HDFC Credit Card Payment

Last Updated : April 25, 2025, 1:02 p.m.

Staying on top of your HDFC Bank credit card payments is vital for safeguarding your credit score and preventing those costly late payment charges that can quickly add up. Recognizing that customers have varying preferences and needs, HDFC Bank has developed an impressive array of payment channels that work with different lifestyles, whether you prefer the convenience of digital transactions or the familiarity of traditional methods. This in-depth resource takes you through each available payment avenue, carefully explaining the step-by-step processes, highlighting the distinct advantages each method offers, and transparently outlining any fees or charges you might encounter along the way. By understanding these options, you can select the approach that best fits your circumstances, ensuring your payments always reach your account on time and helping you maintain excellent financial standing.

Online Methods for HDFC Bank Credit Card Payments

NEFT (National Electronic Funds Transfer)

Make hassle free payment through NEFT from any of your bank accounts.

Steps to make payment:

• Log in to your bank’s netbanking portal
• Navigate to the ‘Fund Transfer’ or ‘NEFT/RTGS’ section
• Add your HDFC Bank Credit Card as a beneficiary
• You will be asked to input your account number. So, enter your credit card number (16 digits).
• For IFSC code, use HDFC0000128
• Choose the NEFT option and enter the payment amount
• Verify and proceed towards completing the transaction

Advantages:

• Can transfer funds from any bank account
• Highly secure transaction method
• Complete digital record of payment
• No geographical limitations

Processing Time: Usually processed within 24 hours

Fees: Most banks do not charge for NEFT transactions initiated online.

RTGS (Real Time Gross Settlement)

RTGS can be used to send large sums of money instantaneously.

Steps to make payment:

• Log in to your bank’s netbanking account
• Access the ‘Funds Transfer’ or ‘RTGS’ section
• Now, add your HDFC Credit Card as a beneficiary
• For the account number, enter your 16-digit Credit Card number
• For the IFSC code, use HDFC0000128
• Choose the RTGS option and enter the payment amount
• Proceed towards completing the transaction

Advantages:

• Real-time settlement for high-value transactions
• Minimal processing delays
• Suitable for large payments
• Highly secure transaction method

Processing Time: Same day
Fees: Banks typically charge a nominal fee for RTGS transactions based on the transfer amount.

HDFC Bank Credit Card Payment via Mobile Banking

HDFC Bank’s mobile banking app provides a convenient way to manage and pay your credit card bills.

Steps to make payment:

• Log in to the HDFC Bank Mobile Banking app
• Navigate to the ‘Cards’ or ‘Credit Card’ section
• Select your credit card
• Choose the ‘Pay Credit Card Bill’ option
• Enter the payment amount
• Select your HDFC Bank account for payment
• Confirm and complete the transaction

Advantages:

• Available 24/7
• User-friendly interface
• Instant confirmation
• Enroll in convenient auto payment services for your account to avoid missing due dates.
• Access your credit card statements and transaction history

Processing Time: Same day processing
Fees: No additional charges.

HDFC Bank Credit Card Payment via Billdesk

BillDesk is a third-party payment aggregator that facilitates HDFC credit card payments.

Steps to make payment:

• Visit the Billdesk website or access it through your bank’s net banking portal
• Choose the HDFC Credit Card from the available biller options to proceed with your payment.
• Enter your HDFC credit card details
• Choose the bank account from which you want to make the payment
• Enter the payment amount
• Authenticate the transaction using OTP
• Complete the payment

Advantages:

• Can pay using accounts from different banks
• Simple interface with guided process
• Consolidated bill payment platform
• Payment receipt generated for record-keeping

Processing Time: 2 to 3 working days
Fees: No additional charges in most cases.

HDFC Bank Credit Card Payment via UPI

The Unified Payments Interface (UPI) offers a quick and secure way to make your credit card payments .

Steps to make payment:

• Access your preferred UPI application such as PhonePe, Google Pay, Paytm, or HDFC PayZapp to initiate your payment process.
• Select ‘Pay Bills’ or a similar option
• Choose ‘Credit Card’ as the category
• Select ‘HDFC Bank Credit Card’ as the biller
• Enter your 16-digit credit card number
• Enter the payment amount
• Confirm details and enter your UPI PIN to authorize
• Complete the transaction

Advantages:

• Instant processing
• Highly secure with PIN authentication
• Available 24/7
• Simple and user-friendly interface
• No need to remember complex banking credentials

Processing Time: Usually instant or within some hours

Fees: No charges for UPI transactions.

Offline Methods for HDFC Bank Credit Card Payments

HDFC Bank Credit Card Payment via Cheque

If you prefer traditional methods, you can pay your HDFC credit card bill using a cheque.

Steps to make payment:

• Write a cheque payable to “HDFC Bank Card XXXX” (where XXXX represents the last four digits of your credit card)
• Write your credit card number and contact number on the back of the cheque
• Drop the cheque at any HDFC Bank branch, ATM, or designated drop box
• Alternatively, mail the cheque to the address mentioned on your statement

Advantages:

• No need for internet access
• Paper trail for record-keeping
• Suitable for those uncomfortable with digital payments
• Widely accepted payment method

Processing Time:

• 2 days for HDFC Bank cheques
• 3-5 days for cheques from other banks

Fees: No additional charges for cheque payments.

HDFC Bank Credit Card Payment via ATM

HDFC Bank ATMs offer the facility to pay your credit card bills directly.

Steps to make payment:

• Visit an HDFC Bank ATM
• Insert your HDFC Bank debit card
• Enter your PIN
• Select “Credit Card Payment” from the menu
• Enter your credit card number
• Specify the amount you wish to pay
• Confirm the transaction

Advantages:

• Convenient for HDFC Bank account holders
• Immediate confirmation receipt
• Available at numerous ATM locations
• No need to visit a branch during banking hours
• Secure transaction environment

Processing Time: Same day
Fees: No additional charges.

HDFC Bank Credit Card Payment via Cash

For those who prefer cash transactions, HDFC Bank branches accept over-the-counter payments.

Steps to make payment:

• Visit any HDFC Bank branch
• Fill the credit card payment slip with details pertaining to your credit card.
• Deposit the slip at the counter along with the cash.
• Collect the payment receipt for your records

Advantages:

• Immediate credit to your card account
• No need for a bank account
• Receipt provided as proof of payment
• Direct interaction with bank staff for any queries
• Suitable for those without access to banking facilities

Processing Time: Same day

Fees: HDFC Bank may charge a nominal fee for cash payments at branches.

Important Points to Remember

• Always keep the payment receipt or transaction reference number until the payment reflects in your credit card statement.
• Verify whether you have enough money in your account for online payments. Otherwise, it will lead to transaction failures.
• Make payments at least 3-4 days before the due date to avoid late payment charges.
• Paying the minimum amount due helps you avoid late payment fees. However interest will be levied on the amount outstanding.
• Set up auto-debit facilities to avoid missing payment deadlines
• Regularly check your credit card statements for accuracy and to track payment history
• Get in touch with HDFC Bank customer care - 1800 266 3333 for any complaints or questions related to payment.

Conclusion

HDFC Bank's diverse credit card payment options ensure that every cardholder can find a convenient method that suits their specific needs and preferences. Whether you choose the immediacy of digital channels like UPI and mobile banking, or prefer traditional methods such as cash payments at branches or cheque deposits, timely HDFC Bank credit card payments remain the cornerstone of responsible credit card management. By understanding all available payment avenues and their respective processing times, you can strategically plan your payments to avoid late fees, maintain a positive credit history, and maximize the benefits of your HDFC credit card. Remember that consistent, on-time payments not only help you avoid unnecessary penalties but also strengthen your creditworthiness over time, a valuable asset in your broader financial journey. HDFC Bank's commitment to providing multiple secure payment channels reflects its dedication to customer convenience and satisfaction in an increasingly digital financial landscape.