Your credit card statement is generated by the bank every month against your active HDFC Bank Credit Card. This document contains all the details of your credit card account and the billing amount for a particular cycle.
These periodically generated statements can help you check your finances more regularly. Read on to know how you can view, download and understand your HDFC Credit Card statement.
You can view your HDFC Credit Card statement online using any of the methods mentioned below:
Wondering ‘how to get the HDFC credit card statement?’ Simply use the net banking option. Here are the steps you can follow to check your Credit Card statement online.
Step 1: Log into your HDFC Bank net banking account
Step 2: Go to the 'Cards' section and select 'Enquire'
Step 3: Click on the 'View Statement' option
Step 4: Select the credit card for which you want to check the statement and click 'View'
Step 5: Now download the statement using the 'Click to View/Download' option
You can also check the statement via the mobile banking app with the same steps.
After downloading the HDFC Bank mobile banking app, the first step is to complete the registration process. Once done, follow the given process to view your HDFC Credit Card statement PDF file.
Log in to your HDFC Bank mobile banking app
Click on the ‘Credit Card’ tab and select your card
Choose ‘Download Bill Statement’ under the ‘Actions’ tab
Select the month for which you want to view the HDFC Credit Card statement online
Click on the download option to save your file
Visit your nearest HDFC Bank branch and request the bank representative for a copy of your HDFC Credit Card statement. Fill out a form and submit it. After processing your details, you will get your credit card statement.
You can also request the bank to send your HDFC Credit Card statement every month by post. For this, you have to provide a valid correspondence address while placing the request. The bank sends you the HDFC Bank Credit Card statement at the same address every month.
If you want to download your HDFC Credit Card statement, log in to the HDFC Bank website with your net banking credentials. You may also download the statement using the mobile application. Here are a few ways to download the statement.
Here are the steps to download your HDFC Credit Card statement with your net banking credentials.
Step 1: Log in to the HDFC net banking portal
Step 2: Under the ‘Cards’ select ‘Enquire’
Step 3: Click on ‘View Statement’
Step 4: Select the card and the time period for the statement
Step 5: Click on ‘View/Download’ to download the HDFC Credit Card statement PDF
To get the HDFC Credit Card statement on your smartphone, you must download the HDFC Bank MobileBanking App. Follow the process given below.
Go to the ‘Credit Card’ section
Select the ‘Download Bill Statement’ option
Select the preferred month for your credit card statement
Click on ‘Download’
Note that the HDFC Bank Credit Card e-statement is password-protected. So, enter the password combination (as mentioned in the email) to view your statement.
You can sign up to receive e-statements, which will be emailed to you every month. This eliminates the hassle of visiting the net banking portal to view your monthly statement.
To switch to HDFC Bank Credit Card e-statements, you can follow these steps.
Step 1: Visit HDFC Bank’s net banking portal
Step 2: Login and click the ‘Statement on Email’ link
Step 3: Choose ‘Residential Address’ or ‘Office Address’ to obtain the credit card e-statement
Step 4: Click the ‘Continue’ option
Step 5: Check all details and click the ‘Confirm’ button
After signing up, you will receive the e-statements on your registered email address every month on a particular date. To view your credit card e-statement, follow the process given below:
Search for an email with the subject ‘Email Account Statement of your HDFC Bank Account’
Open the email, and click 'View your Smart Statement', which is sent as an attachment
To open the password-protected file, you must enter your Customer ID
You can find your Customer ID on your HDFC Bank cheque book. Alternatively, you may request this service by visiting your nearest HDFC Bank and submitting the required forms. It is also mentioned in the ‘Welcome Letter’ of the Account Opening Kit.
Your HDFC Credit Card statement contains all the relevant information related to your credit card. Thus, it is essential that you pay close attention to the details included in the statement. Here is a quick breakdown of the information you will find in your credit card statement.
Statement Period: You can locate the statement period in the top right-hand corner of the statement. This indicates the duration for which you must make the credit card payment.
Payment Due Date: The payment due date is the deadline for paying the minimum or total amount due on your credit card. Missing this date can result in late fees and interest charges and may negatively impact your credit score.
Typically, you will have 20-25 days from the HDFC Bank Credit Card bill generation date to make the payment.
Total Amount Due: Total amount due includes all purchases made using the HDFC Bank Credit Card during the statement period. You must pay the total amount due on or before the due date to avoid interest charges.
Minimum Amount Due: If you cannot pay the total amount due, you must at least pay 5% of the total outstanding amount. This is the minimum amount you are required to pay before the due date to avoid late payment charges and other penalties.
Closing Balance: The closing balance on a credit card statement is the outstanding balance on your account at the end of a billing cycle. It includes purchases, cash advances, fees, and interest charges. This balance must be paid in full by the due date to avoid penalties and interest charges.
Interest-free Period: You are not charged interest on the payments made between the transaction date and the payment due date. This is known as the interest-free period.
Current Outstanding Balance: The current outstanding balance on a credit card is the total amount you must pay to the bank at any given time. You have to consider the old balance from the previous month while calculating the current outstanding balance.
Transaction History: All transactions made during the billing cycle are included in the transaction history section. This provides a detailed view of all transactions made during this period.
Reward Points: The reward points section on the HDFC Credit Card statement includes a summary of the rewards you earned and redeemed during the statement period.
The minimum amount due on your credit card is calculated as 5% of the total transaction amount within a billing cycle. If you have opted for EMIs on any purchases, they will be added to the minimum amount due.
To save the hassle of calculating manually, the minimum amount due is mentioned on the HDFC Credit Card statement.
This way, you can view your credit card transactions periodically, helping you manage your finances better. You can always contact the HDFC Bank customer care team to address any concerns you have.
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You are given access to an HDFC Bank Credit Card e-statement or electronic statement at regular intervals of 30 days.
Physical statements are no longer issued when you request an online credit card statement.
You can access the HDFC Credit Card statement by sending your request to 7308080808, free of cost. The best part is there is no need to remember long, pre-defined KWs, as their AI technology will understand your exact requirement.
You can check the unbilled statement using net banking or the mobile app.
Contact the HDFC Bank customer care number at 1860-267-6161 to report the error in your HDFC Bank Credit Card statement within 30 days. The bank will address and correct the issue in the next monthly statement.
Your HDFC Bank Credit Card billing date is also known as the statement date. The credit card statement is generated every month on this date and can be found on the first page of your statement.
HDFC Bank Credit Card statements are password-protected so that they can be viewed only by authorised personnel. The password typically consists of the first four letters of your name and the last four digits of your credit card.
For example, if your name is Ajay Singh, and the last four digits of your credit card are 0123, your HDFC credit card statement’s password will be AJAY0123.