HDFC Credit Card Payment Through Net Banking

Last Updated : April 28, 2025, 5:43 p.m.

In today’s digital banking era, managing credit card payments has become more convenient than ever. HDFC Bank, one of India’s leading financial institutions, offers a seamless netbanking solution for credit card holders to make timely payments, avoiding unnecessary late fees and interest charges. This article explores the various methods and benefits of making your HDFC credit card payments through netbanking.

Why Should You Pay HDFC Credit Card Bills via Netbanking?

Paying your HDFC credit card bills through netbanking offers several benefits:

1. Convenience : Make payments anytime, anywhere without visiting a bank branch
2. Time-saving : Complete the payment process in just a few minutes
3. Security : Secure transaction protocols protect your financial information
4. Tracking : Easy access to payment history and transaction records
5. Avoid penalties : Timely payments help avoid late payment fees and interest charges
6. Reward points : Earn reward points on certain payment methods.

Steps to Make Your HDFC Credit Card Payments Through Netbanking

Method 1: Step-by-Step Process For HDFC Bank Account Holders

1. Log in to HDFC Bank Netbanking
   • Visit the official HDFC Bank portal
   • Click on “Login” at the top right corner
   • Enter your Customer ID and Password
   • Complete the verification process if required
2. Navigate to the Credit Card Section
   • Post logging in, search for the “Cards” tab on the dashboard
   • Click on “Credit Card” from the drop-down menu
3. Select Bill Payment Option
   • Pick the option “Pay Credit Card Bill” or “Credit Card Payment”
   • Select your HDFC credit card from the list (if you have multiple cards)
4. Enter Payment Details
   • Pick the account from which you want the bill payment to be made.
   • Enter the payment amount (Least amount due, total outstanding amount, or a custom amount)
   • Verify the payment details
5. Confirm and Authorize
   • Review all the information
   • Click on “Confirm” or “Proceed”
   • Input the OTP (One-Time Password) sent to your registered mobile number
   • Click on “Submit” to complete the transaction
6. Save Payment Receipt
   • Once the payment is successful, you’ll receive a confirmation message
   • Save or download the payment receipt for future use.
   • Note the transaction reference number.

Method 2: Using Other Bank’s Netbanking (For Non-HDFC Bank Account Holders)

1. Log in to Your Bank’s Netbanking
   • Visit your bank’s official website
   • Enter your credentials to log in
2. Select Fund Transfer/Bill Payment
   • See choices like “Bill Payment,” “Credit Card Payment,” or “Fund Transfer”
   • Choose the appropriate option for credit card payments
3. Add HDFC Credit Card as Biller/Beneficiary
   • Choose “HDFC Bank Credit Card” from the billers list
   • Enter your 16-digit HDFC credit card number
   • Add a nickname for easy identification in future transactions
4. Enter Payment Details
   • Specify the amount you wish to pay
   • Add remarks if necessary (e.g., “April 2025 Payment”)
5. Confirm and Authorize
   • Verify all details
   • Complete the authentication process as per your bank’s requirements
   • Submit the payments

How to Enable Online Transactions Through Netbanking for HDFC Credit Cards?

As per RBI regulations, online transactions are disabled by default for new, less used, or inactive cards. To enable online transactions through netbanking:

Step 1: Log in to your HDFC Bank netbanking portal using your customer ID and password.

Step 2: Navigate to the ‘Cards’ tab and click on ‘Set Card Usage/Limits’.

Step 3: Note your current domestic and international limits.

Step 4: Set your desired limit and enable the online transaction option.

Step 5: Confirm the changes using the OTP dispatched to your registered mobile number.

SmartPay: Automated Bill Payments

HDFC Bank offers SmartPay, a service that allows automatic deduction of utility bills from your credit card:

Benefits of SmartPay:

1. No risk of missing due dates
2. No late payment charges
3. Earn reward points on SmartPay transactions
4. Set your own payment limit for each biller
5. Zero transaction fee
6. Payment schedule reminders and transaction alerts
7. Modify bill payment details anytime through NetBanking

Special Offer:

Customers will receive 5% cash back for the first 12 months of registration for all fresh SmartPay registrations through Credit and Debit cards from April 1, 2024, to March 31, 2025, with a maximum cash back of Rs. 150 per statement cycle.

Setting Up SmartPay Through NetBanking

1. Login to your HDFC Bank NetBanking account
2. Navigate to "BillPay & Recharge" tab and click "Continue"
3. Click on "Add Biller"
4. Select the bill category (electricity, mobile, DTH, etc.)
5. Enter the required details and enable SmartPay on your Debit/Credit Card

Alternatively, you can also access SmartPay through:

• Cards > Credit cards > Smart Pay > Continue > Add Biller > Select Category > Enter Details.

Alternative Online Payment Methods

HDFC Bank offers various other ways to make your credit card bill payments apart from netbanking.

• Mobile Banking App
• NEFT/RTGS
• Third-party apps (CRED, PayZapp)
• UPI Apps (Google Pay, PayTM)

Conclusion

Doing your HDFC credit card payments through netbanking is easy, safe, and efficient. With multiple payment options available, cardholders can select the method that suits their preferences and requirements the most. Regular and timely payments not only help avoid penalties but also maintain a good credit score, ensuring continued access to credit facilities and exclusive offers from HDFC Bank. By adopting these digital payment methods, you can streamline your financial management and make the most of your HDFC credit card benefits.