IDFC FIRST Bank Credit Card Bill Payment: 6 Ways in 2026

Every way to pay your IDFC FIRST Bank credit card bill — NetBanking, UPI, mobile app, NEFT, cheque, cash. Reference numbers, IFSC details, and the fastest method per use case.

6 ways to pay your IDFC FIRST credit card bill

  1. NetBanking — https://www.idfcfirstbank.com/personal-banking. Login → Cards → Pay Bill. Instant credit, no fee.
  2. UPI — pay to idfcfirst.cc<card-no>@idfcfirst from BHIM / PhonePe / GPay / Paytm. Instant credit. ₹0 MDR for personal payments below ₹2L.
  3. Mobile app — IDFC FIRST Mobile Banking / MobiKwik IDFC FIRST. Download from Play Store / App Store. Login with your registered mobile.
  4. NEFT / IMPS from another bank — beneficiary: your 16-digit card number. IFSC: check the back of your card or your statement. Credits in 2-30 minutes.
  5. Cheque / DD — Drop at any IDFC FIRST branch — payee 'IDFC FIRST Bank Credit Card <card no>'. Allow 3-5 working days for credit.
  6. Branch payment — Any IDFC FIRST Bank branch. Same-day credit.
  7. Auto-pay — Standing instruction via IDFC FIRST Mobile. Set to "full statement balance" to avoid all interest charges.

Numbers and contact methods sourced directly from IDFC FIRST Bank's public help pages. The bank may update contact options without notice — verify on the bank's official website before any financially sensitive action.

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FAQ

How do I pay my IDFC FIRST Bank credit card bill?
Six options for IDFC FIRST Bank credit card payment: NetBanking via https://www.idfcfirstbank.com/personal-banking; UPI via idfcfirst.cc<card-no>@idfcfirst; IDFC FIRST Mobile Banking / MobiKwik IDFC FIRST; NEFT/IMPS from any bank to the credit-card number as beneficiary account; cheque/DD drop at any IDFC FIRST ATM or branch; cash payment at any IDFC FIRST branch. Auto-pay is also available via standing instruction.
Can I pay my IDFC FIRST credit card bill from another bank?
Yes. Use NEFT or IMPS from your other bank's NetBanking, with the beneficiary set as the 16-digit credit card number and IFSC of your IDFC FIRST card-issuing branch (check the back of your card or your statement). UPI also works — pay to the VPA idfcfirst.cc<card-no>@idfcfirst from BHIM / PhonePe / Google Pay / Paytm. Payments via UPI typically credit instantly; NEFT/IMPS within 2-30 minutes.
What is the IDFC FIRST credit card UPI handle for bill payment?
IDFC FIRST accepts UPI bill payment via idfcfirst.cc<card-no>@idfcfirst. Replace <card-no> or <last4> with the relevant digits from your physical card. UPI payments below ₹2 lakh credit instantly with zero MDR to the cardholder.
How do I set up auto-pay on my IDFC FIRST credit card?
Standing instruction via IDFC FIRST Mobile
What if I can't access IDFC FIRST NetBanking or app?
Fall back options: (1) walk into any IDFC FIRST branch with cash + your card. (2) Drop cheque/DD at any IDFC FIRST ATM (24×7). (3) NEFT/IMPS from another bank via the beneficiary route above. (4) Call 1860 500 1111 / 022 6248 5151 — IVR allows payment via UPI link sent over SMS.
RBI regulatory notice

Regulated by Reserve Bank of India.

Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.

Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.

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