How to Find Credit Card IFSC Code for NEFT Payments

Ever wondered what’s an IFSC code? Well, it’s a special code used to identify a bank branch. Every bank branch has its own unique IFSC code. When you send money online, you need this code along with the person’s account number, name and bank branch. It helps make sure your money goes to the right person, safely and quickly. 

Read on to learn more about the IFS code, how it works, how to find it and more.

What is a Credit Card IFSC Code? 

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. 

How to Check Your Credit Card IFS Code? 

You can find your bank’s IFSC information on the official website. You can also call customer care to ask for the relevant information regarding your credit card bill payment. Simply refer to the RBI website to find the required information. 

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

Credit Card IFS Code for Top Banks 

For your reference, here are IFS codes of some top banks for credit card bill payments.  

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

Knowing these top banks’ credit card IFS 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 

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.  

What is the IFS code for the One Credit Card?  

To find the bank details for making credit card bill payments through IMPS or NEFT, you need to download the One Credit Card App. Go to the statement section and scroll to the ‘Details’ option. Here, you will find all the details required to pay the bill via net banking.  

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.  

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.