HSBC Credit Card Payment

Last Updated : April 22, 2025, 6:31 p.m.

Managing your Credit Card Payments efficiently is essential for maintaining good financial health and avoiding unnecessary fees. HSBC offers multiple convenient options for paying your credit card bills, allowing you to choose the method that best fits your schedule and preferences. Whether you prefer to make your HSBC Credit Card Payment online through the bank's secure portal, via the mobile app, through automated phone services, or in person at a branch location, understanding all available payment channels ensures you'll never miss a due date. Missing due dates frequently may lead to a dip in your credit score. The credit score is a very important parameter that needs to be good to get easy approval for loans and credit cards. Various factors govern the maintenance of this important score. Do a free CIBIL score check on Wishfin to know where you stand with respect to this parameter. This comprehensive guide will walk you through everything you need to know about processing your HSBC credit card bill payments, including important deadlines and minimum payment requirements.

Online HSBC Credit Card Payment Methods

HSBC Credit Card Payment via HSBC Internet Banking

Step-by-Step Procedure:

1. Log in to HSBC Personal Internet Banking
2. Navigate to the “Cards” section
3. Select “Pay and Transfer” option
4. Choose your credit card from the drop-down menu
5. Enter the payment amount (Total Amount Due, Minimum Amount Due, or custom amount)
6. Confirm the transaction
7. A message confirming your HSBC credit card payment will be dispatched to your registered mobile number and email

Key Details:

• Daily transaction limit: Rs. 2,50,000 per day (from 00:01 hours to 24:00 hours IST)
• No additional fees for this service
• Fastest way to credit your account (Instant transfer)

HSBC Credit Card Payment through Mobile Banking

Step-by-Step Procedure:

1. On your smartphone, open the HSBC mobile banking app.
2. Log in using your credentials (same as Internet Banking)
3. Navigate to the “Credit Cards” section
4. Select your payment option (Total Amount Due, Minimum Amount Due, or Other Amount)
5. Submit your payment
6. A confirmation message will be dispatched to your registered contact information

Key Details:

• Internet Banking registration is required to access Mobile Banking
• Daily transaction limit: Rs. 2,50,000 per day
• No additional fees
• Instant HSBC credit card payment processing.

HSBC Credit Card Payment through National Electronic Funds Transfer (NEFT)

Step-by-Step Procedure:

1. Log in to your bank’s internet banking portal (any bank in India)
2. Select NEFT as the payment method
3. Enter HSBC’s IFSC code: HSBC0400002
4. Enter your complete 16-digit HSBC credit card number as the beneficiary account
5. Enter the payment amount
6. Complete the transaction as per your bank’s procedure

Key Details:

• Processing time is based on the NEFT cycles of your bank
• No additional fees from HSBC, but your bank may charge nominal fees
• Available 24/7 (following RBI guidelines for NEFT)

HSBC Credit Card Payment via Bill Desk

Step-by-Step Procedure:

1. Visit Bill Desk facility at http://billdesk.com/hsbccard/
2. Enter your 16-digit HSBC credit card number
3. Enter the amount for the HSBC credit card payment
4. Select your bank account from which you want to make the payment
5. Log in to your bank’s portal when redirected
6. Authenticate and complete the transaction

Key Details:

• Third-party service for online payments
• Processing time: 1-2 business days
• Service is available 24/7

HSBC Credit Card Payment by using PayU

Step-by-Step Procedure:

1. Visit PayU facility at https://securepayments.payu.in/hsbc-credit-card-payment
2. Enter your 16-digit HSBC credit card number
3. Enter the payment amount
4. Select your bank account
5. Complete authentication as required by your bank
6. Confirm the payment

Key Details:

• Third-party payment service
• Processing time: 1-2 business days
• Service is available 24/7

HSBC Credit Card Payment via VISA Money Transfer

Step-by-Step Procedure:

1. Log in to your bank’s internet banking portal
2. Select the “Visa Money Transfer” option
3. Enter your 16-digit HSBC VISA credit card number
4. Enter the HSBC credit card payment amount
5. Complete the transaction as per your bank’s procedure.

Key Details:

• Only available for VISA credit cards
• Processing time varies based on your bank
• Check with your bank for specific requirements and fees

HSBC Credit Card Payment through Standing Instructions(SI)

Step-by-Step Procedure:

1. Fill the Standing Instruction form which will be available at any HSBC branch
2. Specify the option for HSBC credit card payment (Full amount, Minimum amount, or Fixed amount)
3. Specify your HSBC savings or current account to be debited
4. Submit the completed form at the nearest branch of HSBC Bank

Key Details:

• Automatic payments on due date
• One-time setup for recurring payments
• Requires an account with HSBC

HSBC Credit Card Payment through Electronic Clearing System (ECS)

Step-by-Step Procedure:

1. Download the ECS mandate form from HSBC website
2. Fill in your credit card details and the details of your bank account (from any bank)
3. Specify the payment amount option (Total Amount Due, Minimum Amount Due, or Fixed amount)
4. Submit the full filled form at your nearest HSBC branch

Key Details:

• Automatic payments on due date
• Works with accounts from other banks
• Processing time: Setup takes 15-30 days to activate.

Offline HSBC Credit Card Payment Methods

HSBC Credit Card Payment via Phone Banking

Step-by-Step Procedure:

1. Call HSBC Phone Banking at 1860 108 7788 or 1860 500 2277
2. Verify your identity using your PIN
3. Request to make a credit card payment
4. Provide details of the account to be debited
5. Confirm the payment amount

Key Details:

• Available 24/7
• PIN verification required
• Instant processing if using an HSBC account.

HSBC Credit Card Payment through Mail Cheque/Draft

Step-by-Step Procedure:

1. Write a cheque/draft. It should be payable to “HSBC Credit Card No. XXXX XXXX XXXX XXXX” (your 16-digit card number)
2. On the reverse side, write your name, contact number, and credit card number
3. Mail it to your nearest HSBC branch
4. Retain a copy of the Draft/cheque for your records

Key Details:

• Processing time: 3-5 business days
• Send an email well ahead of the due date to avoid late payment charges
• Required information: Your name, credit card number, and contact details on the reverse of the cheque/draft.

HSBC Credit Card Payment via ATM

Step-by-Step Procedure:

1. Visit any HSBC ATM in India
2. Insert your HSBC debit card and enter PIN
3. Select “Deposit” or “Funds Transfer” option
4. For cash deposits: Select “Cash Deposit”, enter your credit card number, insert cash
5. For cheque deposits: Select “Cheque Deposit”, enter your credit card number, deposit cheque
6. For funds transfer: Select “Funds Transfer”, enter your credit card number, enter amount
7. Collect the acknowledgment receipt

Key Details:

• Only available at HSBC ATMs
• For cash deposits: Instant credit
• For cheque deposits: 2-3 business days for clearing.

HSBC Credit Card Payment by Over the Counter (Branch Payment)

Step-by-Step Procedure:

1. Visit any HSBC branch in India during business hours
2. Fill out the credit card payment slip
3. Provide your credit card details
4. Make the HSBC credit card payment by cash or cheque
5. Collect the payment receipt

Key Details:

• Available during branch working hours
• Cash payments: Instant credit
• Cheque payments: 2-3 business days for clearing
• Required documentation: Valid ID proof and your credit card details.

Payment Deadlines and Fees for HSBC Credit Card Payments

Payment Deadlines

• Payment Due Date: Specified on your monthly statement
• Grace Period: Typically 3-5 days after the due date (varies by card type)
• Statement Date: Generated monthly on a fixed date

Late Payment Fees

• For outstanding amount up to Rs. 10,000: Rs. 500 late payment fee
• For outstanding amount from Rs. 10,001 to Rs. 25,000: Rs. 750 late payment fee
• For outstanding amount above Rs. 25,000: Rs. 950 late payment fee

Other Applicable Fees

• Cash Advance Fee: 2.5% of the amount withdrawn (At least Rs. 500)
• Over Limit Fee: Rs. 500 per instance
• Cheque Bounce Fee: Rs. 350 per instance

Important Notes

1. The daily transaction limit for online HSBC credit card payments is Rs. 2,50,000 (from 00:01 hours to 24:00 hours IST).
2. For credit card payments made via the Bill Payment Service, make sure that you provide the correct credit card number.
3. HSBC recommends paying the Total Amount Due to avoid interest charges.
4. Automatic payments through Standing Instructions or ECS can help avoid late payment fees.
5. Make sure that you update your mobile number with HSBC. By doing this, you can ensure that you will be receiving the OTP for online transactions.
6. For secured online transactions, HSBC provides OTP verification for added security.

Conclusion

HSBC offers a wide range of payment options for credit card holders in India, catering to different preferences and needs. Online payment methods provide convenience and instant processing, while offline methods offer alternatives for those who prefer traditional banking. By understanding the various payment methods, deadlines, and potential fees, cardholders can manage their credit card payments effectively and avoid unnecessary charges.

For the most up-to-date information regarding HSBC credit card payments, fees, and services, visit the official HSBC India website at www.hsbc.co.in or contact HSBC Phone Banking.