IDFC Bank is one of the fastest-growing banks in India, providing customers with innovative financial services. One of their most popular offerings is the IDFC credit card, which comes with a host of attractive features and benefits. However, with great rewards come great responsibilities. Customers need to ensure timely and hassle-free payments for their credit card bills to avoid late fees and interest charges.

One can pay their credit card bill using the BBPS platform on Bajaj Finserv. Bajaj Finserv uses the BBPS platform to make paying bills easier for customers. It is like a one-stop shop for hassle-free and straightforward bill payments.

Credit card billers across India


Apart from IDFC Bank, Bajaj Finserv also allows you to pay credit card bill for other providers as well such as ICICI Bank, SBI Bank, Citi Bank, HDFC Bank, Axis Bank and more.

Benefits of making IDFC Bank credit card payment online on Bajaj Finserv


When paying for your IDFC Bank credit card bill through the Bajaj Finserv BBPS platform, you can avail of the following benefits:


Quick and hassle-free

With Bajaj Finserv BBPS platform, you can pay your IDFC Bank credit card quickly and effortlessly.


Safe and secure

Bajaj Finserv provides a safe and secure payment platform on BBPS. Your payment details are secure with the platform’s robust security measures.

Multiple payment options

Bajaj Finserv offers multiple payment options, including debit card, credit card, net banking, e-wallet, and UPI. This allows you to choose the payment method that suits you best.

Instant confirmation

After making the payment, the platform immediately confirms the payment through an email and SMS.


Steps to view and download IDFC Bank credit card bill online on Bajaj Finserv

Follow these procedures to view and download your IDFC credit card bill online using the Bajaj Finserv BBPS platform:

1. Download the Bajaj Finserv app from Google Play Store or App Store
2. Open the app on your mobile phone
3. Enter your 10-digit mobile number to 'GENERATE OTP'
4. Enter the OTP and click on 'PROCEED'
5. Under the ‘FINANCIAL SERVICES AND TAXES’ section, select ‘CREDIT CARD BILLS’
6. Choose your credit card issuer
7. Enter your credit card number and click on ‘FETCH YOUR BILL’

You can now view your credit card bill. Also, you can download the same in PDF format.


Understanding the IDFC First Bank credit card billing cycle

Billing cycle

The billing cycle is like a timeline, it is the period when your credit card transactions are summed up for your monthly bill. It is like a report covering what you've spent in that timeframe.

Cycle of payment

Suppose your credit card due date is on the 4th of each month. In this case, the billing cycle kicks off from the 5th of the previous month and goes on until the 3rd of the next month.

In simple terms, it is as if your spending gets documented from the day after your due date until just before the next one.

Late payment charges and interest rates for IDFC Bank credit card bills

	JLG	MHL	MEL	RPL	CV	TW	UC	NC	CD
EMI bounce charges per presentation*	Nil	Nil	Rs. 400/- + GST	Rs. 400/- + GST	Rs. 400/- + GST	Rs. 400/- + GST	Rs. 400/- + GST	Rs. 400/- + GST	Rs. 400/- + GST
Late payment/ Penal charges/ Default interest/ Overdue (per month)	Nil	Nil	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST	2% per month of unpaid EMI or Rs. 300, whichever is higher+GST
Cheque Swap charges (per swap)*	Nil	Nil	Rs. 500/-+GST	Rs. 500/-+GST	Rs. 500/-+GST	Rs. 500/-+GST	Rs. 500/-+GST	Rs. 500/-+GST	Rs. 500/-+GST
Foreclosure/ Prepayment charges*	Nil	Nil	4% of the principal outstanding amount + GST (as applicable)	4% of the principal outstanding amount + GST	5% of the principal outstanding amount + GST	5% of the principal outstanding amount + GST	5% of the principal outstanding amount + GST	5% of the principal outstanding amount + GST	5% of the principal outstanding amount + GST
Duplicate no objection certificate issuance charges*	Nil	Nil	Nil	Nil	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST
Physical repayment schedule *	Nil	Nil	Nil	Nil	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST
Physical statement of account*	Nil	Nil	Nil	Nil	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST
Document retrieval charges (per retrieval)*	Nil	Nil	Nil	Nil	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST
EMI Pickup/ Collection Charges*	Nil	Nil	Rs. 500 /-	Rs. 500 /-	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST	Rs. 500/- + GST
Easy Buy Card replacement fee (If Easy buy card applicable)	Nil	Nil	Nil	Nil	Rs. 100/- + GST	Rs. 100/- + GST	Rs. 100/- + GST	Rs. 100/- + GST	Rs. 100/- + GST
EBC and Push card fee(if applicable)	Nil	Nil	Nil	Nil	Rs. 99/- + GST	Rs. 99/- + GST	Rs. 99/- + GST	Rs. 99/- + GST	Rs. 99/- + GST

Fees and charges

A convenience fee of up to 2% will be charged depending on the transaction amount and payment mode (inclusive of applicable taxes). For more information on fees and charges, click here.

Note: For failed transactions, the total amount including charges except taxes are reversed.