HDFC Credit Cards Bill Payment

Different people prefer to clear their HDFC Bank credit card bill payment through different modes. Some of them like to pay through the traditional offline modes while some prefer the convenience of online modes. This is precisely the reason why they offer plenty of ways for customers to pay their credit card as well as utility bills. There are multiple options to make the payment of credit card bill online. The biggest advantage of making your credit card bill payment online is that you can do it at any time and from any part of the world.

Online Bill Payment Options for HDFC Account Holders	Online Bill Payment Options for Non-HDFC Account Holders
Internet Banking	NEFT/RTGS
Mobile Banking	HDFC Bill Desk
Mobile App	Non-HDFC Bank’s Website
Visa CardPay	UPI

Online Payment Using HDFC Account

If you want to make your HDFC Bank credit card bill payment with your HDFC Bank account, you have four main options to choose from. These methods are briefly discussed here.

1- Internet Banking: If you have opted for online banking with your HDFC bank account, you can login to your account, view your credit card bill and make the payment easily. You can check your credit card statement, see the bills from previous months or check out other details. It does not matter if you have a savings account or a current account, you can login to your account using your User ID and password and make the payment.

How to pay HDFC Credit Card Bills using Internet Banking?

Follow the steps given below-

Step 1- Login to your HDFC Bank internet banking portal using your customer ID and Password.
Step 2- Go to the ‘Cards’ section where you can find details of all your credit cards.
Step 3- Select the credit card and click on ‘Pay’.
Step 4- Select the amount you wish to pay- total outstanding or minimum amount due, else enter a preferred amount.

Once you pay, the amount will be deducted from your HDFC Bank Savings/Current account and credited into your HDFC Credit Card Account.

2- Mobile Banking: You can visit the HDFC mobile website at m.hdfcbank.com in a mobile browser to access your HDFC account from any mobile device with an internet connection. You can make the payment instantly by signing in to your HDFC Bank banking account using your net banking ID and password. You must have internet banking enabled to avail this service.

How to pay HDFC credit card bill through mobile banking?

Step 1- Visit m.hdfcbank.com on your mobile phone.
Step 2- Login using your customer ID and Password.
Step 3- Go to the ‘Cards’ section where you can find details of all your credit cards.
Step 4- Select the credit card and click on ‘Pay’.
Step 5- Select the amount you wish to pay- total outstanding or minimum amount due, else enter a preferred amount.

Once you pay, the amount will be deducted from your HDFC Bank Savings/Current account and credited into your HDFC Credit Card Account.

3- Mobile App: Another convenient way to pay your HDFC credit card bill is by using the HDFC mobile banking app. Just download the app and make the payment instantly by signing in to your HDFC Bank banking account using your customer ID and Password. You need to go to the credit card tab and choose “Credit Card Payment” to make the bill payment.

How to pay HDFC credit card bill through mobile app?

Step 1- Download HDFC Bank Mobile App.
Step 2- Login using your customer ID and Password.
Step 3- Select ‘Credit Card’ from the bottom menu. Here you can find details of all your credit cards.
Step 4- Click on ‘Credit Card Payment’
Step 5- Select the account through which you want to make the payment and the right credit card.
Step 6- Choose the amount to be paid- total outstanding or minimum amount due, else enter a preferred amount.
Step 7- Click on ‘Pay Bill’.

The amount will be instantly deducted from your HDFC Bank Savings/Current account and credited into your HDFC Credit Card Account.

4- VISA CardPay: If you hold an HDFC Bank account and have registered for net banking, you can pay your HDFC Bank credit card bill through VISA CardPay. Here’s the process-

How to pay HDFC credit card bill using VISA CardPay?

Step 1- Login using your customer ID and Password on HDFC Bank Internet Banking Portal.
Step 2- Go to Third Party Funds Transfer tab and select Visa CardPay.
Step 3- Enter the sender and receiver details.
Step 4- Select the account through which you want to make the payment.
Step 5- Enter your 16-digit credit card number and confirm the same.
Step 6- Enter the amount and pay.

The amount will be credited within 2 working days. A nominal transaction fee of Rs. 5 is charged when you use this method for HDFC credit card bill payment.

Online Payment Using a non-HDFC Account

You do not need to open an HDFC Bank account to have an HDFC credit card as you can also pay your credit card bill using a non-HDFC Bank account. There are plenty of online modes of HDFC Bank credit card bill payment to clear your credit card dues using a non-HDFC bank account. Some of them are mentioned here.

1- National Electronic Funds Transfer (NEFT): Pay your HDFC Bank credit card bill from any other bank account using the NEFT. The instructions may vary slightly in different banks, however, in most cases you need to follow a similar procedure as mentioned below.

How to pay HDFC credit card bill using NEFT?

Step 1- Login to your bank’s net banking portal using your ID and Password.
Step 2- From the Funds Transfer select, select NEFT.
Step 3- Go to the ‘Add Beneficiary’ section. Enter your credit card number in place of Beneficiary Account Number, Name on Card in place of Beneficiary Name and IFSC Code of the card issuing branch.
Step 4- Once the beneficiary is added successfully, enter the amount to be paid.
Step 5– Review the details, accept the terms and conditions, and pay.

2- Real Time Gross Settlement (RTGS): There are many people who like to use their credit cards for large transactions. Such individuals can pay their credit card bills in one go using the RGTS mode even if they do not hold an HDFC Bank account. You only need to have net banking activated on your non-HDFC Bank account to carry out an RTGS transaction. Through RGTS, you can make the payment for Rs. 2 Lakh or more. The RTGS transaction is executed individually unlike NEFT that is processed in batches. The process to be followed will be same as NEFT.

3- Bill Desk: Non-HDFC bank account holders can go to the HDFC Credit Card Bill Desk and pay their bills.

How to pay HDFC credit card bill through Bill Desk?

Step 1- Visit the HDFC Credit Card Bill Desk.
Step 2- Enter your 16-digit credit card number, email ID and the amount to be paid.
Step 3- Choose the bank through which you want to make payment. You will be redirected to the respective bank’s net banking portal.
Step 4- Login using your ID and Password.
Step 5– Authorised the payment by entering the OTP received on your registered mobile number.

The payment will be credited into your HDFC Bank credit card account within 3 working days. If it does not, you can contact HDFC credit card customer care for status.

4- Non-HDFC Bank’s Website: If you do not hold an HDFC Bank account, you can make the credit card bill payment by logging in to your bank’s website using your unique net banking ID and password and transfer the due amount. The bill payment is credited to your HDFC Bank account within 2 working days. The way to do this is simple as your bank is also likely to have bill payment options as well in addition to NEFT or RTGS, to make the HDFC Bank credit card bill payment.

Here is a list of the banks that allow the HDFC Bank credit card payment facility.

Allahabad Bank	Royal Bank of Scotland Netbanking
Andhra Bank	Shamrao Vithal Co-operative Bank
Axis Bank	South Indian Bank
Bank of Bahrain and Kuwait	Karnataka Bank
Bank of Baroda (Corporate)	Karur Vysya Bank Limited
Bank of Baroda (Retail)	Kotak Bank
Bank of India	Lakshmi Vilas Bank (Corporate)
Bank of Maharashtra	Lakshmi Vilas Bank (Retail)
Canara Bank	Oriental Bank of Commerce
Central Bank of India	Punjab & Sind Bank
Citi Debit Card	Punjab National Bank
City Union Bank	State Bank of Bikaner and Jaipur
Corporate Punjab National Bank	State Bank of Hyderabad
Corporation Bank	State Bank of India
Deutsche Bank	State Bank of Mysore
Development Credit Bank	State Bank of Patiala
Dhanlakshmi Bank	State Bank of Travancore
Federal Bank	Syndicate Bank
ICICI Bank	Tamilnad Mercantile Bank Ltd.
IDBI Bank	UCO Bank
Indian Bank	Union Bank of India
Indian Overseas Bank	United Bank of India
IndusInd Bank	Vijaya Bank
ING Vysya Bank	YES Bank
Jammu and Kashmir Bank

5- UPI: You can make the HDFC bank credit card bill payment using your unique Virtual Payment Address (VPA) by creating it in the HDFC Bank mobile banking app. You can set up your VPA using an HDFC as well as a non-HDFC Bank account. With a VPA, you will not have to share your personal details such as account number, IFSC code, etc. You can send as well as receive money using VPA.

HDFC offers some of the best cash back, rewards and points on different credit cards. You need to find out the credit card that best suits your needs to get the most out of it. It is also important to follow the steps properly to make sure that the credit card bill payment process goes smoothly.

People who are not comfortable using online modes of HDFC credit card bill payment can use offline modes such as Demand Draft (DD), Cheque or Cash. HDFC has provided multiple options for them to choose from and pay their bills without facing any issues. Here are the HDFC Bank credit card bill payment options that are available offline:

1- Cash: You can pay your credit card dues by paying cash at any of the HDFC Bank branches in your city. The bank levies processing fee of Rs. 100 per payment when you pay your credit card bill in cash.

2- ATM: You can pay the credit card bill by depositing money at any of the HDFC Bank ATM. If you hold a Savings or Current Account in HDFC Bank, then you can transfer your HDFC Bank credit card bill payment amount to your credit card account to clear your credit card dues through the ATM.

3- Cheque: You can also pay your credit card bill in a similar manner as you did for cash payments. You can drop your cheque mentioning the credit card number and other required details in the drop boxes at their ATMs across India. The payment gets cleared within 3 working days.

4- Standing Instructions: You can register for autopay from your HDFC Bank account to set up standing instructions. The bank will deduct either the minimum amount due or the total monthly outstanding amount on your credit card based on the instruction you set it up with. You will never have to worry about getting late to make credit card bill payment since the bank will do it for you at the specified date during the billing cycle. Customers should note that it is essential to maintain the right balance in your account to avail this facility.