IDFC First Bank Credit Card Payment through Mobile Banking

Last Updated : May 9, 2025, 3:48 p.m.

In our rapidly evolving digital era, efficient financial management has become essential, with IDFC First Bank's mobile banking service emerging as an excellent tool for handling credit card payments . This detailed walkthrough will guide you on utilizing IDFC First Bank's mobile platform for credit card bill settlements, highlight the advantages of this payment method, and explain how punctual payments can enhance your CIBIL score performance. Let us now read in detail about IDFC First Bank Credit Card Payment through mobile banking.

Understanding IDFC First Bank Credit Card Payments through Mobile Banking

IDFC First Bank's mobile banking application provides customers with a convenient platform to manage their credit card payments anytime, anywhere. The intuitive interface makes it easy for users to stay on top of their payment schedules, helping them maintain a good credit history and avoid penalties.

How to Make IDFC First Bank Credit Card Payments through Mobile Banking?

Making credit card payments through the IDFC First Bank mobile banking app is a straightforward process:

1. Download and Install: The IDFC First Bank mobile banking app is available for both Android (Google Play Store) and iOS (App Store) users. It's compatible with Android OS 4.4 & above and iOS 8.0 & above.
2. Login: Use the current internet banking credentials you have to log into the mobile banking app.
3. Navigate to Credit Card Section: Post logging in, go to the "Credit Card" section within the app.
4. Pay Credit Card Bill: Select the "Pay credit card bill" option to proceed with your payment.
5. Choose Payment Method: Select your preferred payment method (savings account, other bank account via UPI, etc.).
6. Enter Amount: Input the payment amount (Total due, minimum due, or custom amount).
7. Confirm Payment: Review the payment details and confirm to complete the transaction.

Benefits of Making IDFC First Bank Credit Card Payments through Mobile Banking

Quick and Secure Payments

The IDFC First Bank mobile banking platform ensures that your credit card payments are processed securely and instantly. The app employs advanced security protocols to protect your financial information while facilitating quick transactions.

Multiple Payment Options

Through the mobile banking app, IDFC First Bank offers various payment options for credit card bills:

• Direct account transfer from your IDFC First Bank account
• UPI payments
• Payment through other bank accounts
• Setting up automatic payments

Convenient Access Anytime, Anywhere

The mobile banking app provides 24/7 access to your credit card account, allowing you to make payments at your convenience without being restricted by bank operating hours or physical branch locations.

No Transaction Charges

IDFC First Bank does not charge any fees for credit card payments made through their mobile banking app, making it a cost-effective option for managing your credit card bills.

Impact of Timely Credit Card Payments on CIBIL Score

Understanding CIBIL Score and Credit History

Your CIBIL score is a three-digit number that shows your creditworthiness based on your credit history. It plays a crucial role when applying for loans or credit cards , as lenders use it to assess your repayment capability.

Days Past Due (DPD) and Its Significance

Days Past Due (DPD) is an important measure in your CIBIL report. It indicates how many days you've been late with your credit card payments. For example, if your payment is due on the 15th and you pay on the 17th, your DPD will be 2.

A high DPD can have a significant impact on your credit score negatively. If your DPD exceeds 30-60 days, it may be considered a default and could cause your credit score to drop by 50-300 points or more, depending on the severity.

How Mobile Banking Helps Maintain a Good CIBIL Score?

The IDFC First Bank mobile banking app offers features that can help you maintain a good CIBIL score:

1. Payment Reminders: Get notifications about upcoming due dates.
2. Autopay Feature: Set up automatic payments to ensure you never miss a due date.
3. Easy Access: Make payments quickly and conveniently, reducing the chances of delayed payments.
4. Statement Access: Check your credit card statements periodically to stay aware of your outstanding balance and payment obligations.

Tips for Effective Credit Card Payment Management through Mobile Banking

Here are some useful guidelines for making effective IDFC Bank Credit Card payments through mobile banking.

Set Up Autopay for Timely Payments

One of the most effective ways to avoid missing payments is to set up the Autopay feature available on the IDFC First Bank mobile banking app. This ensures that at least the minimum amount due is automatically paid before the due date, protecting your credit score from the negative impact of late payments.

Pay More Than the Minimum Amount Due

While paying the minimum amount due helps to avoid late payment fees and immediate damage to your credit score, it is advisable to pay more than this amount or, ideally, the full outstanding balance. This helps reduce interest accumulation and improves your credit utilization ratio, positively impacting your CIBIL score.

Regularly Monitor Your Credit Card Statements

The mobile banking app allows you to check your credit card statements anytime. Regular monitoring helps you to stay aware of your spending patterns, find out unauthorized transactions, and plan your payments successfully.

Create Payment Alerts

Set up custom alerts on your mobile banking app to receive notifications about upcoming due dates, successful payments, and account activities. These reminders ensure you never miss a payment deadline.

What Steps to take for a Missed Credit Card Payment?

Despite your best efforts, sometimes you might miss a payment. Here's what to do if that happens:

1. Make the Payment Immediately: If you realize you've missed the due date, make the payment as soon as possible to limit additional interest and late payment charges.
2. Contact Customer Service : Reach out to IDFC First Bank's customer service through the mobile app to explain your situation.
3. Check for Payment Confirmation: After making the payment, ensure you receive a confirmation and check your next statement to verify it was processed correctly.
4. Review Your Autopay Settings: Consider setting up or adjusting your automatic payment settings to prevent future missed payments.

Conclusion

IDFC First Bank credit card payments through mobile banking offer a convenient, secure, and efficient way to manage your credit card bills. By utilizing the features available on the mobile banking app, you can ensure timely payments, maintain a good CIBIL score, and avoid unnecessary fees and interest charges. The ease of access, multiple payment options, and automated features make mobile banking an essential tool for responsible credit card management. By staying proactive and leveraging these digital solutions, you can enhance your financial discipline and creditworthiness while enjoying the benefits of your IDFC First Bank credit card . Remember, consistent and timely payments not only help you avoid penalties but also contribute significantly to building a strong credit history, which is invaluable for your future financial endeavors.