Credit Card IFSC Code: Meaning, How to Check & Find It 

This guide explains what a credit card IFSC code is, how it differs from your regular bank IFSC code, and how it works when you pay a credit card bill via NEFT. You will also find a verified list of credit card IFSC codes for major Indian banks, the documents you need for the payment, and bank-specific rules on processing time and charges. Read time: about 6 minutes. 

Trying to clear your credit card bill from a different bank account and stuck on which IFSC code to enter? You’re not alone. Most cardholders only ever use their savings account’s IFSC code, so the idea of a separate code just for credit card payments can be confusing the first time you see it. Here’s the short version: when you pay a credit card bill via NEFT or IMPS from a bank account that isn’t linked to your card, you need a special IFSC code that routes the payment to your card issuer, not your regular bank branch. 

Read on to learn what a credit card IFSC code is, how it’s different from a debit card’s linked bank IFSC, how to find and check it, and what details you need on hand before you make the payment. 

DID YOU KNOW? 

A credit card IFSC code is different from your own bank account’s IFSC code – using the wrong one can delay or misdirect your payment. 

What is IFSC Code in Credit Card? 

A credit card IFSC code is a special code used when you’re making payments toward your credit card from a bank account. Just like you use an IFSC code to transfer money between two bank accounts, this code helps route your payment correctly to the credit card provider’s account. 

Each bank has a different IFSC code for credit card bill payments, and it’s important to use the right one, especially when you’re paying through NEFT or IMPS. Using the correct code ensures your payment goes to the right place without any delay. 

The code follows the same 11-character structure as a regular bank IFSC: the first 4 characters identify the bank, the 5th character is always zero (reserved for future use), and the last 6 characters identify the specific branch or division that processes credit card payments. Take ICICI Bank’s credit card IFSC, ICIC0000103, as an example: ‘ICIC’ identifies ICICI Bank, the ‘0’ is the reserved filler character, and ‘000103’ points to the specific branch that handles the bank’s credit card NEFT payments, rather than any of its regular savings account branches. 

IFSC Code on Debit Card vs Credit Card 

Debit cards don’t have a separate routing IFSC code the way credit card bill payments do. This is because a debit card is directly linked to your savings or current account, and money moves in and out of that account itself. So when someone searches for the “IFSC code on a debit card”, they usually mean the IFSC code of the bank branch where their linked account is held, which is printed on their chequebook, passbook or account statement. A credit card, on the other hand, isn’t linked to your bank account in this way. It has its own outstanding balance, so paying it from another bank requires the credit card provider’s dedicated IFSC code, not your account’s. 

How to Check Your Credit Card IFSC Code? 

1. Check the bank’s official website, usually under the ‘Pay Credit Card Bill’ or ‘NEFT/IMPS Payment’ section 

2. Log in to the bank’s net banking portal or mobile app, where the code is often listed while adding your card as a beneficiary 

3. Call the bank’s customer care number and ask for the credit card NEFT IFSC code 

4. Refer to the RBI website, which lists all bank branch IFSC codes registered for NEFT and RTGS 

5. Check your credit card statement, where some issuers print the IFSC code under ‘payment instructions’ 

How Does a Credit Card IFSC Code Work? 

A credit card IFSC code works the same way a regular IFSC code does, just for a different kind of account. When you add your credit card as a beneficiary using this code, your bank’s NEFT system reads the code to identify the exact department or branch of the card-issuing bank that processes credit card payments. Your 16-digit card number takes the place of an account number, and your name as printed on the card is used as the beneficiary name. Once the beneficiary is added and the standard cooling-off period passes, usually 30 minutes to a few hours, you can initiate the NEFT transfer like any other fund transfer. The bank’s core banking system then uses the IFSC code to route your payment specifically to the credit card processing unit, which matches it to your card account using the card number and credits your outstanding bill. 

What Details Do You Need to Pay a Credit Card Bill via IFSC/NEFT? 

• Name as it appears on the card 

• Credit card number (used in place of the account number) 

• Bank name 

• Account type (usually ‘Current’ or ‘Credit Card’, depending on what the paying bank’s form asks for) 

• IFSC code for the credit card 

• Branch address of the credit card processing branch 

Difference Between Credit Card IFSC and Bank IFSC Code 

Here’s a simple breakdown that shows the key differences: 

Features	Bank IFSC Code	Credit Card IFSC Code
Purpose	Used for sending/receiving money to a bank account	Used for paying credit card bills
Linked to	Savings or current bank account	Credit card account
Used In	NEFT, RTGS, IMPS fund transfers	NEFT/RTGS payments made to credit card
Example Use Case	Sending rent to landlord’s bank account	Paying your credit card bill from another bank
Where to Find It	Bank passbook, cheque book, or bank website	Bank’s credit card bill payment section or website
Format	11-character alphanumeric code: 4-letter bank code + ‘0’ + 6-character branch code, denoting a physical branch	Same 11-character format, but the 6-character branch code denotes the bank’s dedicated credit card processing unit, not a regular branch

Credit Card IFSC Code for Top Banks 

For your reference, here are IFS codes of some top banks for credit card bill payments, verified against each bank’s own NEFT payment instructions where available: 

Bank	IFSC Information
Axis Bank	UTIB0000400
Canara Bank	CNRB0001912
Citibank India	CITI0000003
HDFC Bank	HDFC0000128
ICICI Bank	ICIC0000103
IDBI Bank	IBKL0NEFT01
Kotak Mahindra Bank	KKBK0000958
Punjab National Bank	PUNB0112000
State Bank of India	SBIN00CARDS
IndusInd Bank	INDB0000131
YES Bank	YESB0CMSNOC

WATCH OUT 

IFSC codes can be revised by banks over time. Always cross-check the code against your card issuer’s official site or app before making a payment. 

Credit Card IFSC Code Rules and Regulations by Bank 

NEFT processing time, charges and cut-off timings for credit card bill payments vary slightly by issuer. Here’s what to expect from a few major banks: 

• HDFC Bank: NEFT payments are typically credited within 1 working day, though it can take up to 3 working days in some cases. HDFC does not charge a fee for receiving NEFT payments, though a cash payment at a branch may attract a ₹100 processing fee 

• State Bank of India (SBI): NEFT payments generally reflect in the credit card account within about 3 working hours on a business day. There is no cap on the amount you can transfer in a single NEFT payment 

• Axis Bank: Payments made via NEFT are usually processed within 1 working day. The remitting bank (the one you’re paying from) may charge its own NEFT fee, though Axis Bank does not charge for receiving the payment 

• ICICI Bank: NEFT payments are typically credited within 1-2 working days. A cash payment made at an ICICI Bank branch may attract a ₹100 processing fee, while NEFT itself is usually free of charge from ICICI’s side 

These timelines and charges can change, and remitting bank fees vary too, so it’s worth checking your specific issuer’s latest terms before you rely on a same-day credit. 

Knowing these top banks’ credit card IFSC codes, you can easily pay your bill on time with NEFT payments. While this option is useful, most issuers allow you to pay and manage your credit card bill on their mobile app. One such card is the Fibe Axis Bank Credit Card. 

It is India’s first numberless credit card that provides you with extra security. Loaded with benefits, this card is your one-stop solution for all your financial requirements. One such benefit is no annual and joining fees, which allows you to save on hefty payments to keep your credit card active. 

Additionally, you can easily manage and monitor your credit card activities on the Axis Bank Mobile App. With this credit card, you can enjoy up to 3% cashback on all your online and offline transactions. It is a UPI-based credit card which allows you to make streamlined payments instantly. 

Its other benefits include annual complimentary domestic lounge visits at the airport, dining benefits and a 1% surcharge waiver. Download the Fibe App from the Google Play Store or App Store to apply now! 

FAQs On Credit Card IFS Code 

1.  What is the IFS code on a card? 

You cannot find your bank’s IFS code on the card. However, you can find the information on your cheque leaf issued by the bank. 

2.  Whose IFS Code is UTIB0000400? 

It is the code for the Axis Bank Mumbai branch. You can use this detail to make a bill payment for your Axis Bank-issued credit card. 

3.  What is the code for a credit card? 

The card security code or the Card Verification Value (CVV) is different from your IFS code on the card. It is a 3-4-digit code on the back of your card, which helps you make secure payments online and offline. It is also called a CVV code. 

4.  Can I use my debit card’s IFSC code to pay my credit card bill? 

No. Your debit card’s IFSC code belongs to the branch where your linked bank account is held, and it will not route your payment to your credit card provider. You need the credit card issuer’s dedicated IFSC code, which is different from your own bank’s IFSC code. 

5.  What happens if I enter the wrong IFSC code while paying a credit card bill? 

The payment may fail, get delayed or, in some cases, get credited to the wrong branch or account. If this happens, contact your remitting bank immediately with the transaction reference number to try to trace and reverse the payment. 

6.  Is the credit card IFSC code the same across all branches of a bank? 

Yes. Unlike a regular bank IFSC code, which differs from branch to branch, a bank’s credit card IFSC code stays the same nationwide, since all credit card NEFT payments are routed to one dedicated processing branch or division, regardless of where the cardholder lives.