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How to Make HDFC Credit Card Bill Payment 

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

Making your payments using a 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 or not you are an HDFC Bank account holder, you can select the ideal HDFC credit card payment method for yourself.

How to Make HDFC Credit Card Payment Online

If you prefer to make your HDFC credit card payment online, you have a wide variety of payment options to choose from. The payment channels depend on whether or not you are a HDFC Bank account holder. 

  • How to Pay HDFC Credit Card Bill Online if you are a HDFC Account Holder

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.

1. HDFC CC Payment Online via Internet Banking

You can make your card payment via net banking by following the steps outlined below.

  • Step 1: Go to the HDFC Bank netbanking portal.
  • Step 2: Login using your credentials.
  • Step 3: Go to the ‘Credit Cards’ tab and click on the ‘Transact’ option. 
  • Step 4: Choose the credit card for which you wish to pay the bill.
  • Step 5: Select a payment option. 
  • Step 6: Click the ‘Confirm’ option to complete your payment.

2. HDFC CC Payment Online via the HDFC Bank Mobile App

You can make your credit card payment via the bank’s mobile banking app by following the steps outlined below.

  • Step 1: Download the HDFC Bank MobileBanking app from the iOS store or the Google Play Store.
  • Step 2: Enter your customer ID and password to log in.
  • Step 3: Visit the ‘Pay’ and select the ‘Cards’ option. 
  • Step 4: Choose your registered credit card.
  • Step 5: Select the ‘Pay’ option.
  • Step 6: Select the type of amount from the options available, namely minimum, total or other.
  • Step 7: Click ‘Confirm’ to complete the payment.

3. HDFC CC Payment Online Through Visa CardPay

You can make your payment using Visa CardPay by following the steps outlined below.

  • Step 1: Visit the HDFC Bank netbanking portal.
  • Step 2: Login using your credentials.
  • Step 3: Head to the ‘Credit Cards’ tab and click on the ‘Transact’ option. 
  • Step 4: Choose the credit card for which you wish to make the payment.
  • Step 5: Select Visa CardPay as your preferred payment option. 
  • Step 6: Click ‘Confirm’ to complete your payment.

4. HDFC CC Payment Online via Through Standing Instructions

You can make your HDFC credit card payment with the help of standing instructions by following the steps outlined below.

  • Step 1: Visit the HDFC Bank netbanking portal. 
  • Step 2: Log into your account using your user credentials. 
  • Step 3: Select ‘BillPay & Recharge.’
  • Step 4: Click on the ‘Add Biller’ option and enter the details of the biller. 
  • Step 5: Select ‘Standing Instruction’ and click on the ‘Credit Card’ option
  • Step 6: Enter your credit card details like the expiry date in MM/YYYY format.
  • Step 7: Click ‘Confirm’ to set your standing instructions.
  • How to Pay HDFC Credit Card Bill Online if you are not a HDFC Account Holder

If you hold a credit card from HDFC Bank but do not have an account with the bank, you need not worry. There are many ways in which you can pay the credit card dues online from your non-HDFC bank account too. 

1. HDFC Credit Card Payment through NEFT

You can make your card payment through NEFT by following the steps outlined below.

  • Step 1: Go to your bank’s net banking portal
  • Step 2: Login using your credentials.
  • Step 3: Select ‘NEFT’ from the ‘Funds Transfer’ tab.
  • Step 4: Click on ‘Add Beneficiary’ to fill in the HDFC bank credit card NEFT details. The ‘Beneficiary Account Number’ will be your HDFC credit card number, the ‘Beneficiary Name’ would be the name on the card, and the ‘IFSC Code’ would be HDFC0000128.
  • Step 5: After you have successfully added the beneficiary, enter the bill amount due.
  • Step 6: Confirm the details, accept the terms and conditions, and click on ‘Pay’ to complete the transaction. 

2. HDFC Credit Card Payment through RTGS

You can make your credit card payment using RTGS by following the steps outlined below.

  • Step 1: Go to your bank’s net banking portal.
  • Step 2: Login using your credentials.
  • Step 3: Select ‘RTGS’ from the ‘Funds Transfer’ tab.
  • Step 4: Click on ‘Add Beneficiary’ to fill in the HDFC Bank credit card details. The ‘Beneficiary Account Number’ will be your HDFC Bank credit card number, the ‘Beneficiary Name’ will be the name on the card, and the ‘IFSC Code’ will be HDFC0000128.
  • Step 5: Select the ‘Beneficiary’ and enter the bill amount to be paid.
  • Step 6: Confirm the details, accept the terms and conditions, and click on ‘Pay’.

3. HDFC Credit Card Payment through BillDesk

You can make your credit card payment via BillDesk by following the steps outlined below.

  • Step 1: Go to the HDFC Credit Card BillDesk page.
  • Step 2: Enter the number on your HDFC Bank credit card, your registered email ID, and the amount to be paid.
  • Step 3: From the dropdown list available, select the bank from which you are going to pay the HDFC credit card bill.
  • Step 4: Once redirected to your preferred bank’s netbanking page, log in using your credentials.
  • Step 5: Check the details and validate the payment via OTP.
  • Step 6: Click on ‘Pay’ to authenticate the transaction. 

4. HDFC Credit Card Payment through UPI

You can make your HDFC credit card payment through UPI by following the steps outlined below.

  • Step 1: Login to your bank’s mobile banking app.
  • Step 2: Click on the ‘UPI’ tab.
  • Step 3: Create a UPI ID and link it to your account number.
  • Step 4: Once the UPI ID is set, log in to your bank’s mobile banking app again.
  • Step 5: Select the ‘Pay’ option and click on ‘UPI Payment’.
  • Step 6: Click on the ‘Pay via UPI ID’ option under the ‘Send Money’ tab.
  • Step 7: Enter the amount to be paid along with the remarks and click on ‘Pay’.

How to Make HDFC Credit Card Offline Payment

If you are unable to pay your HDFC credit card bill online, you can opt to pay it using any of the offline payment methods mentioned below.

1. HDFC 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. Here is how you can do this.

  • Step 1: Insert the debit card from which you wish to pay the HDFC credit card dues.
  • Step 2: Select the ‘Main Menu’ option on the ATM screen.
  • Step 3: Click on the ‘More Options’ on the ATM screen.
  • Step 4: Then, select the ‘Make Credit Card Payment’ option from top left.
  • Step 5: Select the account that you would like to use for the bill payment from the following options that you’ll see on the screen — ‘Savings Account’ or ‘Current Account.’
  • Step 6: Enter the bill amount that you wish to pay for your credit card and select ‘Confirm.’
  • Step 7: Enter your 16-digit credit card number and select ‘Confirm.’
  • Step 8: Enter your 4-digit ATM PIN to proceed.

2. HDFC 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 dues in cash. However, the bank will charge you ₹100 for this service.

3. HDFC Credit Card Bill Payment through Cheque

You can also pay your HDFC credit card bill using a cheque. Here’s what you need to do in this case. 

  • Step 1: Write a cheque in favour of the HDFC Bank Card account followed by your 16-digit credit card number.
  • Step 2: Remember to mention your HDFC Bank credit card number, your name, and phone number on the back of the cheque. 
  • Step 3: Drop the cheque at a nearby HDFC Bank ATM or branch.

In case of any issues related to your bill payment, you can contact the HDFC Bank credit card customer care.

What is the Processing Time for Each HDFC Credit Card Bill Payment Method

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 left before the last HDFC credit card bill payment due date. This will allow you to avoid the credit card charges for late payment while also benefiting your credit score.

Below is a list of the different HDFC Bank credit card payment options along with the processing time associated with them.

Modes of HDFC CC Bill Payment Online

Expected Processing Time

HDFC Bank Internet Banking

Same day

HDFC Bank Mobile App

Same day

NEFT

1 working day

RTGS

1 working day

BillDesk

2-3 working days

Visa CardPay

2-3 working days

UPI

Instant

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Frequently Asked Questions About HDFC Credit Card Payments

✔️When should I pay my HDFC credit card bill to avoid a fine?

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 in the form of late payment charges.

✔️How can I pay my HDFC 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 in EMI?

Yes. If you are eligible, you can convert your HDFC credit card bill into EMIs and pay it over a tenure of your choice. The HDFC credit card EMI payment process is simple and can be easily paid online and offline. If you don’t own an HDFC credit card yet, apply for a credit card now!

✔️How can I pay my HDFC credit card bill through a debit card?

You can pay your HDFC credit card bill online with a debit card by entering the details of your debit card in the payment channel. Alternatively, you can also insert your debit card at any HDFC ATM, enter your PIN and choose to pay your credit card bill right away.