Ever wondered what an IFSC code is? It is a unique identifier for a specific bank branch used in electronic funds transfers. Whenever you send money online, you need the recipient’s account number, name, branch and IFSC code. This combination ensures your payment is routed correctly, securely and quickly.
Read on to understand what an IFSC code is, how credit card IFSC codes work, how to find them and other useful details.
What is a Credit Card IFSC Code?
A Credit Card IFSC code is the IFSC identifier used when making payments toward a credit card from a bank account. Similar to transferring funds between two savings or current accounts, this code helps route your payment to the credit card issuer’s designated account.
Banks may provide a specific IFSC code or a designated beneficiary account for credit card bill payments. Using the correct code is important, particularly for NEFT, RTGS or IMPS transfers, to ensure your payment posts without delay.
How to Check Your Credit Card IFSC Code
You can locate the correct IFSC details for credit card payments in several places: the issuing bank’s official website, the credit card statement or payment section in the card issuer’s mobile app, or by calling customer care. The Reserve Bank of India (RBI) site also lists IFSC codes for bank branches if you need to verify information.
Difference Between Credit Card IFSC and Bank IFSC Code
Below is a concise comparison of the main differences between a standard bank IFSC and a credit card IFSC:
| Features | Bank IFSC Code | Credit Card IFSC Code |
|---|---|---|
| Purpose | Used for sending or receiving money to a bank account | Used specifically for credit card bill payments |
| Linked to | Savings or current bank account | Credit card account or issuer’s designated beneficiary account |
| Used in | NEFT, RTGS, IMPS transfers | NEFT/RTGS/IMPS payments to settle credit card bills |
| Example use case | Sending rent to a landlord’s bank account | Paying a credit card bill from another bank |
| Where to find it | Passbook, cheque book, bank website | Card issuer’s payment section, statement, or website |
Credit Card IFSC Codes for Top Banks
Here are example IFSC codes used for credit card bill payments by some major banks. Always verify the exact details with your issuer before making a transfer.
| 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 commonly used IFSC codes makes it easier to complete NEFT payments for credit card bills. Keep in mind many issuers also provide in-app or online payment options that simplify the process without needing NEFT details.
When using alternative payment methods or apps, confirm the beneficiary details and reference information required by your card issuer so your payment is credited to the correct account and statement.
FAQs on Credit Card IFSC Code
What is the IFSC on a card?
The IFSC is not printed on the physical credit card. You can find IFSC details on your cheque leaf, bank passbook, credit card statement, or the issuer’s website or app.
How do I find the IFSC for the One Credit Card?
To locate bank details for making credit card bill payments via IMPS or NEFT for One Credit Card, open the One Credit Card app, go to the statement or payment section, and look under “Details” for the beneficiary and IFSC information.
Whose IFSC is UTIB0000400?
UTIB0000400 is an IFSC associated with Axis Bank’s Mumbai processing unit often used for card payments. Verify with Axis Bank or your card statement before transferring funds.
What is the code on a credit card?
The code on the card that is commonly referenced for online payments is the Card Verification Value (CVV), not the IFSC. The CVV is a 3- or 4-digit security code on the back of the card used to authorize card-not-present transactions.