HDFC Bank offers various hassle-free ways to pay your credit card bills using both online and offline channels. HDFC credit cardholders can choose one of payment methods based on their convenience. Except for bill payment in cash at HDFC branch offices, most of the other payment options are free of charge. However, as the processing time for each mode of payment is different, customers need to be aware about the same while choosing the payment mode.
HDFC offers a range of online payment modes including net banking, NEFT / VISA money transfer, HDFC Autopay, etc. Offline payment modes include cash payment at HDFC bank branches, cheque payment and ATM funds transfer.
If you want to make HDFC Credit Card payment using other bank debit cards, you need to make sure that your card is registered for net banking service provided by your bank. Currently, HDFC accepts credit card payment from 60 banks across the country including two digital banks. If you have a debit card of any one of the banks along with net banking access, you can pay your credit card bill through HDFC’s ‘Bill Desk’ facility.
On successful transaction, the payment will be credited to your HDFC credit card account in 3 working days. HDFC will also send an acknowledgement e-mail to your registered e-mail address.
As many of our readers are looking for a means to pay HDFC credit card bill using SBI debit card, we would like to provide related details to clear their concerns.
As discussed earlier, HDFC offers debit card payment from around 60 banks including SBI. You can pay HDFC credit card payment through SBI debit card provided you have internet banking account to your SBI savings account. By SBI savings account, we mean the account related to your SBI debit card from which you would like to make payment to HDFC credit card. If you have SBI net banking account, you can use HDFC Billdesk to make the payment online. The detailed method to make HDFC credit card payment using Billdesk is already mentioned above.
ATM funds transfer is the only payment option that allows HDFC Credit Card payment using a debit card. However, only HDFC debit cardholders can use the facility as the bank is currently not accepting other banks debit cards for bill payment through ATM. If you are an HDFC debit cardholder, follow the instructions provided below to pay your credit card bill using your debit card.
Steps To Pay HDFC Credit Card Bill through A Debit Card (Offline)
Your HDFC account linked to your debit card will automatically get debited with the amount, while your credit card account is likely to get credited on the same day.
You can pay your HDFC credit card bill using an SBI debit card if you have internet banking account to your SBI savings account related to the debit card. Once you have internet banking access, you can use HDFC’s Billdesk to pay the credit card bill.
Currently, HDFC accepts only HDFC debit cards to make credit card payments through its ATMs. If you want to use other bank debit cards, you must have registered for the bank’s net banking facility to transfer funds from the account linked to the debit card. You can find the list of banks acceptable for HDFC credit card payment above.
HDFC currently accepts debit cards of 60 banks across India, including two digital payment banks. In case, your bank is not listed you have to opt for another payment option. You can use the NEFT option to transfer funds from your bank’s net banking account using HDFC’s IFSC code HDFC0000128.
No, you will not be charged anything for making payment through ATM.
If you are making HDFC Credit Card payment through HDFC ATM, the amount may get credited on the same day. If you are paying it with other bank debit cards through net banking it takes 3-4 working days to process the payment.
No, you cannot pay the bill at other bank’s ATM. You can visit any of the HDFC ATMs located across country.