HDFC Bank customers get two main methods of credit card bill payment available to HDFC credit card holders – online and offline. There are plenty of options available in both offline and online modes that people can use to clear their credit card dues. Online modes of HDFC credit card bill payment include Bill Desk, NEFT, mobile banking, internet banking, etc. whereas the offline modes include cheque, ATM payment and over the counter cash payment. Some of the popular payment methods are discussed in this page.
HDFC Credit Card Payment Online
Cardholders prefer to clear their HDFC Bank credit card bills through different modes. Some of them like to pay through the traditional offline modes while some prefer the convenience of online modes. 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.
HDFC Credit Card Bill Payment through Net 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-
- Login to your HDFC Bank internet banking portal using your customer ID and Password
- Go to the ‘Cards’ section where you can find details of all your credit cards
- Select the credit card and click on ‘Pay’
- 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.
HDFC Credit Card Bill Payment through 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 netbanking 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?
- Visit m.hdfcbank.com on your mobile phone
- Login using your customer ID and Password
- Go to the ‘Cards’ section where you can find details of all your credit cards
- Select the credit card and click on ‘Pay’
- 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.
HDFC Credit Card Bill Payment through 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 netbanking 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?
- Login using your customer ID and Password
- Select ‘Credit Card’ from the bottom menu. Here you can find details of all your credit cards.
- Click on ‘Credit Card Payment’
- Select the account through which you want to make the payment and the right credit card
- Choose the amount to be paid- total outstanding or minimum amount due, else enter a preferred amount
- 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.
HDFC Credit Card Bill Payment through 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.
How to pay HDFC credit card bill using VISA CardPay?
- Login using your customer ID and Password on HDFC Bank’s website
- Go to Third Party Funds Transfer tab and select Visa CardPay
- Enter the sender and receiver details
- Select the account through which you want to make the payment
- Enter your 16-digit credit card number and confirm the same
- 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:
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?
- Login to your bank’s net banking portal using your ID and password
- From the Funds Transfer, select NEFT
- 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.
- Once the beneficiary is added successfully, enter the amount to be paid
- Review the details, accept the terms and conditions, and pay.
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.
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?
- Visit the HDFC Credit Card Bill Desk
- Enter your 16-digit credit card number, email ID and the amount to be paid
- Choose the bank through which you want to make payment. You will be redirected to the respective bank’s net banking portal.
- Login using your ID and Password
- 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.
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 net banking ID and password and transfer the due amount. The bill payment is credited to your HDFC Bank account within 2 working days.
Here is a list of 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 |
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 UPI.
HDFC Credit Card Bill Payment Offline
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 Bank 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:
HDFC Credit Card Bill Payment by 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
HDFC Credit Card Bill Payment through 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
HDFC Credit Card Bill Payment through 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
HDFC Credit Card Bill Payment through 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 up
- You will never have to worry about getting late to make credit card bill payment since the bank will do it for you on 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
HDFC Credit Card Bill Payment FAQs
By when should I make the payment to avoid fine?
You have to make the payment by the due date to prevent paying any fine.
How can I pay HDFC credit card bill online if I have an HDFC account?
You can pay HDFC credit card bill online by following methods:
How can I pay HDFC credit card bill online if I do not have an HDFC account?
You can pay HDFC credit card bill online by following methods:
How can I make the HDFC credit card bill payment offline?
You can make the payment offline through any of the methods mentioned below:
Can I make my credit card bill payment in parts and avoid penalty?
Yes, you can make the bill payment in any number of parts before the due date to avoid any penalty.