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HDFC Bank offers several online and offline modes of credit card bill payment. Depending on whether you are an HDFC Bank account holder or not, you can select the ideal HDFC Bank Credit Card payment method for yourself.

 

Read on to learn how to make HDFC Bank Credit Card bill payments online and offline.

 

*Disclaimer: HDFC Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.\

How to Make HDFC Bank Credit Card Payments Online?

There are a number of ways to make the HDFC Bank Credit Card online payment. Here are some of them: 

1. Bill Payment via Net Banking for HDFC Bank Credit Card

Here are the steps to follow:

  • Link your HDFC Bank Credit Card to your HDFC net banking account if you are an HDFC Bank cardholder

  • Log in to your net banking app or website and click on ‘Credit Cards’

  • Click on ‘Transact’ under the 'Credit Card' tab

  • Choose the 'Credit Card Payment' option

  • Select your card by clicking the 'Select Card Payment Type' and click on 'Continue'

  • Select the 'From account and the credit card number' option

  • Choose from Minimum Amount Due, Last Statement Balance, or Other Amount

  • Continue and confirm to make the transaction

2. HDFC Bank Credit Card Bill Payment Through the Mobile Banking Application

Here are the steps you need to follow to pay the HDFC Bank Credit Card bill online via the mobile app:

  • Link your credit card to the mobile banking account

  • Download and log in to the HDFC Bank mobile app  

  • Choose the ‘Pay’ option under ‘Menu’

  • From the available options, select 'Cards' to view registered credit and debit cards

  • Select the desired credit card for payment

  • Click on the 'Pay' option and complete the payment

3. How to Pay Your HDFC Bank Credit Card Bill Using Autopay

Here is how you can make the HDFC Bank Credit Card payment online via autopay:

  • Log in to your net banking account

  • Navigate to the cards section, where you can find your registered credit cards

  • Click on 'Request' under the credit cards section on the left-hand side of the screen, then choose 'Autopay Register’

  • Provide the necessary details

  • Select 'Continue,' and then click 'Confirm’

  • A confirmation message will appear on the screen

4. Through NEFT Payment (National Electronic Funds Transfer)

To pay your HDFC Bank Credit Card bill via NEFT, follow these steps:

  • Log in to your net banking account using your credentials

  • Choose ‘NEFT’ under the ‘Funds Transfer’ tab

  • Click on ‘Add Beneficiary’ and provide the required details

  • Type in the outstanding credit card due amount

  • Review the details, accept the terms and conditions, and complete the payment

5. Through RTGS (Real-Time Gross Settlement)

Follow these steps to pay the HDFC Bank Credit Card bill through RTGS:

  • Log in to your net banking account

  • Choose ‘RTGS’ under the ‘Funds Transfer’ tab

  • Click on ‘Add Beneficiary’ and type in the required details

  • Enter the outstanding amount

  • Review details and complete the payment

6. Using BillDesk

Here are the steps you need to follow to make the HDFC Bank Credit Card online payment via Bill Desk:

  • Go to the HDFC Bank credit card Bill Desk page

  • Enter all the required details

  • Choose the bank account through which you would like to make the payment

  • You will be redirected to the bank’s page, then log in using your credentials

  • Complete the payment by validating the OTP

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Pay Your HDFC Bank Credit Card Using Payment Methods and Mobile Wallets

HDFC Bank Credit Card payment options also include payment via mobile wallets. Here are the steps you need to follow to pay via various wallets:

1. Via Paytm for HDFC Bank Credit Card Bill Payment

  • Install the Paytm app or visit the website

  • Click on 'Credit Card Payment' under 'Recharge & Bill Payments'

  • Select the '+ Pay another card' option

  • Enter your credit card number and a nickname for the card (optional)

  • Link your credit card to your Paytm account and complete the payment

2. Via Google Pay for HDFC Bank Credit Card Bill Payment

  • Open the Google Pay app

  • Select the 'Pay bills' option and click on 'Credit card bill payment'

  • From the available options, choose the HDFC Bank Credit Card

  • Provide your credit card number and add a nickname 

  • Click on 'Link Account' and make the payment

3. Via PhonePe for HDFC Bank Credit Card Bill Payment

  • Open the PhonePe app

  • Click on the 'Credit Card Bill' option under 'Recharge and Pay Bills'

  • Provide your credit card number and then click on 'Confirm'

  • Link your PhonePe account to complete the credit card bill payment

4. Via MobiKwik for HDFC Bank Credit Card Bill Payment

  • Head to web page: https://www.mobikwik.com/credit-card-bill-payment

  • Provide your credit card number and the billing amount

  • Click on the 'Go' option

  • Complete the payment of your credit card bill by following the instructions

How to Make the HDFC Bank Credit Card Bill Payment Offline

To make your HDFC Bank Credit Card bill payment offline, you can do so through any of the following methods:

1. HDFC Bank Credit Card Payment Through an ATM

Once the HDFC Bank credit card billing cycle is complete and the bill has been generated, you can pay the amount due through an HDFC Bank ATM. 

 

For this, visit the ATM and transfer the billed amount from your HDFC Bank savings/current account to your HDFC Bank Credit Card account.

2. HDFC Bank Credit Card Bill Payment by Cash

HDFC Bank also offers you the option to visit your nearby HDFC Bank branch and pay your credit card bill in cash. However, the bank will charge you ₹100 for this service.

3. HDFC Bank Credit Card Bill Payment Through Cheque

You can also make your HDFC Bank credit card payment by cheque. You need to draw the cheque in favour of your credit card account for the bill amount due. Then, you can drop off the same at any of the HDFC Bank ATM drop boxes available across India. 

 

Remember to mention your HDFC Bank credit card number, your name, and phone number on the back of the cheque. It usually takes three working days for the cheque to clear and complete the payment process.

 

In case of any issues related to your bill payment, you can contact HDFC Bank Credit Card customer care.

4. HDFC Bank Credit Card Bill Payment Through Standing Instructions

By registering for autopay through your HDFC Bank account, you can provide standing instructions. The bank will follow your specified instructions and deduct either the minimum amount due or the entire outstanding balance on your credit card each month. 

5. Paying Your HDFC Bank Credit Card Bill at an HDFC Bank Branch Using NEFT

HDFC Bank also allows you to make the HDFC Bank Credit Card bill payment at the branch using NEFT. You need to use the respective IFSC code of your branch. 

HDFC Bank Credit Card Bill Payment for Non-HDFC Bank Account Holders Online

If you are a non-HDFC Bank account holder, here is how to make the HDFC Bank Credit Card bill payment online:

  • Head to the web page: https.//pgi.billdesk.com/pgidsk/pgmerc/hdfccard/HDFC_card.jsp

  • Enter your HDFC Bank card number and the due amount

  • Choose your bank and click on 'PAY'

  • Enter your credentials for authentication

  • Confirm the bill payment amount to make the payment

  • You will receive the Transaction Reference Number and confirmation after successful payment

Processing Time for Payment Using Different Methods

Here is the average processing time for HDFC Bank Credit Card bill payments through different methods:

Payment Method

Processing Time

HDFC Bank Net Banking

Within 2 working days

HDFC Bank Mobile Banking Application

Within 2 working days

Autopay

Within 2 working days

NEFT

24-48 business hours

RTGS

Instant

BHIM/UPI

Instant

Cheque Payment

3 working days

Visa Money Transfer

2 working days

BillDesk

3 working days

Paytm

3 working days

Non-HDFC Bank Net Banking

2 working days

Non-HDFC Bank Mobile Banking 

Within 3 working days

There is no need to stress about making a late credit card payment, as the bank will intimate the due date well in advance. However, it is important to maintain the appropriate balance in your account to avoid late payment charges.

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on the HDFC Bank Credit Card Payment

When do I need to pay the HDFC Bank Credit Card bill to avoid a fine?

Your account statement for the month is generated at the end of your HDFC Bank Credit Card billing cycle. The HDFC Bank Credit Card bill statement mentions the due date, along with several other details. 

 

You must clear your dues before this date to avoid a fine/late payment charge.

How can I pay my HDFC Bank Credit Card bill from another account?

You can pay your HDFC Bank Credit Card bill from another bank account through NEFT, RTGS, BillDesk, or UPI.

Can HDFC Bank Credit Card bills be paid on EMI?

Yes. If you are eligible, you can convert your HDFC Bank Credit Card bill into EMIs and pay it over a convenient tenure. The HDFC Bank Credit Card EMI payment process is simple and can be easily availed online and offline.

How can I make the HDFC Bank Credit Card payment online?

You can pay your HDFC Bank Credit Card bill through a number of online methods. Some of these include HDFC Bank net banking, debit card, mobile app, phone banking or digital wallet.

How can I check the payment history of my HDFC Bank Credit Card?

You can check your HDFC Bank Credit Card bill payment history through your credit card statement. Moreover, you can access your credit card statement via net banking, HDFC Bank website or mobile app.

How can I check the outstanding payment of my HDFC Bank Credit Card?

You can check your total outstanding amount payable on your HDFC Bank Credit Card through net banking or your HDFC Bank mobile app. You can also check this amount on your monthly credit card statement.

What is the minimum amount due on your HDFC Bank Credit Card payment?

The minimum amount due on your HDFC Bank Credit Card bill is 5% of the total outstanding bill amount or ₹200, whichever is higher. 

 

In case there are EMIs or unpaid amounts from earlier statements, they will be added to the present amount outstanding. Check your monthly credit card statement for more clarity.

How can I pay my HDFC Bank Credit Card bill using a debit card?

You can choose the ‘debit card’ option at the time of credit card bill payment on your HDFC Bank mobile app to pay the bill. You can also pay your bill through Billdesk using the credit card number on your card.

What is the processing time for the HDFC Bank Credit Card payment?

The processing time will depend on the mode of payment you choose. Most payment methods take about 1 to 3 days.

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