSC for payments from other banks (ESFB0CCARDS), but not what to enter as the account number. Check your statement or call the bank before sending money this way.

• Pay via UPI ID

  Time not stated

  In your UPI app, choose Pay to UPI ID and enter the full ID without spaces:

  UPI ID

  CC.registered mobile numberlast 6 card digits@equitas

  • registered mobile numberThe 10-digit mobile number registered with your Equitas credit card.
  • last 6 card digitsThe final 6 digits of that credit card number, typed immediately after your mobile number.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• Equitas net banking, mobile banking or the Selfe app

• Pay to a UPI ID

  Time not stated

  In your UPI app, choose Pay to UPI ID and enter:

  UPI ID

  AUCC.registered mobile numberlast 4 card digits@AUBANKFor example AUCC.98765432101234@AUBANK

  • registered mobile numberThe 10-digit mobile number registered with your card.
  • last 4 card digitsThe last 4 digits of your credit card number.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• AU 0101 app or net banking

  Select the card, then Pay bill. You can also turn on Auto Pay here.

• Cheque at an AU branch

  Write your 16-digit card number as the payee and deposit it at least 2 days before the due date.

• NEFT from another bank

  Time not stated

  IFSC

  HSBC0400002

  Card number

  Quote your complete 16-digit HSBC credit card number

• BillDesk or PayU

  Pay from any bank account. Start from HSBC’s payment page so you land on the right site.

• HSBC internet or mobile banking

  For HSBC bank account holders.

• Visa money transfer, cheque, ATM or branch

  Cash at a branch costs ₹100.

Amex only accepts payments from a bank account in the primary Cardmember’s name.

• Pay to a UPI ID

  Before 5 pm: credited next day, except Sundays and bank holidays

  In a UPI-enabled mobile banking app, pay to:

  UPI ID

  AEBC15-digit card number@SCFor example AEBC3XXXXXXXXXXXXXX@SC

  • 15-digit card numberYour full 15-digit Amex card number, starting 34 or 37, with no spaces.

  Pay only from an eligible bank account in the primary Cardmember’s name. Non-residents of India must pay from an NRE or NRO account in the primary Cardmember’s name.

  Before paying, verify the recipient details displayed by your UPI application. If the payee cannot be verified or appears incorrect, do not proceed. Use the bank’s official payment page or contact the bank for confirmation.

• NEFT, RTGS or IMPS from another bank

  NEFT settles next day

  IFSC

  SCBL0036020

  Account number

  Your 15-digit card number, starting 34 or 37

  Payee name

  American Express

  Bank

  Standard Chartered Bank, Current account

• Online payment from 50+ banks

  Net banking, RuPay debit card, UPI or UPI QR from the Amex website or app.

  1 to 2 business days

• Cheque or autopay

  Cheques payable to “AEBC Card No.” and your card number. Use Standard Chartered drop boxes with the Amex sticker.

SBM Bank India issues its cards with partner apps, and its website doesn’t publish a bank-wide way to pay. Pay in the partner app you applied through, or use the details printed on your statement.

• Roarbank app

  For the Roarbank credit card.

• UPI apps or a linked bank account

  Unity lists UPI-enabled apps and transfers from a linked bank account. It doesn’t publish a UPI ID or account details.

Most CSB credit cards are OneCards. Pay those in the OneCard app (see OneCard above). For other CSB cards, use the details printed on your statement.

• NEFT or IMPS

  Time not stated

  Federal Bank describes this for FedMobile and FedNet. Add the card as a beneficiary:

  IFSC

  FDRL00CARDS

  Account number

  Your credit card number

  Name

  Your name as on the card

  Bank and branch

  Federal Bank, Aluva

• Cheque, cash or auto-debit

  Cheques payable to “Federal Bank Credit Card No.” and your card number. Cash at a branch costs ₹100.

  Federal cheque 1 working day, other banks 3 to 5

• NEFT or IBFT from another bank

  Time not stated

  IFSC

  SCBL0036001

  Account number

  Any card number on your credit card account

  Branch

  MG Road, Mumbai

• BillDesk

  Pay from any bank, starting from Standard Chartered’s payment page.

• Standard Chartered online banking

• Cheque, cash or auto-debit

  Cash only at branch teller counters. Cheques in favour of your card account or card number.

Union Bank says you can pay from any bank by NEFT, IMPS or UPI, but doesn’t publish the account format. Use the UPI or bank details printed on your monthly statement.

• Union Bank mobile or internet banking

• Payment gateway from other banks

  Union Bank lists payment gateway services for paying from other bank accounts.

• Branch or auto-debit

  Cash, transfer or a cheque in favour of your card number at any branch. Auto-debit is required if you have a Union Bank account.

• NEFT or IMPS from another bank

  Time not stated

  IFSC

  DBSS0IN0811

  Account number

  Your 16-digit DBS credit card number

  Beneficiary

  Add “DBS Credit Card” as the beneficiary

• Online payment from other banks

  Instant

• Cheque

  Payable to “DBS Credit Card”. Drop it well before the due date.