HDFC Credit Card Payment

Online payment of HDFC Credit Card bill is quite simple as there are multiple options to make the payment. 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.

HDFC Credit Card Online Payment

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 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 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 netbanking 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 HDFC Bank Mobile App

Another convenient way for HDFC credit card payment 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 HDFC 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.

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:

HDFC Credit Card Payment through NEFT (National Electronic Funds Transfer) 

Pay your HDFC Bank credit card bill from any other bank account through NEFT using Credit Card IFSC code. 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 through 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 HDFC credit card IFSC Code which is HDFC0000128
• Once the beneficiary is added successfully, enter the amount to be paid
• Review the details, accept the terms and conditions, and pay

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

• Login to your preferred bank’s net banking portal
• Select RTGS under ‘Funds Transfer’
• You will have to add the HDFC Bank’s credit card as beneficiary. The steps are given below. Jump to the next step if you have already added the card as a beneficiary
  • 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
• Select the HDFC credit card from the list of beneficiaries and enter the amount to be paid
• Review the details and then pay the amount

HDFC Credit Card Bill Payment through 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 BillDesk?

• 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.

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

HDFC allows users to pay their credit card bills via UPI. UPI payments require UPI ID or Account number and IFSC Code First time users need to register themselves for funds transfer via UPI.

Registration

• Login to your Bank’s mobile banking App
• Under Account click on UPI
• You will be asked to send an SMS that will bind your mobile. Send it
• Create a UPI ID. You may use your mobile number 9876******@bankname
• Select an account number to link the UPI ID with

Payment

• Login to your Mobile Banking app
• Click on Pay
• Click on UPI Payment
• Select ‘Send Money’
• Pay via UPI ID or Account number and HDFC credit card payment IFSC Code
• Enter the amount, Remarks, and pay the amount

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 your preferred bank’s net banking portal
• 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.

Payment Processing Time for the Various Methods

People who are not comfortable using HDFC credit card online payment modes 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 make HDFC credit card payment 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

In the wake of COVID -19 and the financial challenges it is posing, RBI has directed all lending institutions to allow a moratorium on repayment of term loans. This also includes credit card dues.

HDFC Bank is also offering this EMI Moratorium under the COVID-19 Regulatory Package to its credit cardholders. All customers who have outstanding amount on HDFC Bank Credit Cards or have taken loan on HDFC Credit Cards are eligible for this facility. Given below are some important points to note about this:

• You can avail EMI Moratorium that are due from till August 2020
• HDFC Bank will not ask for any payment on your credit card till your moratorium period
• Interest (Finance Charges) will keep accruing on the outstanding amount
• You will have to pay the minimum/total amount due along with the interest on the due date after 31 August 2020
• Choosing the EMI Moratorium on Credit Cards will not affect your credit score
• You are deemed eligible for this facility only if you have been regular with your payments before 01-Mar-2020

How to opt for the EMI Moratorium on HDFC Credit Card?

You can simply choose to defer the payment due after 01-Mar-2020 by making no payment towards it. If you have set auto-pay instructions for credit card bill payment, you can turn it off and reactivate after August 2020. However, if you are new to the moratorium and want to apply, then you can place a request with the bank.

Click here to find more details related to EMI Moratorium.

HDFC Credit Card Moratorium FAQs

Do I have to make any payment during the moratorium period?

If you choose the moratorium, you do not have to pay any amount towards your credit card. However, if your cashflow/income has not been impacted and you can manage to make full payment, we advise you to make regular payment of your HDFC Credit Card Bills instead of opting for the moratorium.

I can only manage to pay the minimum due on my HDFC Credit Card. Should I pay it or choose the moratorium facility?

Whether you choose to pay the minimum amount due on your card or the moratorium, interest will be applicable on the outstanding amount, in both the cases. But since interest is charged as a percentage of the unpaid amount, the total interest payout will be lesser if you keep making regular payments towards the card.

How much amount do I have to pay on my HDFC Credit Card after moratorium period?

The HDFC Credit Card Statement generated after the moratorium period ends (August 31) will cover all your dues- previous outstanding amount, new purchases, interest and other charges. Now, as it has always been, you can choose to pay either the total amount due, minimum amount due or any amount between the minimum and total due.

We suggest you make as much payment towards your HDFC Credit Card Bill as you can afford. In case you make the minimum payment or any partial payment, the remaining amount will keep accruing interest and your new purchases will NOT be eligible for the interest-free period, thus adding to your overall interest burden.

How to opt for the EMI Moratorium on HDFC Credit Card?
You can simply choose to defer the payment due after 01-Mar-2020 by making no payment towards it. If you have set auto-pay instructions for credit card bill payment, you can turn it off and reactivate after 31-August-2020.

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 do HDFC credit card payment through SBI debit card?
At present, you can visit an HDFC Bank ATM and pay credit card bill using HDFC debit card. In case you want to use any other bank’s credit card, you will have to do it online through BillDesk. For example, you can make HDFC credit card payment through SBI debit card by BillDesk online.

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:

• Netbanking
• Mobile Banking
• Mobile App
• Visa CardPay

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:

• HDFC Bill Desk
• Non-HDFC Bank’s Website
• NEFT/RTGS
• UPI

How can I make the HDFC credit card bill payment offline?
You can make the payment offline through any of the methods mentioned below:

• Cash
• ATM
• Cheque
• Standing Instructions

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.