HDFC Credit Card Bill Payment

Paying your HDFC credit card bill is a straightforward process. You can do it online through the HDFC Bank website or mobile app, where you can link your bank account, enter the bill amount, and make a payment. Additionally, you can set up automatic payments to ensure timely payments. If you prefer offline methods, you can pay at an HDFC Bank branch or drop a check at an HDFC ATM or dropbox. It’s crucial to pay your bill before the due date to avoid late payment fees and maintain a good credit score.

How to Make your HDFC Credit Card Bill Payments Online?

Making HDFC credit card bill payments online is a convenient and straightforward process. You can choose from various methods to make your payments, including through the HDFC Bank website, mobile banking apps, net banking, or third-party payment platforms. Here’s a different methods to make HDFC credit card bill payments online:

Net Banking

You can pay your HDFC Credit Card bill using Net Banking in just a few simple steps:

1. Log in to HDFC Net Banking:

  • Visit the HDFC Bank website.
  • Access your HDFC Net Banking by entering your unique Customer ID and Password.

2. Access Credit Card Section:

  • Once logged in, locate and click on the “Credit Card” tab or option in your Net Banking dashboard.

3. Choose Bill Payment:

  • In the Credit Card section, you will find an option for “Credit Card Bill Payment” or something similar. Click on it.

4. Enter Payment Details:

  • Enter your HDFC Credit Card number and the amount you want to pay.

5. Select Payment Account:

  • Select the bank account you wish to use for your payment.

6. Confirm Payment:

  • Review the payment details and click on “Confirm” or “Pay” to initiate the payment.

7. Authentication:

  • You may need to enter a One-Time Password (OTP) or use any other authentication method required by the bank.

8. Payment Confirmation:

  • After successful authentication, your HDFC Credit Card bill payment will be processed, and you will receive a confirmation message.

Mobile App

To pay your HDFC Credit Card bill using the HDFC Mobile App in steps:

  1. Download and Install the HDFC Mobile App: If you don’t have it already, download and install the HDFC Mobile Banking App from your device’s app store.
  2. Login or Register: Open the app and log in with your HDFC net banking credentials or register if you haven’t already.
  3. Locate Credit Card Section: Inside the app, navigate to the “Credit Cards” section. This may vary slightly based on the app’s version, but you should find an option related to credit cards on the app’s main screen.
  4. Select “Credit Card Payment”: In the Credit Cards section, choose the option that says “Credit Card Payment” or something similar.
  5. Choose Payment Method: Select the bank account from which you want to make the payment. You may need to link your bank account if you haven’t done so already.
  6. Enter Payment Details: Enter the amount you want to pay towards your HDFC Credit Card bill.
  7. Confirm and Make Payment: Review the payment details, ensure they are accurate, and then confirm the payment. You may need to authenticate the transaction using a One-Time Password (OTP) or other security measures.
  8. Payment Confirmation: Once the payment is successful, you will receive a confirmation message or notification.
  9. Receipt: You can also download or save the payment receipt for your records.

NEFT

Paying your HDFC Credit Card bill using NEFT (National Electronic Funds Transfer) involves transferring funds from your bank account to your HDFC Credit Card account electronically. Here are the steps to make an HDFC Credit Card bill payment using NEFT:

1. Log in to Your Bank’s Internet Banking:

  • Visit your bank’s official website and log in to your internet banking account.

2. Add HDFC Credit Card as a Beneficiary:

  • Go to the “Add a Beneficiary” or “Manage Payees” section in your internet banking account.

3. Fill in Beneficiary Details:

Provide the following beneficiary details:

  • Beneficiary Name: HDFC Credit Card (or your name as on the card)
  • Beneficiary Account Number: Your HDFC Credit Card number
  • IFSC Code: HDFC0000128 (This is the common HDFC Bank IFSC code for credit card payments)
  • Bank Name: HDFC Bank

4. Confirm Beneficiary:

  • Confirm the beneficiary details and save them.

5. Initiate NEFT Transfer:

  • Select the option to make an NEFT fund transfer.
  • Choose the beneficiary (HDFC Credit Card) you just added.

6. Enter Payment Details:

  • Enter the amount you want to pay toward your HDFC Credit Card bill.

7. Review and Confirm:

  • Please examine the payment information carefully and verify the transaction once more before confirming it.

8. Make Payment:

  • Authenticate the transaction as per your bank’s security protocols, which may include providing an OTP (One-Time Password).

9. Payment Confirmation:

  • Once the NEFT transfer is successful, you will receive a confirmation message, and the payment will be credited to your HDFC Credit Card account within a few hours to a couple of business days, depending on your bank’s processing time.

10. Keep the Transaction Reference Number:

  • Note down the NEFT transaction reference number for future reference.

RTGS

Paying your HDFC Credit Card bill using the Real-Time Gross Settlement (RTGS) system involves transferring funds from your bank account to HDFC Bank electronically. Here are the steps to pay your HDFC Credit Card bill using RTGS:

1. Visit Your Bank: Go to your bank’s branch or use your bank’s internet banking platform. You can’t initiate an RTGS transaction without access to your bank’s online banking services.

2. Log In: Log in to your bank’s internet banking portal using your credentials, including your username and password.

3. Add HDFC Bank as a Beneficiary:

Navigate to the “Fund Transfer” or “Payments” section.
Select “Add a New Beneficiary” or a similar option.
Choose “Other Bank Account” or “NEFT/RTGS” as the type of beneficiary.

4. Provide HDFC Bank Details:

Fill in the HDFC Bank details as follows:

  • Beneficiary Name: Enter “HDFC Credit Card – Your Name” (e.g., “HDFC Credit Card – John Doe”).
  • Beneficiary Account Number: Enter your HDFC Credit Card number.
  • Bank Name: HDFC Bank.
  • Bank Branch: The location of your HDFC Credit Card’s processing branch.
  • IFSC Code: Find the IFSC code of your HDFC Credit Card’s processing branch. You can usually find this information on your HDFC Credit Card statement or the HDFC Bank website.

5. Verify the Beneficiary: Your bank may send a one-time password (OTP) or ask for additional authentication to verify the new beneficiary.

6. Initiate RTGS Transfer:

  • Once the beneficiary is added and verified, go to the “Fund Transfer” or “Payments” section again.
  • Select “Transfer Funds Using RTGS” or a similar option.
  • Choose the newly added HDFC Credit Card beneficiary.
  • Enter the amount you want to pay towards your HDFC Credit Card bill.

7. Review and Confirm: Double-check all the details, including the beneficiary information, amount, and any additional charges that may apply.

8. Authorize the Transaction: Confirm the transaction by providing any required authentication details, such as an OTP.

9. Transaction Confirmation: Once the transaction is done, you’ll get either a confirmation message or a reference number. Remember to jot it down for your records.

10. Bill Payment Confirmation: Wait for a confirmation email or SMS from HDFC Bank that your credit card payment has been received and processed. This usually takes a few hours to a couple of business days, depending on the bank and the time of the transaction.

UPI

To pay your HDFC credit card bill using UPI in steps, follow these instructions:

  1. Open your preferred UPI-enabled payment app (e.g., Google Pay, PhonePe, or your bank’s mobile app).
  2. Select either the “Pay” or “Send Money” function.
  3. Choose the “UPI ID” or “Send to UPI ID” option.
  4. Enter the HDFC credit card bill payment recipient’s UPI ID. Typically, the UPI ID for HDFC credit card payments is “hdfcbank.cc@hdfcbank.”
  5. Please input the amount you intend to pay for the bill.
  6. Add an optional remark or description if required.
  7. Verify the payment details, including the recipient’s UPI ID and the payment amount.
  8. Confirm the payment.
  9. You may be prompted to enter your UPI PIN for security purposes.
  10. Upon successful payment, a confirmation message will be sent to you.

BillDesk

To pay your HDFC credit card bill using BillDesk, follow these steps:

  1. Visit the HDFC Bank’s official website: https://www.hdfcbank.com/
  2. On the homepage, hover over the “Pay” section and select “Cards” from the dropdown menu.
  3. Navigate to the “Credit Card Payment” area and select the option labeled “Pay Now.”
  4. You’ll be redirected to a page where you can enter your HDFC credit card details, including the card number and the payment amount.
  5. Next, you’ll see multiple payment options. Choose “BillDesk” as your preferred payment gateway.
  6. Click “Pay” or “Submit.”
  7. You’ll be redirected to the BillDesk payment portal, where you can select your bank account and complete the payment process.
  8. Follow the on-screen instructions to make the payment securely.
  9. Once the payment is successful, you’ll receive a confirmation message, and your HDFC credit card bill will be paid.

How to Make your HDFC Credit Card Bill Payments Offline?

You can make your HDFC Credit Card bill payments offline using several methods:

Cash

To pay your HDFC Credit Card bill offline with cash, follow these steps:

1. Visit an HDFC Bank Branch: Locate a nearby HDFC Bank branch in your area. You can use the HDFC Bank branch locator on their official website or contact their customer service for assistance.

2. Fill out the Pay-in-Slip: When you reach the HDFC Bank branch, ask for a credit card bill payment pay-in-slip at the counter.

3. Provide Your Details: Fill in the pay-in-slip with the following details:

  • Your HDFC Credit Card number.
  • Your name as it appears on the credit card.
  • Contact number.
  • The payment amount in cash.

4. Make the Payment: Hand over the filled pay-in-slip along with the cash payment to the bank teller.

5. Receive Confirmation: After processing your payment, the bank teller will provide you with a payment receipt as proof of payment. Keep this receipt for your records.

6. Payment Posting: It may take a day or two for the payment to reflect in your HDFC Credit Card account. Make sure to pay your bill well before the due date to avoid late payment charges.

Cheque

To pay your HDFC Credit Card bill offline through a cheque, follow these steps:

1. Write a Cheque:

  • Make a cheque payable to “HDFC Bank Card A/C” followed by your 16-digit HDFC Credit Card number.

2. Fill in Details:

  • On the back of the cheque, mention your name and contact number.

3. Drop at HDFC Branch or ATM:

  • Visit the nearest HDFC Bank branch or ATM.
  • Use the dropbox facility available at the branch or ATM to deposit the cheque.

4. Confirmation:

  • The payment will be processed, and you will receive an acknowledgment via SMS or email once the payment is credited to your credit card account.

ATM funds transfer

You can pay your HDFC Credit Card bill offline through an ATM funds transfer using the following steps:

1. Visit an HDFC Bank ATM:

  • Locate the nearest HDFC Bank ATM in your area.

2. Insert Your HDFC Credit Card:

  • Insert your HDFC Credit Card into the ATM’s card slot.

3. Select the “Credit Card Payment” Option:

  • Check the ATM screen for a range of choices. Locate and choose either the “Credit Card Payment” or “Credit Card Bill Payment” option.

4. Enter the Required Information:

  • The ATM will prompt you to enter information such as your HDFC Credit Card number, the bill amount you want to pay, and any other required details.

5. Confirm the Payment:

  • Review the information you entered to ensure it’s accurate.
  • Confirm the payment amount and any other details.

6. Complete the Transaction:

  • Once you’ve confirmed the payment details, the ATM will process the transaction.
  • The ATM will dispense a receipt as proof of payment.

7. Keep the Receipt:

  • Make sure to keep the receipt for your records.