A guide to linking credit cards to bank accounts for effective card management

Summary: It is beneficial to link a credit card to a bank account to manage the card effectively and also to pay the dues on time. You can link a credit card online in a few steps. Check out the credit card guide to link it with your IDFC FIRST Bank account.

29 Jun 2024 by Team FinFIRST

Guide to Link Credit Card to Bank Account

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Did you know you can link a credit card to a bank account?

You can!
Plus, when you link the credit card, managing it becomes much easier. When your credit cards are linked to the bank account, you get several benefits. Let's know about them in detail.

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Benefits of linking credit cards to your bank account

Clearing card dues

You can place a standing Instruction on your bank account to clear the credit card bill when it is generated. This helps in avoiding missed or late payments which not only incur additional interest charges but also hamper your credit score.

Checking statements

Your credit card statements are also accessible whenever you want. You can log into your net banking account and easily check your current and previous credit card statements.

Limit enhancement

You can request the bank to increase your credit card limit so that you have more credit access. An enhanced limit also helps boost your credit score by lowering the credit utilization ratio.

Now that you know the benefits, the next question is ‘How’. To answer this question, check out the steps of how to link a credit card with an IDFC FIRST Bank account.

Step-by-step linking process

Download the IDFC FIRST Bank mobile application on your smartphone and register your bank account on it
Next, open the home page of the app and under ‘Bank’, go to ‘Recharges and Bills’ and select ‘Credit Card’
Enter and search the name of the bank whose credit card you own
You can also search the biller name through the bank’s logo that appears on the screen
Once the biller is selected (IDFC FIRST Bank Credit Cards), choose ‘Pay or add new biller’
Add the biller in the mobile app, and it's done!

Your IDFC FIRST Bank account will be linked to your credit card instantly.

Integrated banking, effortless banking!

If you have multiple credit cards, you can keep adding them to your IDFC FIRST Bank account using the mobile app. It is simple, quick, and convenient. Linking a credit card to a bank account makes managing your cards easy and hassle-free.

So, why the wait? Link your credit card to your bank account as soon as possible for a seamless and integrated banking experience.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.