There are two main ways to make your HDFC credit card payment, online or offline. The process for paying the bill will differ based on your choice of payment mode. All the online and offline bill payment options are discussed below.
How to do HDFC credit card payment online?
There are multiple options for paying HDFC credit card bills online. These include:
HDFC credit card payment through netbanking
There are certain prerequisites to paying your HDFC credit card bill through net banking. Firstly, you need an HDFC bank account to use this payment mode. If you have it, you must link it with your credit card to use the net banking mode of bill payment for your credit card. These are the prerequisites; now, let’s see the steps needed to make the bill payment.
- Log in to the net banking portal of your HDFC bank account.
- Click on the “Credit Cards” option from your dashboard.
- Under the “Credit Cards” section, click on the “Transact” option.
- Select “Credit Card Payment” followed by “Select Card Payment Type” and click on Continue.
- On the next page, select “From account and the credit card number.”
- Lastly, select Last Statement Balance, Minimum Amount Due, or Other Amount to Continue and confirm your HDFC credit card bill payment through net banking mode.
HDFC credit card payment through autopay
The autopay feature allows your credit card to charge your HDFC bank savings account monthly for the outstanding amount. As you can imagine, you will need an HDFC bank savings account to set up the process. If you already have that, here are the steps to set up the autopay.
- Log in to your bank account through the net banking portal.
- Visit the cards section from your dashboard.
- Locate the credit card option and click on it. You will be able to see all your registered credit cards under this section.
- On the credit cards page, you will find the option for “Autopay Register” click on it.
- Fill up the details correctly on the following page and click “Continue” and “Confirm.” Once you click on “Confirm,” you will be greeted by an acknowledgement message on-screen letting you know that the Autopay Registration is complete.
You can also opt for Autopay registration through an offline process. Here are the steps for offline autopay registration.
- You have to download the autopay registration form from the official HDFC bank website from this link.
- Print out the form and duly fill out all the details.
- Then you have to mail the form to the following address:
The Manager
HDFC Bank Cards Division
PO Box 8654, Thirucanmiyur,
PO, Chennai 600 041.
- Once your mail is successfully sent and received, your autopay facility will be started within seven days from the receipt of your mailed application.
HDFC credit card payment through mobile banking application
Paying your credit card bills through your bank’s mobile banking applications is perhaps one of the easiest ways to pay your credit card bills. Simply ensure your bank account and credit cards are linked on your mobile banking application, and follow these simple steps.
- Login to your HDFC Mobile Banking Application on your phone.
- Click the “Pay” option from the home screen.
- Select the amount you want to pay based on your dues.
- Click on the complete payment option, and you are done clearing your credit card dues.
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HDFC credit card payment through NEFT
To pay your HDFC Bank credit card bill from any other bank account through NEFT using the credit card IFSC code, you can follow these general steps:
- Log in to your bank’s net banking portal using your ID and password.
- Navigate to the Funds Transfer section and select NEFT.
- Proceed to the ‘Add Beneficiary’ or ‘Add Payee’ section.
- Enter your HDFC credit card number in place of the Beneficiary Account Number.
- Enter the Name on Card in place of the Beneficiary Name.
- Use the HDFC credit card IFSC Code, which is HDFC0000128.
- Once the beneficiary details are added successfully, enter the amount you want to pay.
- Review the payment details, accept the terms and conditions, and proceed to make the payment.
Keep in mind that the specific steps and options may vary depending on the net banking portal of your bank. It is advisable to refer to your bank’s instructions or contact their customer support for any specific guidelines related to NEFT payments for credit card bills.
HDFC credit card payment through RTGS using IFSC Code
To make a payment towards your HDFC Bank credit card through RTGS (Real-Time Gross Settlement) using your preferred bank’s net banking portal, you can follow these steps:
- Login to your preferred bank’s net banking portal.
- Select the option for ‘Funds Transfer’ or ‘Payments’.
- Choose RTGS as the mode of transfer.
- If you haven’t added the HDFC Bank credit card as a beneficiary, follow the steps provided below. If you have already added it, you can skip to the next step.
- Add the HDFC Bank’s credit card as a beneficiary using the “Add Beneficiary” or “Add Payee” option.
- Enter the HDFC Bank’s credit card number as the Beneficiary Account Number.
- Enter your name as printed on the HDFC Bank credit card as the beneficiary name.
- Use the HDFC credit card payment IFSC Code – HDFC0000128.
- Select the HDFC Bank credit card from the list of beneficiaries.
- Enter the amount you wish to pay towards your credit card.
- Review the payment details, ensuring accuracy.
- Proceed to make the payment.
HDFC credit card payment through UPI
To make a credit card payment for your HDFC Bank credit card using UPI (Unified Payments Interface), you can follow these steps:
Registration:
- Open your bank’s mobile banking app.
- Access the UPI section under your account.
- Follow the instructions to register for UPI payments.
- You may be required to send an SMS to bind your mobile number.
- Create a UPI ID, which can be in the format of your mobile number followed by “@bankname”.
- Select the account number to link with your UPI ID.
Payment:
- Login to your mobile banking app.
- Locate the ‘Pay’ or ‘Payments’ section.
- Choose UPI Payment as the payment method.
- Select the option for “Send Money”.
- Enter the recipient’s UPI ID or Account number along with the HDFC credit card payment IFSC Code.
- Specify the payment amount and include any necessary remarks.
- Review the payment details for accuracy.
- Proceed to complete the payment transaction.
Keep in mind that the exact steps and options may vary depending on your bank’s mobile banking app. It is recommended to refer to your bank’s instructions or contact their customer support for any specific guidelines related to UPI payments for HDFC Bank credit card bills.
HDFC credit card payment through mobile wallets and apps
Paying your credit card bills through mobile wallets can be highly rewarding for you. You can be eligible for cashback and other offers for using these apps to pay your credit card bills. It is also easier to pay your bills through these apps, and the best part, they are just as safe as the HDFC bill desk. So, without delay, let’s look at the steps to pay your credit card bills with the most popular mobile wallet apps available currently.
PayTM
- To start the process, open your PayTM app or log in to your profile from the website.
- Under the “Recharge & Bill Payments” option, locate and click on the “Credit Card Payment” option.
- On the next page, click on the “+ Pay another card.”
- Enter your credit card details on the next page, and you can even add a nickname to your card.
- Link your card, and now you will be able to pay your credit card bills through your PayTM account.
Google Pay
- Start by opening the Google Pay app on your phone.
- From the app’s homepage, locate and click the “Pay bills” option followed by the “Credit card bill payment” option.
- Choose HDFC Bank Credit Card from the available bank options.
- Once your bank is selected, enter your card details, you can even add nicknames to your card.
- Complete by clicking on the “Link Account” option.
- This concludes the linking process. Now you can pay your credit card bills using your Google Pay account easily at your convenience.
MobiKwik
- To pay your credit card bills through MobiKwik, click on this link.
- Enter the card details and the billing amount when you visit the link.
- Click on the “Go” option to get started.
- Following that, you will be led through some simple steps. Follow the steps to complete your credit card bill payment easily through MobiKwik.
PhonePe
- Start by opening the PhonePe app on your mobile device.
- Locate and click on the “Recharge & Pay Bills” tab.
- Click on the “Credit Card Bill” option.
- Enter your HDFC credit card details and click “Confirm.”
- This process will link your credit card to your PhonePe account, which you can then use to pay your credit card bills whenever you want.
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HDFC credit card bills: Benefits of paying online
Now that you know all the payment methods you can use to pay your credit card bills, you may wonder which payment mode is best for you. You should, in most cases, opt for online credit card bill payments. Why? Because they come with many benefits like:
- Paperless processing.
- Pay your bills from anywhere, anytime.
- You can even set up autopay features.
- Usually, it does not involve any processing fees.
How to do HDFC credit card payment offline?
There are several ways you can pay your HDFC credit card bills offline; here are all the ways you should know.
HDFC credit card payment through ATM fund transfer
One of the best features of this bill payment option is that it is available round the clock, and you can pay using your savings or current account. However, you should know that this payment method comes with a processing fee of Rs. 100 per transaction. Let’s look at the steps.
- Visit your nearest HDFC Bank ATM.
- Insert your HDFC Bank Debit Card into the card slot of the ATM.
- Click on the Credit Card Payment option on the machine.
- Follow the required steps as directed by the machine.
- Your credit card bill payment will be completed.
Even though this payment method comes with a hefty processing fee, you should know that using this method can be an excellent fail-safe for you. Often, net banking and other payment apps don’t work because of server issues. If you need to pay your bills urgently, you can use this method as it will work even if your bank’s net banking applications are not working.
HDFC credit card payment through cheque
- To pay by cheque, you have to write/issue a cheque to HDFC Bank and enter your 16-digit credit card number on the cheque, along with all the other details.
- Go to your nearest HDFC Bank ATM or branch and drop the cheque in the dedicated cheque drop box.
- Once you have dropped your cheque, it should take around three days for your bill to be paid.
Over the counter HDFC credit card payment
You must pay your bill in cash to use this payment method. The steps are:
- Locate and visit your nearest HDFC Bank branch.
- You can pay your HDFC credit card bill in cash at the branch by navigating to the dedicated department.
- This mode of bill payment will cost you a 100 Rs processing fee per transaction.
HDFC credit card payment through NEFT at HDFC branch
To use this mode of payment, here are the steps:
- Visit your nearest HDFC Bank branch.
- Request for NEFT transfer for your bill payment.
- Use the IFSC code HDFC0000128.
- Your bill payment will be successfully processed.See also: Know about HDFC IFSC code
HDFC credit card payment for non-HDFC account holders
If you don’t have a savings or current account with HDFC bank but use their credit card, you can pay your bills using the following steps.
- Visit this link.
- Enter your card details on the page and enter the amount you are paying.
- Choose your transaction mode on the following page and click “PAY.”
- Log in to your chosen payment mode and enter the necessary details to complete the payment.
- Once your payment is complete, you will be redirected back to the HDFC bank portal, where you will see a transaction confirmation and also a reference number attached to your transaction.
- You will also get an email confirming your bill payment.
HDFC credit card payment: Processing time for various payment methods
| Mode of Payment | Processing Time For The Payment |
| NEFT | 24-48 Hours (only on business days) |
| Autopay | Within 48 hours or 2 working days |
| HDFC Bank Net Banking | Within 48 hours or 2 working days |
| Cheque Payment | Up to 3 working days |
| HDFC Bank Mobile Banking | Within 48 hours or 2 working days |
| Visa Money Transfer | Up to 2 working days |
| Non-HDFC Net Banking | Up to 2 working days |
| BillDesk | Up to 3 working days |
| Non-HDFC Mobile Banking | Within 72 hours or 3 working days |
| Real Time Gross Settlement | Instant |
| Paytm | Up to 3 working days |
| BHIM/UPI | Instant |
HDFC credit card: Late payment charges
| Amount | Late Payment Charges |
| Less than Rs. 100 | No charges |
| Rs. 100 to 500 | Rs. 100 |
| Rs. 501 to 5,000 | Rs. 500 |
| Rs. 5,001 to 10,000 | Rs. 600 |
| Rs. 10,001 to 25,000 | Rs. 800 |
| Rs. 25,001 to 50,000 | Rs. 1,100 |
| Over Rs. 50,000 | Rs. 1,300 |
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HDFC Credit Card Payment Online Billdesk: Registration
Users can register with BillDesk BillPay in a few easy steps.
- Create login id using a valid email ID and set a password. Provide details such as name, phone, mobile and e-mail details, and address.
- Provide date of birth and set a secret question and answer. Mention the email where you want to receive all service-related alerts and notifications. accept the terms and conditions to complete the registration process.
- Set up the billers from where you want to receive bills at BillDesk BillPay and start making payments.
HDFC credit card bill payment through Bill Desk
Non-HDFC bank account holders can access the HDFC Credit Card Bill Desk for bill payment by follow the steps mentioned below:
- Visit the HDFC Credit Card Bill Desk
- Submit the 16-digit credit card number, email address and the amount to be paid.
- Select the bank from where which you wish to pay the amount. The user will be taken to the net banking portal of the respective bank
- Sign in using your login ID and password
- Provide the OTP received on the registered mobile number to complete the process.
How to check HDFC BillDesk payment status?
After successfully completing the transaction, a confirmation email or SMS will be sent to the accountholder with the transaction reference number. One can contact the merchant to know the status of payment updation at the merchant.
HDFC credit card bill payment through billdesk: How to cancel a transaction?
One must reach out to the merchant for any queries about transaction cancellation or refund. Visit the merchant website to know about refund or cancellation policy. If the user has cancelled a transaction, a refund will be initiated by the merchant. The amount will be credited to their account within five to seven working days from the date of refund. In case one does not receive the credit, then one should reach out to the merchant with the transaction details.
How to convert credit card payment to EMI in HDFC?
Converting your credit card payment to Equated Monthly Installments (EMI) in HDFC Bank is a convenient option to manage your expenses. Here’s a guide on how to convert your credit card payment to EMI:
- Login to your HDFC Bank net banking account using your credentials.
- Navigate to the credit card section or credit card payment page.
- Look for the option to convert your credit card payment to EMI. It may be labeled as ‘Convert to EMI’ or ‘EMI Conversion’.
- Select the credit card transaction or transactions that you wish to convert to EMI. You may have the option to choose multiple transactions if eligible.
- Choose the desired EMI tenure or duration for the conversion. The available options may vary based on the transaction amount.
- Review the terms and conditions associated with the EMI conversion, including the interest rate, processing fee and any other charges. Ensure that you understand the terms before proceeding.
- Confirm your selection and submit the request for credit card payment conversion to EMI.
- Once the request is processed successfully, the converted EMI amount will be reflected in your credit card statement, and the respective EMI amount will be due each month.
It’s important to note that the eligibility for converting credit card payments to EMI may depend on factors such as the transaction amount, merchant category and your credit card’s terms and conditions. Additionally, there may be applicable interest charges and processing fees for the EMI conversion, which will be communicated to you during the process.
How to check HDFC credit card payment history?
You can check your payment history by accessing your account statement for the period of your choice. This can be done via both net banking and the mobile app.
Via net banking
To check your HDFC credit card payment history through net banking, you need to follow a simple procedure. Here are the steps:
- Visit the official website of HDFC Bank and log in to your account using your credentials.
- Once logged in, navigate to the ‘Cards’ section.
- Select the option for ‘Enquire’.
- Look for the ‘View Statement’ option and click on it.
- Choose the specific credit card for which you want to check the payment history.
- Select the desired period or month for which you wish to view the statement.
- Click on the ‘View’ button to access the statement.
- The system will display the payment history for the selected credit card and period.
- If you want to download the statement for future reference, click on the ‘Click to View/Download’ option.
Via the mobile app
To check your payment history via the mobile app, follow these steps:
- Download the app and log in to your account.
- Go to the ‘Credit Card’ option.
- Select ‘Download Billed Statement’.
- Choose the period to download the statement.
- Click on ‘Download’.
FAQs
What is the minimum payable amount for your HDFC credit card?
The minimum payable amount is Rs. 200 or 5% of the outstanding amount, whichever is higher.
How can you know your credit card bill for the month?
You can find your bill amount on the bank’s net banking portal. You will also receive emails containing a detailed credit card bill every month.
Can I make credit card bill payment in parts and avoid penalty?
HDFC customers can initiate a bill payment in any number of parts before the due date to avoid a penalty.
What cards can I use to make payments?
Accountholders can make a payment using any Visa Credit or Debit Card.
Are there any charges for the Bill desk registration?
No charges are applicable for registration or making payments through BillDesk BillPay.