HDFC Credit Card Payment through ATM

Last Updated : April 30, 2025, 3:13 p.m.

It is important to keep your finances healthy through timely credit card payments. HDFC Bank, recognized for its customer-centric approach, has developed multiple HDFC credit card payment options, with their ATM service emerging as one of the most user-friendly solutions. The HDFC ATM payment system perfectly bridges the gap between traditional and digital banking, catering to those who value physical receipts or need reliable credit card payment methods when online services are unavailable. This article delivers expert guidance on managing your HDFC credit cards payments at ATMs—detailing everything from step-by-step instructions and transaction fees to robust security features and troubleshooting assistance for a seamless experience. Let us now read in detail about HDFC credit card payments through ATM.

Types of ATMs Supporting HDFC Credit Card Payments Through ATM

The HDFC credit card payment through ATM can be completed at any HDFC Bank ATM across the country. This service is exclusively available at HDFC Bank’s own ATMs and not at other bank ATMs or white-label ATMs. HDFC Bank has an extensive network of ATMs spread across India, making it relatively easy to find one near your location for your credit card payments .

Among various HDFC credit card payment methods, ATMs provide immediate confirmation through printed receipts. This feature is particularly useful for customers who prefer having physical proof of their transactions. The HDFC ATM payment option is available 24/7 for credit card holders, making it convenient for those who cannot visit branches during regular banking hours or face issues with online payment methods.

How to Pay HDFC Credit Card Bill Through ATM: Step-by-Step Guide?

Learning how to complete HDFC credit card payments through ATM can save you time and effort. The HDFC ATM payment process starts by inserting your debit card. Here’s a detailed breakdown of the steps:

1. Insert your HDFC Bank Debit Card into the ATM machine
2. Enter your 4-digit ATM PIN when prompted
3. From the main menu, pick ‘More Options’ (Usually, at the bottom right of the screen)
4. Choose ‘Make Credit Card Payment’ option (typically found at the top left)
5. Select the account (Savings or Current) from which you want to make the payment
6. Enter the payment amount you wish to transfer to your credit card
7. Input your 16-digit HDFC Credit Card number carefully
8. Verify all details on the confirmation screen
9. Collect the transaction receipt as proof of payment.

The HDFC credit card payments through ATM are processed within one business day, making it one of the faster credit card payment methods available. To complete this HDFC ATM payment process, you’ll need your 16-digit HDFC credit card number, so it’s advisable to carry your credit card or have the number noted down securely.

HDFC Credit Card Payments Through ATM: Fees and Charges

Before using this service, it’s important to be aware of the fees and charges for HDFC credit card payments through ATMs. While making credit card payments through ATMs doesn’t incur direct charges, there are related fees you should know about:

• ATM Transaction Fees: After exceeding the free monthly limit (typically 5 transactions), non-cash transactions like bill payments cost Rs. 6 per transaction
• Cash Advance Fees : If you’re withdrawing cash using your credit cards (different from making payments), you’ll incur:
• • 2.5% to 3% of the transaction amount as cash advance fee
  • Minimum fee ranging from Rs. 250 to Rs. 500
  • Finance charges up to 3.5% per month from the withdrawal date.

Understanding the HDFC ATM payment fees structure includes transaction charges after free limits. It’s worth noting that unlike cash advances, making bill payments through ATMs doesn’t incur interest charges as you’re not borrowing money but rather repaying your HDFC credit cards dues.

Key Benefits of HDFC Credit Card Payments Through ATM

The HDFC credit card payments through ATM include immediate payment confirmation and several other benefits:

1. 24/7 Accessibility: Make payments any time, even outside banking hours and on holidays.
2. Instant Confirmation: Get a printed receipt as proof of payment.
3. No internet required: Perfect alternative when facing internet connectivity issues
4. Last-Minute Payments: Helps avoid late payment fees through same-day processing
5. Alternative Channel: Useful when online banking or mobile apps are down
6. Physical Banking Preference: Ideal for customers who prefer traditional banking methods
7. Simple Interface: Easy-to-follow menu system with clear instructions

Comparing HDFC Credit Card Payment Methods: ATM vs Others

HDFC ATM payment transactions are one of the most accessible HDFC credit card payment options, but how do they compare to other methods? Comparing different HDFC credit card payment methods helps you choose the most convenient one based on your specific needs:

HDFC credit card payment options include ATMs, net banking, mobile apps, and branch visits, each with its own advantages. The HDFC credit card payments through ATM option stands out for those who need a physical receipt without internet access, while still enjoying the convenience of 24/7 availability.

Tips for Smooth HDFC Credit Card Payments Through ATM

Understanding the process of making HDFC credit card payments through the ATM helps in preventing transaction errors. Here are some practical tips to ensure your payment goes through smoothly:

• Carry Both Cards: Have both your HDFC debit card and credit card with you

• Know Your Limits: Be aware of your daily transaction limits on your debit card

• Sufficient Balance: Ensure that your savings/current account has enough funds plus a small buffer

• Note Down Card Number: Write down your 16-digit HDFC credit cards number beforehand to avoid errors

• Check Receipt: Verify all details on the transaction receipt before leaving the ATM

• Avoid Month-End Rush: Try to make payments a few days before the due date to avoid system congestion

• Keep Contact Details Updated: Ensure your mobile number is updated to receive transaction alerts

The process of how to complete HDFC credit card payments through an ATM involves just a few simple steps, but these tips can help you avoid common pitfalls and ensure your payment is processed correctly.

Security Measures for HDFC Credit Card Payments Through ATM

HDFC credit card payments through ATM security features include encryption and two-factor authentication. The bank implements several layers of protection to safeguard your transactions:

• 128-bit Encryption: All transactions are secured with high-level encryption

• Two-Factor Authentication: PIN verification provides an additional security layer

• Transaction Monitoring: The bank’s InstaAlert system sends SMS and email notifications for all transactions

• 24/7 Surveillance: ATMs are under constant CCTV surveillance

• Tamper-Proof Machines: ATMs are equipped with anti-skimming devices

• Transaction Limits: Daily limits on transaction amounts provide additional protection

Understanding HDFC ATM payment security measures helps protect your financial information. As a user of HDFC credit cards, you should also follow these security practices:

• Cover the keypad while entering your PIN
• Check for any suspicious devices attached to the ATM
• Never share your PIN or OTP with anyone
• Register for transaction alerts to monitor account activity
• Report any unauthorized transactions immediately

Customer Support for HDFC Credit Card Payments Through ATM Issues

Despite the straightforward process, you might occasionally encounter issues with your HDFC credit card payments through ATM. In such cases, HDFC Bank offers multiple support channels:

• 24/7 Phone Banking: Contact the dedicated credit card helpline at 1800-266-3333 or 1800-266-3344

• Branch Support: Visit any HDFC Bank branch with your transaction receipt

• Email Support: Send details to [email protected]

• Mobile App: Raise a service request through the HDFC Bank mobile app

• Website: Log a complaint through the official HDFC Bank website

Common issues that might require customer support include:

• Transaction failures despite account debits
• Late credit of payment to your HDFC credit cards account
• System errors during the HDFC ATM payment process
• PIN-related issues

When contacting customer support, keep your transaction receipt, credit card details, and registered mobile number handy for faster resolution.

Conclusion

HDFC credit card payments through ATM offers a reliable alternative to digital payment methods, combining the convenience of 24/7 accessibility with the security of physical banking. The HDFC ATM payment feature requires your debit card and PIN, making it a secure option for those who prefer traditional banking channels or need to make payments without internet access.

By following the step-by-step guide and security tips outlined in this article, you can efficiently manage your HDFC credit cards payments through ATMs while avoiding common pitfalls. Remember that while HDFC credit card payment through ATM is processed within one business day, it’s advisable to make payments a few days before the due date to account for any potential processing delays.

Whether you’re facing internet connectivity issues, prefer physical transaction receipts, or simply want an alternative credit card payment methods, the HDFC credit card payments through ATM option provides a valuable service for HDFC credit card holders across India.