HDFC Credit Card Bill Payment: Easy Online & Offline Ways

HDFC is a leading financial institution that offers a wide range of financial services. The financial conglomerate offers rewards, cash back, and discounts on its credit cards. But how can you make the most of it without falling behind? The answer is simple — by ensuring timely HDFC credit card bill payment.

The financial entity offers two options — online and offline — to pay the credit card bill. Doing so helps a lot in securing a good CIBIL score, avoiding late payment charges, and interest fees. The blog breaks down the methods in easy-to-follow steps and explores the details of HDFC credit card payment methods, both online and offline.

HDFC Credit Card Payment Options

You can initiate an HDFC credit card bill payment in two ways:

How to pay credit card bill online

1. PayZapp

   • Log in to HDFC’s mobile payment and financial services app ‘PayZapp’
   • Click on the ‘Bills and Recharges’ icon and scroll down to ‘Financial Services’
   • Choose the ‘Credit Card’ icon
   • Scroll down to search for your credit card biller or the bank list
   • Enter your 16-digit card number if your HDFC credit card is not readily linked
   • For other bank credit cards, provide your registered mobile number along with the last four digits of your credit card
   • Click ‘Continue’ and select the payment method and the amount you wish to pay
   • This way, you can pay the amount payable using your HDFC Bank Debit Card

   TAT: HDFC Bank credit card payments are settled on the same day. For other banks, it takes 2-4 days to settle credit card payments.

2. HDFC net banking

   • Log in to your HDFC Net Banking account using your user ID and password
   • Go to the ‘Transact’ tab in the left menu
   • Under the ‘Transact’ tab, select the ‘Credit Card Payment’ option
   • Choose the account and select the card number
   • Pick from the minimum amount due, the total outstanding balance, or a custom amount option
   • Review details such as: credit card type, amount payable, and payment details
   • Once finalised, click on the ‘Confirm’ button to initiate payment

   TAT: Credit card bill payments made through netbanking take 1 day to process.

3. HDFC Bank mobile banking app

   • Log in using your customer ID and password or your Quick Access PIN
   • Navigate to the ‘Pay’ section located on the left side of the screen, then select the ‘Cards’ tab
   • Identify and pick the registered credit card linked to your account
   • Select the ‘Pay’ option to initiate the payment process
   • Choose how much you’d like to pay — whether it’s the minimum, the total, or a custom amount
   • Review the payment details, card type, and payable amount
   • Click ‘Confirm’ to complete the payment

   TAT: Credit card bill payments via mobile banking are processed within 1 day.

4. HDFC credit card bill payment using NEFT/RTGS/IMPS

   • Log in to your bank’s net banking portal using your credentials
   • Select NEFT/RTGS/IMPS from the ‘Funds Transfer’ Tab
   • Add your HDFC Bank credit card to the beneficiaries list
   • Enter your card details, including your name, credit card number, and IFSC code
   • Enter the bill amount to be paid
   • Verify the details and click on ‘Pay’ to confirm the transaction

   The 'Beneficiary Account Number' is your HDFC Bank credit card number, and the 'Beneficiary Name' is the name printed on the card. To make NEFT/RTGS transfers, use the IFSC code HDFC0000128. For immediate payments, you can use the VISA Money Transfer or IMPS facility.

   TAT: Depends on the settlement mode (NEFT, RTGS, or IMPS).

5. Bill Desk

   • Visit the HDFC Bank Bill Desk page
   • Enter your HDFC Bank credit card number and payment amount
   • Select the ‘Net Banking’ option from the drop-down and click on ‘Pay’
   • You will be securely redirected to the payment interface of your selected net banking provider
   • Log in with your authentication details (user ID & password)
   • Confirm the payment amount for your HDFC Bank credit card. The account will be debited online
   • Upon successful payment, you’ll receive an online transaction confirmation and a Transaction Reference Number
   • If an email ID is provided, you’ll also receive a confirmation email acknowledging your transaction

   TAT: Credit card payment through Bill Desk takes 2-3 working days to process.

Also Read: How to Check Your HDFC Credit Card Statement

How to pay credit card bill offline

1. ATM

   • Insert the debit card you want to use to pay your credit card bill
   • Go to the ‘Main Menu’, typically located on the right side of the ATM screen
   • Select ‘More Options’, then choose ‘Make Credit Card Payment’ from the top left
   • Choose either ‘Savings Account’ or ‘Current Account’ as your payment source
   • Enter the stipulated bill amount and press ‘Confirm’
   • Type your 16-digit credit card number and press ‘Confirm’
   • Enter your 4-digit debit card ATM PIN to proceed

   TAT: Credit card bill payments are processed in 1 day.

2. Cash

   • Deposit cash at an HDFC Bank ATM, or you can pay your credit card bill in cash at any HDFC Bank branch

   TAT: Cash payments for credit card bills are processed within 1 day.

3. Cheque

   • Write a cheque payable to HDFC Bank Card A/C and include your 16-digit credit card number
   • Submit the cheque at an HDFC Bank ATM or branch for processing

4. Autopay feature

   • Register for the Autopay facility at your nearest HDFC Bank branch
   • Set a maximum amount for auto-debit
   • The bank will deduct either the minimum amount due or the total monthly outstanding amount owed on your credit card, based on the instructions
   • The right balance in your account is necessary to avail the facility for timely payments

TAT: Autopay processes payments depending on the payment mode

HDFC credit card bill payment option makes it easy to pay bills online or offline. Online options like HDFC net banking, mobile banking, or even in-person ATMs ensure that there’s a method that suits your lifestyle. Additionally, the payment processes are easy, user-friendly, and hassle-free, and eliminate any confusion or delays.

Take note — once you have repaid the payable amount, keep a track of your HDFC Bank credit card statement. If you miss the entry or notice any discrepancies, you must contact the bank immediately.

Frequently asked questions

1. Do I have to pay my HDFC credit card bill every month?

   Yes, you have to make your HDFC credit payment every month. The billing cycle normally lasts around 30 days, and a statement is generated at the end of each cycle.

2. Is it possible to pay your credit card bill early?

   Yes, it is possible to make an early HDFC credit card bill payment.

3. What is an ideal time to pay credit card bills?

   To avoid late fees and interest charges, it is ideal to pay your credit card bill before the due date.

4. What does ‘minimum amount due’ on a credit card statement mean?

   The minimum amount on a credit card refers to the small portion of the total outstanding balance. It is cited on your credit card statement and must be paid before or by the due date.

5. Does HDFC Bank offer autopay for credit cards?

   Yes. You can set up an auto-debit feature on your HDFC credit card to automatically pay either the minimum or total amount due on the statement date.