**Disclaimer: HDFC Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.
HDFC Bank generates a document against your active HDFC credit card every month. This document lists out all the details related to your credit card account and is known as an HDFC Bank credit card statement. You can use the HDFC Bank credit card statement to get a holistic view of your card usage. As statements are generated periodically, it can help you check your finances more regularly. There are no charges involved in availing HDFC bank credit card statements online or offline.
The HDFC card statement offers insights with regards to your account so that you are well-informed about your financial health. You can use the information available on the HDFC credit card bill statement in several ways.
Track your spending pattern and budget better by comparing HDFC Bank credit card bill statements for past months
Spot billing errors or unscrupulous activities on your credit card from the statement
Understand the fees and charges levied based on your credit card usage
View your payment due date to avoid finance charges
Check your accumulated rewards to enjoy maximum savings on your transactions
Your HDFC Bank credit card bill statement lists out all the details related to your credit card. Let us take a look at what these details mean.
Total outstanding amount: This is the total money that is outstanding against your HDFC Bank credit card. It is an aggregate of pending payments from the current and past billing cycles.
Payment due date: This is the date by which you are required to pay your HDFC Bank credit card outstanding amount.
Minimum amount due: This is a part of the total outstanding bill that you must pay by the payment due date to avoid late payment charges and keep your HDFC Bank credit card active.
HDFC Credit Card Billing Cycle -The number of days between the previous date of statement and the current date of statement is called a credit card’s billing cycle. It usually ranges from 20 to 45 days, depending on the provider of the service. The billing cycle, i.e. the period between two HDFC credit card’s billing generation dates, is 30 days.
Interest-free period: This is the timeframe between the date of the transaction and the payment due date of the billing cycle when you are not charged any interest against the transaction amount.
Credit Limit: The HDFC Bank credit limit refers to the amount you can borrow on your credit card for your transactions.
Cash Limit: The HDFC Bank cash limit refers to the amount of money you can withdraw as cash from your HDFC Bank credit card.
Transaction history: This is a list of all the transactions made on your credit card in a given billing cycle. Your HDFC credit card monthly statement describes each transaction in detail along with the date and amount spent.
Reward points: This includes details of your earned and redeemed reward points and is mentioned at the end of your HDFC Bank card statement.
Any critical information related to your card usage or special offers that you can avail may also be included in your HDFC credit card transaction statement. Finance charges, if any, as well as other fees and charges based on usage are also mentioned in the statement.
You can view your HDFC credit card statement online using any of the methods mentioned below:
The first step for HDFC credit card statement download is to go to the Bank’s official website and register. Once you are registered, you can log in and follow the below-mentioned steps to view the HDFC card statement online.
Click on the ‘Credit Cards’ tab.
Once redirected, click on ‘View Statement’ under the ‘Enquire’ option.
Select the card for which you want to view the HDFC credit card statement.
Select the time period and click on ‘View’.
For HDFC credit card statement download, you would need to click on the ‘Click to View/Download’ button.
Note: The HDFC Bank credit card e-statement is password-protected. You would need to enter the HDFC credit card statement password combination (as mentioned in the email) to view the file.
After you download the HDFC Bank mobile banking app and complete the registration process, you would need to follow the below-mentioned steps to view your HDFC credit card statement PDF.
Log in to your HDFC Bank mobile banking app.
Click on the ‘Credit Card’ tab and select your card.
Under ‘Actions’, click on ‘Download Billed Statement’.
Choose the month for which you want to view the HDFC card statement online.
Click on the HDFC Bank credit card statement download option to save.
If you do not have access to the internet, you can access your HDFC credit card statement offline using any of the methods mentioned below:
You can visit your nearest HDFC Bank branch and request the bank representative for a copy of your HDFC credit card statement. For this, you would need to fill up a form and submit it at the branch.
You can also request the bank to send your HDFC credit card statement every month by post. You would need to mention a valid and updated correspondence address while placing the request. The bank will then send you the HDFC credit card statement at the same address every month.
If you see any inaccuracies in your HDFC credit card statement, you need to contact your bank immediately. Once you get in touch with the bank, you will have to submit the documents required. When you take a look at your HDFC credit card statement and notice what appears to be a potential error, here is what you need to do:
Get clarity: Contacting your credit card provider might assist you get answers when you are unclear about a credit card bill. A bank representative can explain the charges in further detail and assist you in determining whether there was a billing error. For instance, it's typical to mistake an authorization hold for a double charge. When you make a transaction and it appears that you have been charged twice, it is actually only an authorization hold. When your bank places a hold on your account to see if you have the money to pay for the purchase, this is known as an authorization hold.
Due to this, the same amount appears twice under "pending transactions," giving the impression that you received a double charge. You weren't actually charged twice. Your account would only be charged once, and your authorization hold would eventually be lifted.
Contact your merchant: If a merchant is involved in a billing mistake, you must first get in touch with the merchant and attempt to work out a solution with them. In fact, before you file a formal dispute, credit card companies typically demand that you try to work out a solution with the merchant. Most retailers will make the necessary corrections if the billing error is true.
If you want to do away with the need to check the HDFC credit card statement online from the netbanking portal, you can opt to receive your monthly bill in the form of e-statements. To apply for the service, you would need to follow the below-mentioned steps:
Log in to the HDFC Bank netbanking portal.
Click on the link that says, ‘Statement on E-mail’.
Choose ‘Office Address’ or ‘Residential Address’ to receive the HDFC Bank credit card e-statement on the associated email ID.
Click on ‘Continue’.
Review your choice and click ‘Confirm’.
Once you sign up for this, you will receive an e-statement on the registered email address on a particular date every month. To view your smart statement:
Go to the ‘Updates’ section on your email.
Search/look for the subject line “Email Account Statement of your HDFC Bank Account…”.
Open the email and click on 'View your Smart Statement'.
To view the password-protected file, you would need to enter your Customer ID. Your Customer ID is mentioned on your HDFC Bank cheque book or the ‘Welcome Letter’ sent in the Account Opening Kit.
You could also request the service by visiting the nearest HDFC Bank and filling up the required forms.
You can check your HDFC credit card statement online or offline, depending on your preference. Online, you can check your HDFC Bank credit card statement via the bank’s netbanking portal or the mobile app or by registering for the e-statement. Offline, you can get access to your HDFC credit card statement via post or by visiting the nearest HDFC Bank branch.
You can download your HDFC credit card statement online from the bank’s netbanking portal or the mobile banking app.
The HDFC credit card statement lists your account summary with the credit and debit details along with credit limit, cash limit, payment due date, minimum and total due amount as well as charges and fees levied. The HDFC bank credit card statement also has the summary of your reward points, past dues, and transaction details of the last billing cycle.
No, there is no cost associated with using the HDFC bank's eStatements service.
The total of your charges and payments made over the course of one billing cycle makes up your statement balance. The total of all interest, charges, payments, and credits made to the account is the current balance.