HDFC Bank, a leading financial institution in India, offers a range of credit cards packed with benefits like cashback, discounts, reward points, and exclusive offers.

To fully enjoy these perks, it’s essential to manage HDFC credit card payments responsibly. Timely bill payments help you avoid late payment charges and interest fees. HDFC Bank provides multiple payment options to ensure convenience for its customers.

Read on to explore the details of HDFC credit card payment methods.

How to Pay HDFC Credit Card Bill Online?

There are several easy ways to pay HDFC Credit Card bills online. Following is a list of online procedures:

• Netbanking 
• Mobile Banking
• NEFT
• RTGS
• Bill Desk
• Via 3^rd party apps (Cred etc.)
• Via PayZapp
• Via other UPI Apps (GooglePay, PayTM etc.)

How to Pay HDFC Credit Card Bill Offline?

If you are unable to make your HDFC credit card payment online, here are a few ways in which you can complete the process using offline mode:

• Using cheque
• Through the nearest ATM
• With cash
• Auto Pay

How to Pay Credit Card Bill via HDFC Netbanking?

Paying your HDFC credit card bill through NetBanking is a convenient and straightforward process. To ensure a smooth experience, follow these step-by-step instructions:

Step 1: Start by logging into your HDFC NetBanking account using your NetBanking ID and password. Ensure that you are using a secure and trusted internet connection.

Step 2: Once logged in, navigate to the 'Credit Cards' section. This section typically contains all the relevant information and options related to your HDFC credit card.

Step 3: Within the 'Credit Cards' tab, look for the option to 'Register New Card.' This option is usually located on the left-hand side of the screen. Click on it to initiate the card registration process.

Step 4: You will be prompted to enter your Credit Card details. Provide the necessary information, including the Credit Card number, expiry date, and the ATM PIN associated with your credit card.

Step 5: After entering the required details, click on the 'Submit' button.

To pay your HDFC Bank Credit Card bill:

Step 1: Use your NetBanking ID and Password to securely log in to your HDFC NetBanking account.

Step 2: Once logged in, locate and click on the 'PAY' tab in the main menu.

Step 3: Within the 'PAY' section, select the option specifically for 'Credit Cards.'

Step 4: Choose the type of payment you wish to make - whether it's the minimum amount due, the total outstanding balance, or a custom amount based on your preference.

Step 5: Review the payment details, including the selected card, payment type, and amount. Click on 'Confirm' to proceed with the payment.

How to Pay Credit Card Bill via Mobile Banking?

Here's how you can make your HDFC credit card payment via New MobileBanking App:

Step 1: Log in to the New MobileBanking App.  

Step 2: Provide your Customer ID/Password details or opt for Quick Access Pin login to access your account securely.

Step 3: Within the app, find the 'Pay' section and click on 'Cards' to proceed to credit card payments.

Step 4: Identify and choose the specific credit card linked to your account for which you intend to make a payment.

Step 5: Click on the 'Pay' option to start the payment process for the selected credit card.

Step 6: Opt for the desired payment type, whether it's the minimum amount due, the total outstanding balance, or a custom amount of your preference.

Step 7: Review the payment details, including the selected card and payment amount. Click 'Confirm' to proceed with the payment.

HDFC Credit Card Payment Through NEFT

NEFT is one of the methods used to make payments from other banks’ accounts. Follow these steps to make HDFC credit card payment through NEFT:

Step 1: Add your credit card to the beneficiaries list. 

Step 2: Enter your card details, such as your name, credit card number, IFSC code, and other details.

Step 3: After adding your HDFC credit card to the beneficiary list, choose your card, enter the amount, and confirm the transaction.

HDFC Credit Card Payment Through RTGS

RTGS can be used to pay your credit card bill from other bank accounts. It is preferred to pay amounts above Rs. 2 lakhs. Here is how you can complete the process:

Step 1: Visit 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 add the HDFC Bank credit card details.

Step 5: 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 6: Choose the ‘Beneficiary’ and enter the bill amount to be paid.

Step 7: Authenticate the details, accept the terms and conditions, and click on ‘Pay’.

HDFC Credit Card Bill Payment through Bill Desk

Here’s how you can pay your HDFC credit card bill payment through a non-HDFC Bank account:

Step 1: Go to the HDFC Bank Bill Desk page.  

Step 2: Enter the HDFC Bank Credit Card number and payment amount.

Step 3: Select your net banker from the drop-down and click on PAY.

Step 4: You will be securely redirected to the bank payment interface of your chosen net banking option.

Step 5: Enter your authentication details (user ID/password).

Step 6: Confirm your payment amount for HDFC Bank Credit Card. Your account will get debited online.

Step 7: You will receive an online transaction confirmation and a Transaction Reference Number.

Step 8: You will also receive an email acknowledgement of your transaction (if email ID is provided).

HDFC Credit Card Bill Payment through VISA CardPay

If you are an HDFC Bank account holder with an active net banking registration, you can conveniently settle your HDFC credit card payment using VISA CardPay. Follow these streamlined steps for a hassle-free payment experience:

Step 1: Log in to your HDFC Bank net banking account using your customer ID and password through your preferred bank's net banking portal.

Step 2: Head to the "Third Party Funds Transfer" tab within the net banking portal.

Step 3: Provide necessary details for both the sender (yourself) and the receiver (your HDFC Bank credit card). This ensures accurate transaction information.

Step 4: Select the specific bank account from which you want to initiate the payment for your HDFC Bank credit card.

HDFC Credit Card Payment Through Cheque

Here’s how you can pay your HDFC bank credit card bill payment through cheque:

Step 1: Make a payment by writing a cheque payable to HDFC Bank Card A/c, including your 16-digit credit card number. 

Step 2: Deposit the cheque at an HDFC Bank ATM or branch for processing.

HDFC Credit Card Payment Through ATM transfer

Here is how you can pay your HDFC bank credit card bill payment through a nearby ATM:

Step 1: Place your debit card into the ATM, selecting the one associated with the account from which you intend to make the credit card payment.

Step 2: Access the "Main menu" option, typically located on the right side of the ATM screen.

Step 3: Choose "More options" at the bottom right of the ATM screen to access additional functionalities.

Step 4: Opt for the "Make Credit Card Payment" option, positioned at the top left of the screen.

Step 5: Indicate the account you want to utilise for the payment, selecting either "Savings Account" or "Current Account."

Step 6: Specify the amount you wish to pay towards your credit card bill and press "Confirm."

Step 7: Input your 16-digit credit card number for the bill payment and confirm the accuracy of the entered information.

Step 8: Confirm the transaction by entering your 4-digit ATM PIN associated with your debit card to proceed.

HDFC Credit Card Payment Through Cash

You can settle your payment in cash by visiting any HDFC Bank branch counter or by depositing it at an HDFC ATM.

HDFC Credit Card Late Payment Charges

Late payment charges on an HDFC credit card are imposed if you do not settle at least the minimum amount by the due date. These charges are a fixed amount calculated based on the remaining balance. Check the table below to know in detail about the charges.

Payment Processing Time for the Various Methods

Here is a detailed list of the processing time for various payment methods.

Managing your HDFC credit card payments is simple and convenient with multiple options available. Choose from online methods like NetBanking and the mobile app, or opt for offline options such as NEFT or visiting a branch in person.

Enjoy seamless transactions, timely notifications, and secure payment gateways, all designed to keep you in control. Stay on top of your finances and make the most of the benefits offered by HDFC Bank credit cards.

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