Learn how to check your HDFC Bank credit card billing cycle, due date, and available payment methods to avoid late fees and manage your payments efficiently.
The HDFC Bank credit card billing cycle is the duration between two statement generation dates. It tracks every transaction, payment, and charge applicable within that timeframe. The billing date is when the card statement is generated, and the due date is the deadline by which you must make the payment.
A billing cycle of an HDFC Bank credit card typically ranges between 27 to 31 days, but this may vary depending on the card type. You can check your billing cycle by logging into the HDFC Bank mobile app, NetBanking, or reviewing your monthly statement. Understanding this cycle helps you plan expenses, avoid late fees, and maximise the interest-free period.
HDFC Bank makes checking your credit card's billing cycle simple. You can find this information in detail directly on your HDFC Bank credit card statement. Access your statement by logging into the HDFC Bank NetBanking portal or using the mobile app.
Additionally, the statement not only displays your billing cycle but also provides other key details, such as your bill generation date for HDFC Bank credit card and your payment due date.
HDFC Bank provides various online and offline payment options, making credit card bill payments quick and hassle-free. Here’s how you can pay your HDFC Bank Credit Card bill using different methods:
Log in to PayZapp or download the app from the Google Play Store or Apple App Store to register
Tap ‘Bills and Recharges’ on the home screen and scroll to ‘Financial Services’
Select ‘Credit Card’ from the available options.
Search for your Credit Card Biller using the search bar or scroll through the list
Ensure your HDFC Bank Credit Card is linked; if not, manually enter your 16-digit card number and continue
For other bank credit cards, enter your registered mobile number and the last four digits of your card, then tap ‘Continue’
Select the amount you want to pay
Apply any cashback coupons, choose your payment method, and complete the payment with a single swipe using your HDFC Bank Debit Card
HDFC Bank Credit Card payments are settled on the same day (T-Day). Payments for other bank credit cards take 2 to 4 days to process.
To Pay HDFC Bank Credit Card Bills:
Log in to your HDFC Bank NetBanking account
Navigate to ‘Cards’
Click ‘Transact’ in the left menu and select ‘Credit Card Payment’
Choose your bank account and select your credit card number
Select the payment amount and confirm the transaction
To Pay Other Bank Credit Card Bills:
Log in to your HDFC Bank NetBanking account
Navigate to BillPay & Recharge
Select ‘Credit Card Bill’
Choose your credit card issuer
Enter your credit card details to fetch the bill
Enter the payment amount
Select your payment method and complete the transaction
Credit card bill payments via NetBanking are processed within one working day.
Log in to the HDFC Bank Mobile Banking App using your Customer ID and Password or Quick Access PIN
Navigate to the ‘Pay’ section and select ‘Cards’
Choose your registered credit card
Tap ‘Pay’ and select the payment amount (Minimum, Total, or Other)
Click ‘Confirm’ to complete the payment
Credit card bill payments through mobile banking are processed within a day.
Insert your debit card into the ATM
Select ‘Main Menu’ on the screen
Tap ‘More Options’ at the bottom right
Choose ‘Make Credit Card Payment’ from the top left
Select your payment account: Savings Account or Current Account
Enter the bill amount and press ‘Confirm’
Enter your 16-digit Credit Card number and confirm
Input your 4-digit ATM PIN to complete the transaction
Credit card bill payments are typically processed within 1 working day.
Visit any HDFC Bank branch or ATM
Deposit cash to pay your Credit Card bill
Collect the receipt for reference
Cash payments for credit card bills are processed within 1 working day.
Write a cheque or demand draft in favour of ‘HDFC Bank Card A/c’, mentioning your 16-digit Credit Card number
Drop it off at any HDFC Bank ATM or branch
Visit your nearest HDFC Bank branch and fill out the AutoPay registration form
Set a maximum auto-debit limit to ensure timely payments
Autopay processing time varies by payment mode: NEFT takes 1–2 days, while IMPS is completed within a day.
Log in to your NetBanking account from any bank
Navigate to ‘Funds Transfer’ and select NEFT, RTGS, or IMPS
Add your HDFC Bank Credit Card as a beneficiary
Enter the 16-digit credit card number as the account number
Use the IFSC code HDFC0000128 for NEFT/RTGS transactions
Enter the payment amount and select your bank account for the transfer
Review the details and confirm the transaction
The turnaround time depends on the selected settlement mode (NEFT/IMPS).
Visit BillDesk
Enter your HDFC Bank Credit Card number and payment amount
Select NetBanking from the drop-down menu and click ‘Pay’. You will be redirected to your bank’s payment page
Enter your user ID and password to authenticate
Confirm the payment amount to complete the transaction
The amount will be deducted from your account immediately, and you’ll receive a confirmation along with a Transaction Reference Number
If an email ID is provided, an email acknowledgment will also be sent
Credit card payments made via BillDesk typically take 2-3 working days to process and reflect in your account.
The bill date for an HDFC Bank credit card is when your monthly statement is generated, listing all transactions and dues. The payment due date falls 20 to 25 days after this. You can check it via NetBanking, the HDFC Bank mobile app, your credit card statement, or customer care. To avoid late fees and interest charges, set up auto-pay or enable payment reminders. Paying on time helps you avoid penalties and maintain a healthy credit score.
If you miss your HDFC Bank Credit Card due date, a late payment fee is charged based on your total outstanding amount. This fee is added to your next statement and can increase if your balance is higher. Additionally, interest is applied to the unpaid amount, making delays more expensive over time. Here is late payment fee structure for HDFC Bank credit cards:
Total Outstanding Amount (₹) |
Late Payment Fee (₹) |
Less than ₹100 |
Nil |
₹101 – ₹500 |
₹ 100 |
₹501 – ₹5,000 |
₹ 500 |
₹5,001 – ₹10,000 |
₹ 600 |
₹10,001 – ₹25,000 |
₹ 800 |
Above ₹25,000 |
₹ 950 |
Paying your HDFC Bank Credit Card bill on time helps you avoid late fees, high interest, and credit score impact. Understanding the fee structure allows better financial planning. Set up auto-pay, enable reminders, or pay early to manage payments efficiently and maintain a healthy credit profile for future borrowing.
No, the billing cycle of an HDFC Bank credit card varies between 27 to 31 days, depending on the statement generation date.
HDFC Bank offers a credit-free period of up to 50 days, starting from the transaction date until the payment due date.
You can check your HDFC Bank credit card billing cycle via NetBanking, the HDFC Bank mobile app, your monthly statement, or by calling customer care.
The payment due date is typically 20 to 25 days after the bill generation date for HDFC Bank credit card. Paying before this avoids late fees and interest charges.