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IOB Credit Card Payment

All IOB customers can use online IOB credit card payment service to easily and quickly pay monthly credit card bills. Using the online IOB credit card bill payment facility you can immediately make a payment towards your monthly credit card bill directly from your bank account.


By using the online bill payment service you can pay your outstanding bill immediately. You do not have to write a cheque and submit it in the branch or ATM. Just by downloading our mobile app, you can instantly pay your monthly IOB credit card bill. This online credit card bill payment process saves you a lot of time which otherwise goes in writing and submitting cheque and is extremely easy to follow every month.


You also don’t have to have a bank account with Indian Overseas Bank for credit card payment. We support more than 150 banks in India whose account you can use for paying your credit card bill. So no matter which bank you bank with, you can easily use the online IOB credit card payment facility to pay your monthly credit card bill.


Once you pay your bill, you will receive an SMS and email communication from IOB confirming your bill payment.


Benefits of online credit card payment service:
  1. Instantly pay IOB credit card bill online
  2. IOB credit card bill payment from any bank account. You don’t have to have a bank account with IOB
  3. Support for more than 150 banks for credit card bill payment. Any bank account can be used
  4. All IOB credit card types including Classic, Platinum, Signature, etc. supported for credit card bill payment
  5. All card schemes including Visa, MasterCard, American Express, Diners Club and RuPay supported for credit card bill payment
  6. Instant confirmation of Indian Overseas Bank credit card payment
  7. You can pay a bill of upto Rs. 1,00,000 at a time. If your bill amount is more then you can initiate multiple credit card bill payment transactions
  8. Credit card payment facility is available 24x7, 365 days a year
  9. IOB credit card bill payment service can be used on all Saturdays, Sundays and even bank & public holidays
  10. Instantly receive SMS from Indian Overseas Bank once bill payment is done

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How to pay IOB credit card bill online:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your bank account
  3. Select banks where you hold savings or current account
  4. All your bank accounts will be registered
  5. Generate a secure banking PIN for your bank account
  6. Select Credit Card bill payment
  7. Select IOB as Credit Card bank
  8. Enter your credit card number
  9. Enter credit card bill amount
  10. Choose bank account from where you would like to pay
  11. Enter your banking PIN
  12. Money will be debited from your bank account and your Indian Overseas Bank credit card bill will be paid immediately
  13. You’ll get SMS from IOB about your credit card payment

Online IOB credit card payment is a very simple process and you can immediately start using it to pay your bills.

IOB Credit Card Payment Services features


Online payment of credit card bill

IOB offers an online credit card bill payment facility using which you can pay your monthly credit card bills immediately from your mobile. This service allows you to save time as you don’t have to write a cheque and submit it in the branch or ATM. You can use our app and pay your IOB credit card bill online.

Instant payment confirmation

Typically if you pay your IOB credit card bill by cheque, it will take upto 3 days for your bill to get settled. But if you use the online Indian Overseas Bank credit card payment service then you can immediately make a payment towards your monthly bill directly from your bank account.

Pay bill from your bank account

For paying your bill online, you don’t have to have an account with IOB. You can pay your credit card bill from any bank account. For IOB credit card payment, we support more than 150 banks whose account you can use to settle your bill.

All card types and card schemes supported

Online bill payment service is available for all IOB card types including Classic, Platinum, Signature, etc. We also support all card schemes such as Visa, MasterCard, American Express, Diners Club and RuPay for credit bill payment.

High transaction limit

Using our app, you can pay Indian Overseas Bank credit card bill up to Rs. 1,00,000 per transaction. If your bill amount is higher then you can make multiple transactions.

24x7 service

You can use online IOB credit card payment service 24x7 throughout the year and make a payment towards your bill whenever you want.

IOB Credit Card Bill Payment Service benefits

There are many benefits to using online IOB credit card bill payment service such as:

Time saving: Using online IOB credit card payment service you can immediately make your credit card bill payment, without writing a cheque and submitting it in the branch or ATM. This helps you save a lot of time.

Easy access: Indian Overseas Bank credit card payment facility is completely online and can be used 24x7, throughout the year.

Security: It is a 100% safe and secure service and all payments are made only from your bank accounts.

Multi Purpose: In addition to making IOB credit card payments, you can also transfer funds to your friends or family, recharge your mobile / DTH, pay electricity / gas bill, buy insurance, book fixed deposit, buy mutual fund, etc.

Security of Online Credit Card Bill Payment Service

IOB credit card payment service is 100% secured in the following manner:

  1. Your bank accounts are linked to your mobile number and can be added only in your phone. No one else can add your bank accounts
  2. After adding bank accounts you have to create a secure banking PIN using your bank debit card
  3. Using this secure banking PIN only, you can pay your IOB credit card bill. You cannot pay your bill without this PIN
  4. For further security, you can create an app password so that no one can even open the app
  5. For enhanced security, you can create a PIN or pattern lock for your phone so that no one can open your mobile

Credit Card Payment Service Timing

  • You can use IOB credit card payment service on all days, including Saturday and Sunday
  • You can use the service at night as well
  • The service works on bank holidays and public holidays also
  • One can use the bank’s credit card bill payment service throughout the year

Eligibility for online Credit Card Bill Payment service

If you would like to use IOB credit card bill payment you have to meet the following requirements:

  • You must have a savings or current account with IOB
  • Your mobile number must be registered with IOB
  • You must have Android or iPhone mobile phone
  • You must have an internet connection either via SIM card or WiFi

Limitations of Online Balance Check Service

Please keep in mind the following limitations of online credit card payment service:

  • Without your mobile number being registered in your bank account, it will not work
  • It will not work if you do not have an Android or iPhone mobile phone
  • It will not work if you do not have an active internet connection

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