HDFC Credit Card Bill Payment

HDFC credit card members have two primary options for paying their credit card bills: online and offline. Online options include Bill Desk, NEFT, mobile banking, internet banking, etc. While cheques, ATMs, and over-the-counter cash payments are the offline methods of paying HDFC credit card bills. The steps for making an online or offline payment with your HDFC credit card are listed below.

HDFC Credit Card Online Payment

With several choices for payment, HDFC online payment is very easy. Online payments for your HDFC credit card allow you to pay from anywhere in the world at any time.

HDFC Credit Card Payment through Net Banking

You may simply log in to your account, read your credit card bill, and make payments if you have chosen to use net banking with your HDFC Bank account. You can view past month's bills, check further information, or check your credit card statement. You can log in using your User ID and password and make the payment using your login credentials, no matter if you have a savings or current account. To use Internet Banking to make a payment for your HDFC Credit Card, follow these steps:

  • Enter your customer ID and password to access your HDFC Bank net banking portal.
  • Go to the 'Cards' section to get information about each credit card you have.
  • After choosing the credit card, click "Pay."
  • Choose the amount you want to pay—the minimum amount due or the total amount due; if not, enter your desired amount.

The money will be credited to your HDFC Credit Card Account and debited from your HDFC Bank Savings/Current account once you make the payment.

HDFC Credit Card Bill Payment through Mobile Banking

Any mobile device with an internet connection can be used to access your HDFC account by visiting the HDFC mobile website at m.hdfcbank.com on a mobile browser. By logging in to your HDFC Bank netbanking account with your net banking ID and password, you may make HDFC online payments instantly. To use this service, your online banking needs to be enabled. To pay your HDFC credit card bill via mobile banking, follow these steps:

  • Go to m.hdfcbank.com using a mobile phone.
  • Enter your customer ID and password to log in.
  • Go to the "Cards" area to get information about each credit card you have.
  • Choose the credit card and press the "Pay" button.
  • Enter the desired amount to pay, such as the minimum amount due or the entire amount due.

After payment, the funds will be deposited to your HDFC credit card account and deducted from your HDFC Bank savings or current account.

HDFC Credit Card Bill Payment through HDFC Bank Mobile App

Using the HDFC mobile banking app is an additional useful method of paying with your HDFC credit card. Simply download the app, log in using your customer ID and password to your HDFC Bank netbanking account, and make the payment right away. To pay the bill, you must select "Credit Card Payment" under the credit card option.

  • Enter your customer ID and password to log in, then choose "Credit Card" from the drop-down menu. You may get information on each of your credit cards here.li>
  • Click "Credit Card Payment";
  • Choose the right credit card and account;
  • Choose the amount to be paid (either the minimum amount due or the whole amount due; if not, enter a preferred amount);
  • Click "Pay Bill."

Your HDFC Bank Savings/Current account will be immediately debited of the amount, and your HDFC Credit Card account will be immediately credited.

Using Autopay Option to Pay HDFC Credit Card Bill

You can set up an automatic payment for the auto deduction of the outstanding credit card balance from your HDFC savings account by using the Autopay option. This makes it simple for you to pay your card's monthly minimum or outstanding balance. To avail the Autopay facility, do the following:

  • Open your net banking portal and log in.
  • Go to the cards area to view the credit cards you have registered.
  • Select 'Request' and then 'Autopay Register' from the Credit cards section on the left side of the screen.
  • After that, you would be asked to choose the details.
  • Select 'Continue' and then 'Confirm'.
  • The acknowledgement message would appear on the screen.

HDFC Credit Card NEFT Payment (National Electronic Funds Transfer)

Use the credit card IFSC code to make a NEFT payment on your HDFC Bank credit card bill from any other bank account. In other banks, the instructions could be a little different. But, in most of situations, you have to follow to the similar process listed below:

  • Login to your bank’s net banking portal using your ID and password.
  • Choose NEFT under Funds Transfer.
  • Go to the 'Add Beneficiary' section.
  • Instead of entering the beneficiary's name or account number, enter your credit card number (HDFC0000128), the beneficiary's name on the card, and your credit card number.
  • After the beneficiary has been successfully added, enter the payment amount.
  • Check the information, agree to the terms, and make the payment.

HDFC Credit Card Payment through RTGS (Real-Time Gross Settlement) Using IFSC Code

  • Login to your preferred bank’s net banking portal
  • Choose RTGS under "Funds Transfer"; and add the HDFC Bank credit card as a beneficiary. (The instructions are listed below. If you have already added the card as a beneficiary, move on to the next step.)
    • Beneficiary Account Number will be HDFC Bank’s credit card number
    • Beneficiary Name will be your name as printed on the HDFC Bank credit card
    • Enter HDFC credit card payment IFSC Code – HDFC0000128
  • Choose the HDFC credit card from the beneficiaries list, then input the required payment amount.
  • Check the information, then make the payment.

HDFC Credit Card Bill Payment through Bill Desk

Bills for non-HDFC Bank accounts can be paid at the HDFC Credit Card Bill Desk.

  • Go to the HDFC Credit Card Bill Desk https://www.billdesk.com/pgidsk/pgmerc/hdfccard/index.jsp
  • Type your email address, the amount due, and your 16-digit credit card number.
  • Decide which bank you would like to use to process the payment.
  • The net banking page of that bank will be displayed to you; log in with your ID and password to authorize the payment; and input the OTP that you received on your registered mobile number.

Within three business days, the money will be credited to your HDFC Bank credit card account. If not, you can inquire about the status by contacting HDFC credit card customer service.

HDFC Credit Card Bill Payment through UPI Using HDFC Credit Card Payment IFSC Code

Customers of HDFC may use UPI to pay their credit card bills. IFSC Code and UPI ID or account number are needed to make UPI payments. Users must register before they're able to transfer money using UPI for the first time.

Registration

  • Open the mobile banking app for your bank.
  • Click on UPI under Account.
  • You will be requested to send an SMS to connect your phone.
  • Generate a UPI ID and send it. 9876******@bankname is your mobile number;
  • Decide which account number the UPI ID should be linked to.

Payment

  • Open your mobile banking app;
  • Click Pay;
  • Click UPI Payment;
  • Choose "Send Money";
  • Make a payment using your UPI ID or account number and the IFSC code for your HDFC credit card.
  • Enter the amount, Remarks, and pay the amount.

HDFC Credit Card Bill Payment through VISA CardPay

You can use VISA CardPay to pay your HDFC Bank credit card bill if you have an HDFC Bank account and have set up net banking.

  • Log in with your customer ID and password.
  • Find the option for Third Party Funds Transfer and click on Visa CardPay.
  • Fill in the sender and receiver details.
  • Choose the account you want to use for the payment.
  • Enter your 16-digit credit card number and double-check it.
  • Input the amount you want to pay and confirm the transaction.

After completing the transaction, please note that it may take up to 2 working days for the amount to be credited. Additionally, there is a nominal transaction fee of Rs. 5 charged for using this method for HDFC credit card bill payment.

Note: Only HDFC Credit Cardholders with VISA cards are eligible to make bill payments through VISA CardPay.

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How to Pay Credit Card Bill using Mobile wallets and Payment systems

You can use UPI and mobile wallets like PhonePe, PayTM, Google Pay, MobiKwik, etc. to pay your HDFC credit card bills. We'll review the steps that you have to follow to in order to use UPI or mobile wallets to pay your credit card bills.

Bill Payment through PayTM

  • Go to the website or use the PayTM app.
  • Click 'Credit Card payment' under 'Recharge & Bill Payments'.
  • '+ Pay another card' should be clicked.
  • Input your credit card number and, if you'd like, give it a nickname.
  • After that, you can proceed to finish paying your credit card bill by linking your credit card to your PayTM account.

Bill Payment through PhonePe

  • On your phone, open the PhonePe app.
  • Select 'Credit Card Bill' from the 'Recharge and Pay Bills' menu.
  • After entering your credit card number, select "Confirm."
  • You can pay your credit card bill in full after your credit card is connected to your PhonePe account.

Bill Payment through Google Pay

  • On your phone, open the Google Pay app.
  • Select 'Pay bills' and then 'Credit card bill payment'.
  • Select an HDFC Bank Credit Card from the available choices.
  • Enter your credit card number and give it a nickname.
  • Select 'Link Account'.
  • You can pay your credit card bill whenever you'd like after it's connected to your Google Pay account.

Bill Payment through MobiKwik

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Payment Processing Time for the Various Methods

Payment method Processing time
HDFC Bank Net Banking Within 2 working days
HDFC Bank Mobile Banking Application Within 2 working days
Autopay Within 2 working days
NEFT 24 - 48 business hours
Cheque Payment 3 working days
Non-HDFC Bank Net Banking 2 working days
Non-HDFC Bank Mobile Banking 2 working days Application Within 3 working days
Visa Money Transfer 2 working days
BillDesk 3 working days
Paytm 3 working days
RTGS Instant
BHIM/UPI Instant

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HDFC Credit Card Bill Payment Offline

Demand Draft (DD), cheque, or cash are examples of offline payment methods for those who are uncomfortable using HDFC credit card payment options online. They can select from a variety of options offered by HDFC Bank and pay their bills without any problems. The following are the offline alternatives for paying your credit card bill from HDFC Bank:

HDFC Credit Card Bill Payment by Cash

You can pay your credit card dues in cash at any HDFC Bank branch in your location. Whenever you pay your credit card bill in cash, the bank charges a processing fee of Rs. 100.

HDFC Credit Card Bill Payment through ATM

By making a deposit at any HDFC Bank ATM, you can settle your credit card balance. You can use an ATM to pay off the balance on your credit cards if you have an HDFC Bank savings or current account and transfer the amount of your bill payment from HDFC Bank to your credit card account.

HDFC Credit Card Bill Payment through Cheque

The process for paying with an HDFC credit card is the same as it is for paying with cash. At their ATMs located throughout India, you can deposit your cheque by providing the credit card number and any other necessary information in the drop boxes.

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FAQs on HDFC Credit Card Bill Payment

Customers of HDFC Bank can set up standing orders, which allow frequent transactions to be handled automatically without than requiring the customer to initiate particular transactions each time. Once started, a standing instruction can run automatically for several months or even years at a time.

You can pay the EMI using any of the available options because it is deducted from your monthly credit card balance.

The credit card payment option you select will determine the exact amount of days required for the funds to be credited to your card account. Most methods usually require two to three business days. See the above-mentioned processing schedule.

To avoid paying a fine, you must make the payment by the deadline.

You can use the mobile app site or online banking to view your HDFC credit card bill. Each month, emails containing your credit card bill will be sent by the bank.

If you have registered your card with your HDFC net banking account, go ahead and choose 'Cards' after logging in. Click 'Enquire', 'Account Information', and choose your card from the list below the Credit Cards heading.

A minimum payment of Rs. 200 or 5% of the outstanding balance is required.

Yes, you can use your debit card to pay your HDFC credit card bill. Check all of the payment options listed above.

Yes, you can use the payment options showed below to pay the entire amount due, the minimum amount due, or any amount less than the total amount due.

There is a 20–50 day credit-free period.

Currently, you can use your HDFC debit card and an ATM at an HDFC Bank to pay your credit card bills. You will need to use BillDesk online to make credit card purchases from any other bank. For instance, you can use BillDesk's online payment system to pay for your HDFC credit card using an SBI debit card.

The HDFC Bank credit card payment is cleared in three business days.

Yes, in order to avoid penalties, you are free to pay your bill in any number of installments prior to the due date.

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