Individuals and businesses can access banking services anywhere, anytime through mobile banking. They can save time receiving money or processing payments with a banking app. If you have a smartphone, you can bank on the go using a mobile banking app. It helps you carry out banking activities round-the-clock by reviewing account history, checking account balances, making payments, transferring funds, and managing credit cards remotely.
IDFC FIRST Bank offers you the most advanced net banking app to help manage your finances securely and easily. Most people, including professionals, find it difficult to manage their personal finances. They may find it challenging for a lack of clarity on their credit use or have a little time left between their job and family to concentrate. IDFC FIRST Bank is one of the best Internet banks that help you manage your credit.
Banks offer you credit cards to help you finance your purchases and have quick money during an emergency. If you can use your credit card responsibly, pay your bills on time, and use the rewards, coupons, and bonuses for purchases, you can build credit and achieve your financial goals. The credit card net banking facility from IFDC FIRST Bank helps you use your credit cards efficiently and save interest on the money utilized. The bank’s mobile banking app can help you:
- Keep a track of credit card transactions
IDFC FIRST Bank offers smart tools on its mobile banking app to help you budget and save money. The app helps you to view your recent and past credit card transactions. This helps you do a credit card balance check and track your spending on credit cards of IDFC FIRST Bank or other banks. You can use the filters to categorize the transactions based on the amount, date, or expense heads and analyse them. The income and expenses analyser on the app helps monitor your expenses and keep a check on your spending.
- Receive credit card transaction alerts
You can sign up for credit card transaction alerts through text messages or emails. With the help of alerts, you can track spending and detect any fraudulent activity immediately.
- Make credit card bill payments on time
The IDFC FIRST Bank mobile banking application helps you make on-time payments of your credit card bills. To make sure that your credit card bills are paid on time, you can use the app to schedule the payments. You can do a quick online transfer of funds through any payment method like NEFT, IMPS, RTGS, or BHIM UPI.
The Internet payment option allows you to make an ad hoc payment, which is paying a fixed amount every month on a scheduled date. The other option is paying the entire amount due by setting up ‘AutoPay’.
- View your credit card statements
If you want to have a detailed study of your credit card statement, you can import and view all credit card statements on the IDFC FIRST Bank mobile banking app. The account summary gives you a quick view of the transactions like credits, purchases, payments, interest and fees, cash withdrawals, outstanding dues, and balance transfers.
- Increase your credit limit
Every credit card has a set credit limit, and you can shop and avail of credit within this amount. Banks allow you to have an increased credit limit on request. However, it depends on your payments, credit score, and personal circumstances.
- Block your credit card temporarily
If your credit card is stolen or lost, you can block it on the IDFC FIRST Bank mobile app. Later, you can unblock and use it.
In conclusion, you can manage your credit cards easily by linking them to the IDFC FIRST Bank mobile banking app. With the credit card net banking facility, you can have easy access to all the credit card information, including the reward points and their redemption.
