The IDBI bank is a commercial bank. They offer banking services and financial solutions for their customers. The IDBI Bank is a high performing bank with core IT platform. It was started on April 2nd, 2005.
It offers various banking products and services.
Credit card and its uses
A credit card is a financial tool that has revolutionized the way people shop and travel. The thinner wallets have replaced the fully loaded fat wallets people carry for shopping and during travel. The single card will enable you to buy the things you want and also gives you the convenience to pay later. However, it has to be handled with care. You will have to make the payment before the due date to ensure that you do not incur default charges that are quite high.
Payment using the online method
Making a payment using Net Banking
You can make payment for the credit card online if you have a good NET facility. But to make online payments, you should also have opted for net banking when you opened a savings account in the IDBI Bank. But, if you have not done so, you can apply for net banking at any time. The first step to initiate payment through netbanking is to visit the official website of the bank, which is https://www.idbi.com/ and enter the net banking facility by logging in with your credentials. Once you enter the page, you will have to click on the credit card payment option on the tab and click on it. Then you can make the payment from your IDBI savings account.
Making payment using the mobile banking facility
This is possible if you can install the IDBI Bank App on your mobile phone. Once the app has been installed, you should log in to the menu using your credentials. Then you should click on the Credit card payment option in the menu. Then you can make your payment. The payment platform is very secure. You need not have to worry.
Auto pay option
When you decide to pay utility bills etc of a repetitive type for which the amount would be almost similar, you can opt for the auto-pay option. This means giving standard instructions to the bank to auto-debit the said amount at the said time. This will ensure that you pay the credit card dues on time. Yet you need not have to take the trouble to visit the website and make a payment each time.
Payment Using Offline method
Making payment using cash
This is the conventional method. For this, you will have to visit the IDBI bank branch that is closest to you. Then you can make payment for the credit card using cash. But it may incur a payment of RS 100 plus a service tax. Therefore, this is an option to use only when you do not have net facilities or cannot even access it.
Making Payment Using Cheque
This is also done by visiting the IDBI branch that is closest to you. You can write a cheque fill in the credit card number and other details and hand it over to the bank official or put it in the dropbox. But this type of payment will at least take 3 days. Therefore, it is important to make the payment ahead of time.