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IOB Credit Card Payment

Online IOB credit card payment facility is being offered by IOB to all its customers who want to easily and quickly pay their monthly credit card bills. The online IOB credit card bill payment service enables you to pay your outstanding credit card bill directly from your bank account.


There are multiple benefits of using online service but the most important one is about saving time. By using this online credit card payment service you can easily pay your monthly IOB credit card bill online instead of writing a cheque and submitting the same in the branch or ATM. This helps you save a lot of time as you can pay the credit card bill easily on your mobile. You just have to download our mobile app and can immediately pay your credit card bill.


For making bill payment you can use your bank account. We support more than 150 banks in India whose bank account you can use to pay your Indian Overseas Bank credit card bill. You do not need to have a bank account with IOB for credit card payment. You can pay your bill from any bank account.


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


Features of online credit card bill payment facility:
  1. Immediate payment of Indian Overseas Bank credit card bill online
  2. Use any bank account to make a payment towards your IOB credit card bill. We support more than 150 banks whose account you can use for bill payment
  3. All IOB credit card types including Classic, Platinum, Signature, etc. supported for credit card payment
  4. All card schemes including Visa, MasterCard, American Express, Diners Club and RuPay supported for credit card payment
  5. Instant confirmation of bill payment
  6. You can pay IOB credit card 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
  7. You can pay your bill 24x7, 365 days a year
  8. IOB credit card payment service works on all Saturdays, Sundays and even bank & public holidays
  9. 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 service offered by the bank can be used to easily pay your monthly credit card bill from your bank account.

IOB Credit Card Payment Services features


Online payment of credit card bill

Using the online IOB credit card payment service you can pay your credit card bill immediately. You don’t have to write a cheque and submit it in the branch or ATM. You can use our mobile app to pay your IOB credit card bill online.

Instant payment confirmation

Unlike cheques where it takes upto 3 days for the bill to get settled, payment via our app is immediate and your Indian Overseas Bank credit card bill is paid instantly.

Pay bill from your bank account

For making IOB credit card payment you can use your bank account. We support savings and current accounts of more than 150 banks in India and you can use any bank account to make a payment towards your IOB credit card bill.

All card types and card schemes supported

No matter which IOB credit card you hold such as Classic, Platinum, Signature, etc. you can make its bill payment via our app. We also support all card schemes such as Visa, MasterCard, American Express, Diners Club and RuPay.

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

IOB credit card payment service is available 24x7 and you can use our app to make bill payment whenever you want.

IOB Credit Card Bill Payment Service benefits

Advantages offered by online IOB credit card bill payment:

Time saving: By using an online IOB credit card payment facility, you can save a lot of time which is otherwise spent in writing a cheque and submitting in the branch or ATM. Also, when you pay your bill via cheque it takes 3 days for your bills to get settled whereas using online credit card payment service you can pay your bills instantly.

Easy access: As this is an online service, you can access Indian Overseas Bank credit card payment service whenever you require. It works 24x7.

Security: The bill payment service is 100% safe and secure. All payments are made only from your bank accounts.

Multi Purpose: There are multiple online facilities available for payment including credit card bill payment, fund transfer to friends or family, mobile / DTH recharge, electricity / gas bill payment, insurance buying, fixed deposit booking, mutual fund buying, etc.

Security of Online Credit Card Bill Payment Service

100% security for IOB credit card payment service is ensured 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. For doing transactions, you have to create a secure banking PIN using your bank debit card
  3. Only by using this secure banking PIN can you pay your IOB credit card bill. You cannot pay your bill without this PIN
  4. For further security, you can set an app password so that no one can even open the app without your knowledge
  5. For enhanced security, you can set a PIN or pattern lock for your phone so that no one can open your mobile without your knowledge

Timing of Credit Card Payment Service

  • 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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