HSBC Credit Card Payment Methods

HSBC Credit Card Bill Payment

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HSBC Bank Credit Card Bill Payment Methods

**Disclaimer: HSBC is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

Paying your HSBC credit card bill within the due date is critical to enjoying the benefits of the card without any hiccups. With on-time HSBC credit card bill payment, you can do away with the need to pay interest charges or late payment fees as well as have a higher available credit limit. Timely HSBC card bill payment also helps build your credit score, thereby improving your chances of securing credit in the future. Luckily, HSBC Bank credit card payment can be done both online as well as offline to ensure convenience and security. Read on to know everything about the different modes of payment.

How to Initiate HSBC Credit Card Payment Online?

If you want to make your HSBC credit card bill payment online, you can avail any of the methods mentioned below and clear your bills in a hassle-free way.

1. HSBC Credit Card Payment Through Net Banking

You can complete your HSBC CC bill payment easily through your net banking account. However, you must first register for HSBC’s net banking service and link your credit card by providing the card details such as name, card number, CVV, etc. Once registered, follow the steps mentioned below to make your credit card bill payments.

  • Visit HSBC Bank's net banking page.

  • Log in with your user ID and password.

  • Go to the 'Payment & Transfer' tab.

  • Select your credit card as the biller and enter the amount to be paid.

  • Authenticate the request to complete the payment.

2. HSBC Credit Card Online Bill Payment through Mobile Banking

If you have an HSBC credit card bill to pay, you can use the mobile banking app too. Here are the steps for the same:

  • Download and sign up for HSBC mobile app.

  • Log in with your credentials.

  • Go to the ‘Credit card’ section and click on ‘Pay Now’.

  • Choose whether you want to pay the Total Amount Due or the Minimum Amount Due.

  • Authenticate the transaction to complete the payment.

3. HSBC Credit Card Bill Payment through Visa Money Transfer

Visa credit cardholders can make the HSBC credit card payment through Visa Money Transfer by following the steps mentioned below:

  • Log in to your bank’s net banking account.

  • Select the ‘Visa Money Transfer’ option.

  • Go to the ‘Add billers’ section and add your credit card as a biller by providing the necessary details.

  • Once the card has been added, proceed to make the HSBC card bill payment by clicking on ‘Pay Now’.

  • Enter the amount to be paid and authenticate the transaction.

4. HSBC Credit Card Payment through NEFT

To pay your HSBC credit card bill through National Electronic Fund Transfer (NEFT) follow the steps mentioned below:

  • Log in to your HSBC Credit Card net banking account.

  • Go to the Fund Transfer tab and select ‘Add a beneficiary’.

  • Enter the 16-digit card number as your account number, along with the bank name, and HSBC credit card payment IFSC code as ‘HSBC0400002’.

  • Verify and click on ‘Submit’.

  • Once registered, go to the fund transfer section, and choose NEFT as your preferred mode of transfer.

  • Against payee select the HSBC Bank credit card.

  • Fill in the required details along with the amount.

  • Authenticate and complete the payment.

Do note that it can take anywhere between 4 to 24 hours to register a beneficiary. Banks may also have a limit on the amount that can be transferred within the first 24 hours post registering a beneficiary. It is therefore wise to plan the process well before the HSBC credit card payment last date.

5. HSBC Bank Credit Card Payment Online through Electronic Clearing System

If you want to make your HSBC credit card payment from any other bank account, you can do so using the Electronic Clearing System (ECS). This allows the bank to automatically debit the outstanding amount on your credit card from your bank account. Do note that HSBC credit card payment via ECS is available in select cities only.

6. HSBC Credit Card Payment Online through BillDesk India

You can pay your HSBC credit card bill through BillDesk in a few easy steps. These are as follows:

  • Visit the BillDesk Portal of HSBC on http://billdesk.com/hsbccard/

  • Choose the ‘Make payment’ option

  • Enter your email address, SBI credit card number, mobile number, amount to pay and the mode of payment

  • Click on 'Pay Now' to complete the transaction based on the mode you selected

You will be updated about your BillDesk HSBC credit card payment status on your registered mobile number and email ID.

7. HSBC CC Payment through Standing Instructions

HSBC credit card payment can be done online by setting up standing instructions for payment too. This allows the bank to automatically debit the partial outstanding amount/ total outstanding amount (based on your choice) from your account on the payment due date. You can avail the service from the bank’s net banking account or mobile app under the ‘Credit Card’ section, or by visiting your nearest branch. Do note that you can disable the standing instructions at any time.

8. HSBC Credit Card Bill Payment through PayU

If you have an HSBC Visa credit card, you can pay your HSBC Bank credit card bill from both your HSBC or non-HSBC account through the PayU payment service. Here is what you need to do

  • Visit the third party website on https://securepayments.payu.in/hsbc-credit-card-paymenthttps://securepayments.payu.in/hsbc-credit-card-payment.

  • Enter your HSBC credit card number, along with your email ID and mobile number.

  • Fill in the amount to be paid.

  • Select the bank account from which you want to debit the funds.

  • Click on ‘Submit’.

  • Once redirected to the bank pay, authenticate the transaction to complete the payment.

9. HSBC Credit Card Bill Payment through UPI

You can also make your HSBC credit card bill payment through Google Pay or any other Unified Payments Interface (UPI). Here are the steps you need to follow:

  • Download, sign up, and log in to the UPI app.

  • Create your Virtual Payment Address or VPA and set your UPI PIN.

  • Enter the bank details requested.

  • Add the HSBC credit card as your beneficiary by entering the credit card details such as HSBC Credit Card IFSC Code, bank name, etc.

  • Under the UPI Payments section, click on Send Money.

  • Select the beneficiary and enter the bill amount and click on ‘Pay’.

  • Authorise and validate with MPIN.

  • Click 'Submit' to complete the transaction.

10. HSBC Bank Credit Card Bill Payment Online Using Visa Money Transfer

If you own a Visa credit card from HSBC Bank, you can use the VISA Money Transfer option to pay your credit card bills through your bank account. The steps to follow are:

  • Log in to your HSBC credit card net banking portal.

  • Go to ‘Funds Transfer’ and select the ‘Visa Money Transfer’ option.

  • Fill in the details for both the sender and the recipient.

  • Click on ‘Confirm’ to authenticate and complete the transaction.

What are the HSBC Credit Card Payment Options Offline?

To pay your HSBC credit card bill offline, you can use any of the channels mentioned below:

1) HSBC CC Payment by Cheque

To make HSBC Bank credit card payment by cheque, the steps to follow are:

  • Visit your nearest HSBC Bank branch.

  • Fill in and submit the payment receipt.

  • In the cheque, mention the HSBC Bank credit card number as the payee.

  • Write down the bill amount and authenticate with your signature.

  • Hand over the cheque.

  • For future reference, collect the acknowledgement receipt.

Alternatively, you can drop the cheque at one of the cheque-drop boxes located at an ATM. Do remember to mention your name and phone number on the back of the cheque.

2) HSBC CC Bill Payment Using Cash

To make HSBC Bank credit card payment by cash, the steps to follow are:

  • Visit your nearest HSBC Bank branch.

  • Fill in and submit the payment receipt.

  • Pay by cash.

For future reference, collect the acknowledgement receipt. Do note that cash payments attract a service charge of ₹100 per payment.

3) HSBC Credit Card Payment through PhoneBanking

To make your HSBC Bank credit card payment over the call from your HSBC bank account, you can do so through the PhoneBanking service. Simply reach out to the HSBC credit card customer care on 1800 267 3456/ 1800 121 2208 and follow the steps for bill payment. You would need to validate the request with your PIN to ensure the transaction is successful.

4) HSBC Credit Card Payment via ATM

You can make your HSBC bank credit card bill payment using a debit card at an ATM too. The steps you would need to follow are mentioned below:

  • Go to an HSBC Bank ATM.

  • Swipe your debit card on the slot provided.

  • Click on the ‘Services’ tab and choose the ‘Bill Pay’ option.

  • Enter your HSBC bank credit card number as well as the amount you have to pay.

  • Click on ‘Pay’ to authenticate and complete the transaction.

Processing Time for the Various HSBC Credit Card Payment Methods

The time taken by various funds transfer methods are given below:

Payment Method

Processing Time

NEFT

>=2 working days

PayU

>=2 Working days

Net Banking

Same Day

HSBC Mobile Banking

Same Day

Visa Money Transfer

>=5 working days

UPI

Instantaneous

Electronic Clearing House

On due date

Bill Desk

>= 3 working days

PhoneBanking

Same Day

ATM

Same Day

Cheque/Draft

>= 2 days (Local Cheques)

>= 5 days (Out of Station Cheques)

Cash at branch

Same day

Frequently Asked Questions

  • ✔️How can I pay my HSBC credit card bill?

    You can pay your HSBC credit card bill online via netbanking, mobile banking, National Electronic Fund Transfer, BillDesk, PayU, Visa Money Transfer, Electronic Clearing System, or by setting up standing instructions. Offline, you can clear your HSBC credit card dues via cheques, cash, through PhoneBanking or via an ATM.

  • ✔️How can I pay my HSBC credit card bill instantly?

    If you want to clear your HSBC credit card bill instantly, the shortest processing time is for payments made through net banking, mobile banking, PhoneBanking, ATM and branch visit.

  • ✔️How do I check my HSBC credit card balance?

    Once you log in to your HSBC net banking account or mobile app, you can check your HSBC credit card balance under the ‘Credit Card’ section. Alternatively, you can visit an ATM, visit the nearest bank branch, or call the HSBC credit card customer care at 1800 267 3456/ 1800 121 2208 to know your credit card balance.

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