Manage your HDFC Bank credit card payments online through NetBanking, UPI, debit card, and other secure channels to ensure timely bill settlement and avoid late payment charges.
Last updated on: Oct 14, 2026
You can make your HDFC Bank credit card payment online through several convenient channels, including NetBanking, the Mobile Banking App, PayZapp, UPI-enabled platforms, and debit card payments. HDFC Bank also allows bill payments through other bank accounts using NEFT, RTGS, or IMPS.
Making payments before the due date helps you avoid late payment charges and interest on outstanding balances. Depending on the payment method you choose, the credit card bill payment may be credited on the same day or within a few working days.
HDFC Bank offers multiple online payment options to help you clear your credit card dues quickly and securely.
Here are the steps to pay your credit card bill using HDFC Bank NetBanking:
Log in to your HDFC Bank NetBanking account
Navigate to the ‘Cards’ section
Click ‘Transact’ in the left-hand menu and select ‘Credit Card Payment’
Choose the bank account from which you want to make the payment
Select the credit card number
Choose the payment amount type, such as minimum due, total outstanding, or a custom amount
Review the details and confirm the transaction
Here are the steps to make an HDFC Bank credit card payment through the Mobile Banking App:
Log in to the HDFC Bank Mobile Banking App
Enter your credentials or use Quick Access PIN if enabled
Go to ‘Pay’ and select ‘Cards’
Choose the registered credit card
Click ‘Pay’
Select the amount you wish to pay
Confirm the transaction to complete the payment
Here are the steps to pay your HDFC Bank credit card bill using PayZapp:
Log in to the PayZapp app
Tap ‘Bills and Recharges’ and navigate to ‘Financial Services’
Select ‘Credit Card’
Search for your credit card issuer
Enter the required card details if they are not pre-linked
Choose the payment amount
Select a payment method and complete the transaction
PayZapp offers same-day settlement for HDFC Bank credit card payments, subject to system cut-off timings.
You can choose from several online and offline payment options based on your preferred mode of banking and payment convenience.
A debit card payment allows you to clear your HDFC Bank credit card dues directly from your linked bank account. You can use an HDFC Bank Debit Card through channels such as PayZapp or ATM-based card payment facilities.
This method is useful if you want your payment to be processed quickly without logging in to NetBanking. Depending on the channel used, the payment is typically credited on the same day or within one working day.
UPI is a convenient way to make credit card bill payments using a mobile payment app. You can use supported platforms that facilitate credit card bill payments through UPI-linked bank accounts.
To make the payment, enter the required credit card details, verify the amount due, and authorise the transaction using your UPI PIN. Processing time may vary depending on the platform and settlement cycle.
NetBanking is one of the most commonly used methods for HDFC Bank credit card bill payments. You can pay through your bank account or use another bank's NetBanking service through NEFT, RTGS, or IMPS.
If you are paying through another bank account, use your credit card number as the beneficiary account number and the specified HDFC Bank payment details. The credit generally reflects within one to two days, depending on the payment mode used.
The time taken for your HDFC Bank credit card payment to be credited depends on the payment channel used.
Here are the processing timelines for different payment methods:
| Payment Method | Processing Time |
|---|---|
HDFC Bank Mobile Banking App |
Within 1 day |
HDFC Bank NetBanking |
Within 1 day |
PayZapp (HDFC Bank Credit Cards) |
Same day (subject to cut-off timings) |
PayZapp (Other Bank Credit Cards) |
2 to 4 days |
NEFT |
1 to 2 days |
RTGS |
As per settlement timelines |
IMPS |
Usually within 1 day |
Cash Payment at Branch/ATM |
Within 1 day |
Autopay |
1 to 2 days |
BillDesk |
2 to 3 working days |
To avoid late payment charges, consider making your payment a few days before the due date, especially when using methods that may take longer to process.
Paying your HDFC Bank credit card bill on or before the due date can help you avoid additional charges and maintain a healthy credit history.
The due date for your credit card is mentioned in your monthly credit card statement. HDFC Bank recommends making the payment a few days before the due date to allow sufficient time for processing.
If you miss the due date, the following may apply:
Late payment charges may be levied on the outstanding amount as per the card's fee schedule
Interest charges may apply on unpaid balances
New purchases may attract finance charges if the outstanding amount is not cleared in full
Your credit score could be impacted if delayed payments are reported to credit bureaus
Continued delays may affect your eligibility for future credit products
Even if you cannot clear the total outstanding amount, ensure you pay at least the minimum amount due mentioned in your statement to avoid late payment fees. However, interest may still be charged on the remaining balance.
Most HDFC Bank credit card payment methods do not attract a separate payment fee. However, charges may vary depending on the payment channel or third-party platform used.
Here are the key details related to HDFC Bank credit card bill payment charges:
| Payment Method | Charges |
|---|---|
HDFC Bank NetBanking |
Generally no payment charge |
HDFC Bank Mobile Banking App |
Generally no payment charge |
PayZapp |
Charges, if any, depend on the platform terms |
NEFT/RTGS/IMPS |
Charges may depend on the remitting bank |
Cash Payment at Branch or ATM |
As per HDFC Bank's applicable policies |
Cheque/Demand Draft |
Applicable charges, if any, depend on bank policies |
Autopay |
Usually no separate registration charge |
Note: Late payment fees, finance charges, and other card-related charges are separate from payment processing charges. Refer to your latest credit card terms and conditions or schedule of charges for the most up-to-date information.
Reviewer
A credit card bill payment and a transfer from a credit card to a bank account are different transactions. If your card supports a fund transfer facility, such as a money transfer or loan-on-credit-card feature, you can transfer funds as per HDFC Bank's applicable terms and charges. Check the card features available on your account before initiating such a transaction.
You can check your credit card bill through HDFC Bank NetBanking, the Mobile Banking App, MyCards, or your monthly credit card statement sent to your registered email address. The statement shows your outstanding balance, minimum amount due, due date, and transaction details.
To pay by cheque, write a cheque in favour of 'HDFC Bank Card A/c' and mention your 16-digit credit card number on the instrument. You can then drop it at an HDFC Bank branch or designated ATM. Since cheque clearance takes time, make the payment well before the due date.
You can pay your bill from another bank account using NEFT, RTGS, or IMPS. While adding the beneficiary, use your credit card number as the account number and enter the applicable HDFC Bank payment details, including the prescribed IFSC code.
You can pay your credit card bill through HDFC Bank NetBanking, the Mobile Banking App, PayZapp, debit card, NEFT, RTGS, IMPS, cash, cheque, demand draft, or Autopay. The most suitable option depends on your banking preferences and the time available before the due date.
You can make a credit card payment from another bank account through online fund transfer modes such as NEFT, RTGS, or IMPS. Ensure that the credit card details entered as the beneficiary are correct to avoid payment delays or failures.