HDFC Bank Credit Card Billing Cycle

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:

Pay Via PayZapp

1. Log in to PayZapp or download the app from the Google Play Store or Apple App Store to register

2. Tap ‘Bills and Recharges’ on the home screen and scroll to ‘Financial Services’

3. Select ‘Credit Card’ from the available options.

4. Search for your Credit Card Biller using the search bar or scroll through the list

5. Ensure your HDFC Bank Credit Card is linked; if not, manually enter your 16-digit card number and continue

6. For other bank credit cards, enter your registered mobile number and the last four digits of your card, then tap ‘Continue’

7. Select the amount you want to pay

8. 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.

Pay Via HDFC Bank NetBanking

To Pay HDFC Bank Credit Card Bills:

1. Log in to your HDFC Bank NetBanking account

2. Navigate to ‘Cards’

3. Click ‘Transact’ in the left menu and select ‘Credit Card Payment’

4. Choose your bank account and select your credit card number

5. Select the payment amount and confirm the transaction

 

To Pay Other Bank Credit Card Bills:

1. Log in to your HDFC Bank NetBanking account

2. Navigate to BillPay & Recharge

3. Select ‘Credit Card Bill’

4. Choose your credit card issuer

5. Enter your credit card details to fetch the bill

6. Enter the payment amount

7. Select your payment method and complete the transaction

 

Credit card bill payments via NetBanking are processed within one working day.

Pay via HDFC Bank Mobile Banking App

1. Log in to the HDFC Bank Mobile Banking App using your Customer ID and Password or Quick Access PIN

2. Navigate to the ‘Pay’ section and select ‘Cards’

3. Choose your registered credit card

4. Tap ‘Pay’ and select the payment amount (Minimum, Total, or Other)

5. Click ‘Confirm’ to complete the payment

 

Credit card bill payments through mobile banking are processed within a day.

Pay via ATM Funds Transfer

1. Insert your debit card into the ATM

2. Select ‘Main Menu’ on the screen

3. Tap ‘More Options’ at the bottom right

4. Choose ‘Make Credit Card Payment’ from the top left

5. Select your payment account: Savings Account or Current Account

6. Enter the bill amount and press ‘Confirm’

7. Enter your 16-digit Credit Card number and confirm

8. Input your 4-digit ATM PIN to complete the transaction

 

Credit card bill payments are typically processed within 1 working day.

Pay via Cash

1. Visit any HDFC Bank branch or ATM

2. Deposit cash to pay your Credit Card bill

3. Collect the receipt for reference

 

Cash payments for credit card bills are processed within 1 working day.

Pay via Cheque or Demand Draft

1. Write a cheque or demand draft in favour of ‘HDFC Bank Card A/c’, mentioning your 16-digit Credit Card number

2. Drop it off at any HDFC Bank ATM or branch

Pay Credit Card Bills via Autopay

1. Visit your nearest HDFC Bank branch and fill out the AutoPay registration form

2. 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.

Pay via NEFT, RTGS, or IMPS

1. Log in to your NetBanking account from any bank

2. Navigate to ‘Funds Transfer’ and select NEFT, RTGS, or IMPS

3. Add your HDFC Bank Credit Card as a beneficiary

4. Enter the 16-digit credit card number as the account number

5. Use the IFSC code HDFC0000128 for NEFT/RTGS transactions

6. Enter the payment amount and select your bank account for the transfer

7. Review the details and confirm the transaction

 

The turnaround time depends on the selected settlement mode (NEFT/IMPS).

Pay via Bill Desk

1. Visit BillDesk

2. Enter your HDFC Bank Credit Card number and payment amount

3. Select NetBanking from the drop-down menu and click ‘Pay’. You will be redirected to your bank’s payment page

4. Enter your user ID and password to authenticate

5. Confirm the payment amount to complete the transaction

6. The amount will be deducted from your account immediately, and you’ll receive a confirmation along with a Transaction Reference Number

7. 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: 

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.