Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Credit Card Bill Payment

    If you own an HDFC Bank credit card, you would be aware that the bank offers a high degree of flexibility when it comes to the payment of the credit card bill. The flexibility is in the form of the diverse and easy to use offline and online credit card payment methods, and you may choose one as per your convenience and preference.

    HDFC Bank Credit Card Bill Payment - Online Options

    HDFC account holders can pay their HDFC credit card bills through the following online methods.

    HDFC Credit Card Bill Payment Through Net Banking

    • If you are an HDFC accountholder, you can use the HDFC net banking facility to make your HDFC credit card bill payment. However, before availing the facility, you need to link your HDFC credit card to the net banking account.
    • Once you register your credit card, you can follow these steps to make the payment:
    • Log in to your net banking account.
    • Click on 'Credit Cards'
    • Under the 'Credit Card' tab on the left side of the screen, click on 'Transact'.
    • Select 'Credit Card Payment' and these select your credit card by clicking on 'Select Card Payment Type' and click 'Continue'.
    • Next, select 'From account and the credit card number'.
    • Now choose one from Last Statement Bal, Minimum Amount Due, or Other Amount. Continue and confirm.

    HDFC Credit Card Bill Payment Through Mobile Banking Application

    • You can use the HDFC mobile banking facility to make your HDFC credit card bill payment. However, before availing the facility, you need to link your HDFC credit card to the mobile banking account.
    • Once you register your credit card, you can follow these steps to make the payment:
    • Download the HDFC Mobile Banking application on your phone and log in to your account.
    • Click ''Pay'.
    • Select the amount you want to pay
    • Click on it and complete the payment.

    Using Autopay Option to Pay HDFC Credit Card Bill

    • You can use the Autopay option and set a standing instruction for the auto debit of the credit card outstanding from your HDFC savings account. This way, you can easily pay the total or the minimum amount due on your card every month.
    • To avail the Autopay facility, do the following:
    • Log in to your net banking account.
    • Visit the cards section and there you will see your registered credit cards.
    • Now on the left side of the screen, under Credit cards, click on 'Request' and then 'Autopay Register'.
    • Next, you would be prompted to select the details.
    • Click on 'Continue' and then 'Confirm'.
    • You would see the acknowledgement message on the screen.
    • Or you can also download the Autopay request form from www.hdfcbank.com/assets/pdf/autopay_form.pdf and send the duly filled form to
      • The Manager,
      • HDFC Bank Cards Division,
      • P O Box 8654, Thiruvanmiyur,
      • P.O, Chennai 600 041.
      • The Autopay facility would be activated within 7 days from the date of receipt of your application.

    Pay Credit Card Bill using Mobile wallets and Payment systems

    You can pay your HDFC credit card bills through UPI and mobile wallets such as PhonePe, PayTM, Google Pay, MobiKwik, etc. We will have a look at the steps you will have to follow to pay your credit card bills using UPI or mobile wallets.

    Bill Payment through PayTM

    • Open the PayTM app or visit the website.
    • Under ‘Recharge & Bill Payments’, click on ‘Credit Card payment’.
    • Click on ‘+ Pay another card’.
    • Enter your credit card number and if you want you can provide a nickname for it too.
    • You can then link your credit card to your PayTM account and once done, you can proceed to complete the payment of your credit card bill.

    Bill Payment through MobiKwik

    Bill Payment through Google Pay

    • Open the Google Pay app on your phone.
    • Click on ‘Pay bills’ and then click on ‘Credit card bill payment’.
    • Choose HDFC Bank Credit Card from the options available.
    • Enter your credit card number and add a nickname for it.
    • Click on ‘Link Account’.
    • Once your credit card is linked to your Google Pay account, you can pay your credit card bill whenever you want.

    Bill Payment through PhonePe

    • Open the PhonePe app on your phone.
    • Under ‘Recharge and Pay Bills’, click on ‘Credit Card Bill’.
    • Enter your credit card number and click on ‘Confirm’.
    • Once your credit card gets linked to your PhonePe account, you can then complete the payment of your credit card bill.

    HDFC Bank Credit Card Bill Payment - Offline Options

    HDFC account holders can pay their HDFC credit card bills through the following offline methods.

    ATM Funds Transfer to Pay HDFC Credit Card Bill Payment

    • You can walk into an HDFC Bank ATM, insert your debit card into the card slot, and select 'Credit Card Payment'.
    • Enter the details that you are asked for and complete the payment.
    • The amount can be paid from your savings or current account and this facility is available round the clock.
    • When you opt for this payment method, you would have to pay Rs.100 per transaction as the cash processing fee.

    Over the counter payment of HDFC credit card bill payment

    • To pay your HDFC credit card bill, you can walk into any branch of the HDFC Bank and pay your credit card bill in cash.
    • When you opt for this payment method, you would have to pay Rs.100 per transaction as the cash processing fee.

    Cheque payment of HDFC credit card bill

    • For paying your HDFC credit card bill via cheque, do the following
    • Issue a local cheque in the favour of "HDFC Bank Card A/c XXXX-XXXX-XXXX-XXXX", the X represents the 16-digit card number of your credit card.
    • Drop the cheque at any drop box located in any HDFC Bank ATM or HDFC Bank branch.
    • The amount would be credited to your credit card account within 3 working days.

    Payment Of HDFC Credit Card Bill Through NEFT At HDFC Branch

    • You can also visit any HDFC branch and request for the NEFT by using the IFSC Code HDFC0000128.

    HDFC Bank Credit Card Bill Payment for Non-HDFC Bank Account Holders Online

    • Visit https.//pgi.billdesk.com/pgidsk/pgmerc/hdfccard/HDFC_card.jsp
    • Type in your HDFC Bank card number and enter the payment amount
    • Choose your net banker
    • Click 'PAY’
    • You will then be redirected to the interface for bank payment of net banking
    • Type in your details for authentication like user ID and password
    • Confirm the payment amount
    • You will get confirmation of the transaction and the Transaction Reference Number
    • You will get an email with the acknowledgement of the transaction

    Benefits of Paying HDFC Credit Card Bill Online

    • It is a paperless method of bill payment.
    • It is very convenient to pay your credit card bills online as you can do it from your home and do not have to visit the bank.
    • You can set up standing instructions for the bank
    • The processing of the bill is faster when it is online.
    • There are generally no fees involved.

    Payment Processing Time for the Various Methods of Making HDFC Credit Card Payment

    Payment method Processing time
    HDFC Bank Net Banking Within 2 working days
    HDFC Bank Mobile Banking Application Within 2 working days
    Autopay Within 2 working days
    NEFT 24-48 business hours
    Cheque Payment 3 working days
    Non-HDFC Bank Net Banking 2 working days
    Non-HDFC Bank Mobile Banking 2 working days Application Within 3 working days
    Visa Money Transfer 2 working days
    BillDesk 3 working days
    Paytm 3 working days
    RTGS Instant
    BHIM/UPI Instant

    FAQs on HDFC Credit Card Bill Payment

    1. What is the minimum amount of HDFC credit card payment?

      The minimum amount is 5% of the outstanding amount or Rs.200, whichever is higher.

    2. Can I pay my HDFC credit card bill using my debit card?

      Yes, you can certainly pay your HDFC credit card bill using your debit card. Check the various payment methods mentioned above.

    3. After the HDFC credit card payment is done, how long does it take for the money to be credited to my credit account?
    4. The exact number of days needed for the money to be credited to your card account depends on the credit card payment method that you choose. Most methods usually take around 2-3 working days. Refer to the processing timetable listed above.

    5. How to check my HDFC credit card outstanding online via net banking?

      If you have registered your card on your HDFC net banking service, log in to it and select 'Cards'. Below the Credit Cards tab, click on 'Enquire', 'Account Information', and select your card.

    6. Can I pay only the minimum amount due on my HDFC credit card using the methods mentioned here?

      Yes, you can pay the minimum amount due, the total amount due, or any amount less than the total amount due using the payment methods listed here.

    7. How to pay the EMI on my HDFC credit card?

      Since the EMI is billed on your monthly credit card outstanding, you can use any of the payment methods mentioned here to make the payment.

    8. How can I know my HDFC Bank Credit Card bill?

      You can view your HDFC credit card bill via the net banking or mobile app portal. The bank will send you emails every month with the credit card bill.

    9. What is the credit free period for HDFC credit card payment?

      The credit free period is 20 to 50 days.

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