Credit Card Payment Related Customer Service FAQs

Text size:
S M L
Letter spacing:

Get App

Select an area for your enquiry

Categories > Payment Related

How can I get a refund for excess payment done from my credit card?

For excess payment refunds to existing IDFC FIRST Bank accounts or for amounts less than Rs. 5k, please call 1800-10-888. To receive an excess payment refund exceeding Rs. 5k to an account other than an IDFC FIRST Bank Savings Account, please send a copy of the bank statement.

Which payment options are available for IDFC FIRST Bank Credit Cards?

IDFC FIRST Bank offers various payment options to pay your credit card bills.

Click here to Pay Now

You can also pay your credit bill through the following options:

Auto debit from an IDFC FIRST Bank Savings Account
IDFC FIRST Bank Mobile application
Internet Banking
UPI payment
IMPS/NEFT
Cash Deposit
Cheque
Debit Card

To know more about the options click here.

Can I make my credit card payment by cheque or cash?

Yes, IDFC FIRST Bank gives its credit card holders the choice to pay their dues through cheque or by cash. Cash deposits can be made into your credit card account at any IDFC FIRST Bank branch along with your name and card number. To find your nearest branch click here.

Customers can drop a cheque drawn in favour of the 16 - digit IDFC FIRST Bank Credit Card number i.e. “IDFC FIRST Bank Credit Card XXXXXXXXXXXXXXXX” at any IDFC FIRST Bank branch/ATM. To find the nearest branch/ATM click here.

Can I make my credit card payment online via NEFT?

Yes, IDFC FIRST Bank gives its credit card holders the option to pay their dues through IMPS/NEFT. Use the following details to pay:

Payee Name: Name as on your IDFC FIRST Bank Credit Card
Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number
Bank Name: IDFC FIRST Bank
IFSC Code: IDFB0010225

How do I avail the auto debit facility on my credit card?

Follow the below mentioned steps to enable the auto-debit facility on your credit card

Login to the mobile application/internet banking, click here to login
Go to Accounts
Select Cards
Navigate to Auto-pay credit bills to utilise the auto-debit facility

Can I modify my credit card's auto-debit facility from Total Amount Due to Minimum Amount Due and vice versa?

Cardholders can modify any standing instructions by logging into their IDFC FIRST Bank Internet/ Mobile Banking account:

Click on Credit Card
Select Manage Auto Pay
Set up either Total Amount Payment or Minimum Amount Payment

Click here to login

Why is my credit card payment not reflecting?

Please note the turnaround time for varied modes of payments below:

BHIM/UPI - Instant

IMPS, Bill Desk & Auto Debit - Payment gets credited on the payment due date and it will reflect instantly in Card account / IDFC bank application / net banking

Cash Payment - Instant

NEFT/RTGS - 30 min to 1 working day

IDFC FIRST Bank cheques - 1 working day

Visa Money Transfer, PSP Apps (e.g. PayTM, Cred, Phonepe, Google Pay etc.) - Within 3 working days

For other bank cheques - 4 working days based on the realization

Alternatively, it can be checked through the IDFC FIRST Bank mobile app Net banking under credit card transactions

For any further assistance, you can reach out to us on the 24/7 toll free number mentioned on our website: https://www.idfcfirst.bank.in

Blogs

What you need to know about getting a personal loan with a 720 CIBIL score

Updated on 13 Nov 2025 | 5 mins read

Getting a personal loan with a 715 CIBIL score – Here’s what to expect

Updated on 13 Nov 2025 | 5 mins read

Getting a personal loan with a 713 CIBIL score: What you need to know

Updated on 13 Nov 2025 | 5 mins read

Struggling with EMIs? Choose a personal loan balance transfer for relief

Updated on 06 Nov 2025 | 5 mins read

How to avoid personal loan rejection as a freelancer by taking care of these 5 requirements

Updated on 06 Nov 2025 | 5 mins read

Raise your CIBIL Score from 500 to 750 and boost your Personal Loan eligibility

Updated on 03 Nov 2025 | 5 mins read

CIBIL Score 700 and above: Benefits when applying for a personal loan

Updated on 03 Nov 2025 | 5 mins read