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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 Bank credit card payment method for yourself.


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

How to Make HDFC Bank Credit Card Payment Online?

There are a number of different ways to pay your outstanding credit card dues online. Here are some of them: 

1. Net Banking - for HDFC Bank Account Holders 

  • Link your HDFC credit card to your HDFC net banking account

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

  • Choose ‘Credit Card Payment’ and proceed with the payment process

  • Enter in the payment amount and click on ‘Continue’ to proceed

  • Your payment will be processed shortly

2. National Electronic Funds Transfer (NEFT)

  • Log in to your net banking account

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

  • Click on ‘Add Beneficiary’ and enter in required details

  • Type in the outstanding credit card due amount

  • Review details and complete the payment


3. Real Time Gross Settlement (RTGS)

  • Log in to your net banking account

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

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

  • Enter in the outstanding amount

  • Review details and complete the payment


4. BillDesk 

  • Go to the HDFC Bank credit card BillDesk page

  • Enter in all the required details

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

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

  • Complete the payment by validating the OTP


5. UPI

  • Login to your bank’s mobile banking app

  • Click on the ‘UPI’ tab

  • Create a UPI ID and link it to your account number

  • Once the UPI ID is set, log in to your bank’s mobile banking app again

  • Select the ‘Pay’ option and click on ‘UPI Payment’

  • Click on the ‘Pay via UPI ID’ option under the ‘Send Money’ tab

  • Enter the amount to be paid, along with the remarks and click on ‘Pay’


6. Mobile Banking App 

  • Log in to the HDFC 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


7. Autopay Option

  • 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

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How to Make HDFC Bank Credit Card Bill Payment Offline

In case you wish you to make your HDFC credit card bill payment offline, you can do so through any of the following methods:

1. HDFC Bank Credit Card Payment through 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, 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.

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 pay your HDFC Bank credit card bill using a 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 the 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 establish 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. 


You won't have to worry about making a late credit card payment, as the bank will take care of it for you on the specified date during the billing cycle. It is important for customers to keep in mind that maintaining the appropriate balance in their account is crucial to take advantage of this service

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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 HDFC Bank Credit Card Payment

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 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 Bank credit card bill into EMIs and pay it over a tenor of your choosing. The HDFC Bank credit card EMI payment process is simple and can be easily availed online and offline.

You can pay off 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, UPI, website, or digital wallet.

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.

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.

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 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.

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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