Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    How to Link Credit Card to HDFC Bank Account

    A credit card can be useful in situations where you do not possess the required amount of physical cash to make a payment. This 85.60mm by 53.98mm piece of plastic is a valuable tool to have especially if you live a lifestyle that demands a certain level of luxury and living conditions. Living in a metro can be expensive and a credit card brings with it a certain level of convenience. There are a number of benefits that an individual can receive when a credit card is used.

    The main use of a credit card is to make payments for the purchase of goods or services from a merchant shop or Point of Sale (POS). This amount that is spent using the credit card, will have to be repaid to the credit card company by the user. These payments are generally made on a pre-determined date that has been set by the credit card company.

    Another prominent use of a credit card is to make bookings and purchases online. It is a very important move to make when you want to link your credit card to your bank account. This comes with a number of benefits such as:

    • Using your credit card to make payments online
    • Autopay facility is available for HDFC credit cardholders that pays your outstanding credit card bill amount automatically by using the funds in your bank account on the repayment due date of every month
    • You can view and make a request for your bank statement via email
    • You can change the ATM PIN of your credit card online

    How do I link my HDFC credit card to my bank account?

    Linking your credit card to your bank account is an important step that all credit card owners should follow. Your money is just a single swipe away and it also allows you to have easy access to your cash. Not only is it risky to carry large denominations of money around, it can also be very inconvenient. Linking your HDFC credit card is simple and easy when you follow the steps listed below:

    • You will have to visit the official website of HDFC Bank and click on the “NetBanking” button that is located on its home page and then click the “LOGIN” button
    • A new tab will pop up after which you will have to click on the “Continue” button
    • You will be required to enter your login details such as your Customer ID and password after which you will have to click on the continue button
    • Select and click the “Register New Card” link
    • You will be required to enter your credit card details such as card number, expiry date, and ATM PIN after which you will have to click on the “Submit” button
    • As soon as you have clicked on “Submit”, an OTP will be sent to your registered mobile number
    • Enter the OTP and click on “Submit”

    Registration for this facility is required only once after which you can enjoy the ability of easily accessing your credit card at any time of your choice.

    If you have not registered for the NetBanking facility, you will have to go to the nearest HDFC branch and get a registration form for the same. You can even get this form online from the official website of HDFC bank. Once you submit the duly filled form to the bank, they will send an IPIN which is a NetBanking password that you will require to register for this facility.

    How to make credit card payments

    There are a number of banks that offer the facility of making credit card payments through a plethora of payment channels making life a lot easier for a customer. Here are some of the most common channels used by individuals to make their payments:

    • Net banking
    • Cheque/Draft payment at branch
    • NEFT
    • Auto-debit facility
    • Cash payment at a branch
    • Through debit cards
    • Using the bank’s mobile app

    The facility for clearing your credit card dues by using a debit card, though not commonly offered by banks, is a very convenient method used by individuals to make their payments.

    Credit cards have become a vital tool to possess for anybody living in this country. Not only does it act as a financial safety net in times of trouble, it also makes life so much more convenient. Flexibility in the payment of bills and various convenient modes of payments offered by banks have made credit cards an important tool to possess when we step out of our home.

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