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Spending on an HDFC Bank credit card is extremely rewarding; however, to keep the card active and avoid unnecessary charges, it is critical to pay your dues on time. Luckily, 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 credit card payment method for yourself.
HDFC Bank credit card online payment can be made conveniently from your HDFC Bank account. If you have an active HDFC Bank savings/current account, you can choose to pay your bill using any of the HDFC credit card payment options mentioned below.
Once the request is processed, the HDFC credit card bill amount will be deducted from your HDFC Bank savings/current account and credited to your HDFC Bank credit card account.
Once the request is processed, the HDFC credit card bill amount will be deducted from your HDFC Bank savings/current account and credited to your HDFC Bank credit card account.
You would get an acknowledgement message once the bank receives your request. Now, the bank will automatically deduct the total or minimum amount, due based on the standing instructions set by you, on a specific date every month.
You can pay your HDFC Bank credit card bill online from your non-HDFC bank account too. Here is how:
The processing time varies for different HDFC credit card bill payment options. It is, therefore, crucial that you choose the mode based on the number of days you have in hand before the last HDFC credit card bill payment due date. This cognisance will allow you to avoid the HDFC credit card charges for late payment while also keeping your credit score in check.
Below is a list of the different HDFC Bank credit card payment options along with their associated processing time.
Modes of HDFC CC Bill Payment Online |
Expected Processing Time |
HDFC Bank Internet Banking |
Same day |
HDFC Bank Mobile App |
Same day |
NEFT |
One working day |
RTGS |
One working day |
BillDesk |
Two to three working days |
Visa CardPay |
Two to three working days |
UPI |
Instantly |
If you are unable to pay your HDFC CC bill online, you can opt to pay it using any of the offline payment methods mentioned below.
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, you would need to visit the ATM and transfer the billed amount from your HDFC Bank savings/current account to your HDFC Bank credit card account.
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.
You can also pay your HDFC credit card bill using a cheque. You need to draw the cheque in favour of your credit card account, for the bill amount due, and drop the same at any of the 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 the HDFC Bank credit card customer care.
You can enjoy a number of benefits by paying off your HDFC credit card bill online. Here are some of the benefits:
You can pay your bill in a convenient manner from the comfort of your home. You need not visit the bank to pay the credit card bill by choosing the online mode of payment.
You can pay off your bill without filling out any forms or cheques in a paperless manner.
The credit card bill is processed more quickly when paid online as compared to the offline mode.
You need not pay any additional fees for credit card bill payment through the online mode. Additionally you can set up standing instructions for the bank.
Your account statement for the month is generated at the end of your HDFC 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 charges).
You can pay your HDFC Bank credit card bill from another bank account through NEFT, RTGS, BillDesk, or UPI.
Yes. If you are eligible, you can convert your HDFC credit card bill into EMIs and pay it over a tenure of your choosing. The HDFC credit card EMI payment process is simple and can be easily availed online and offline. If you don’t own an HDFC credit yet, apply for a credit card now!
You can pay off your HDFC credit card bill through a number of online methods. Some of these include HDFC Bank net banking, debit card, mobile app, phone banking, UPI, website or digital wallet.
You can check your HDFC Bank credit card bill payment history through your credit card statement. You can access your credit card statement via net banking, HDFC bank website or mobile app.
You can check your total outstanding amount payable on your HDFC credit card through net banking or your HDFC Bank mobile app. You can also check this amount on your monthly credit card statement.
The minimum amount due on your HDFC 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 older statements, those will be added to the present amount outstanding which can increase your minimum amount due. Check your monthly credit card statement for more clarity.
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.