HDFC Credit Card Payment Online: Different Methods & Their Stepwise Guide 

HDFC Bank has made credit card payments a lot easier for its customers. Card users now have multiple convenient ways to settle their outstanding bills. For instance, you can rely on HDFC Bank NetBanking, PayZapp, ATM payments or even cash settlements over the counter. 

In this guide, we will show you how to complete an HDFC credit card payment so that you can easily manage your future expenses without any hassle. The methods shared here are completely safe and they simplify your credit management by enabling you to avoid any additional fees due to late payments. 

How to Make HDFC Credit Card Payment Online? 

Whether you own a regular HDFC credit card or an HDFC credit card against a fixed deposit, you can follow any of the below-mentioned procedures to meet your unpaid bills:

• RTGS
• NEFT
• Mobile banking
• Netbanking
• Through third-party apps 
• BillDesk
• Through PayZapp
• Through most UPI apps (PayTM, GooglePay, etc.)

How to Make HDFC Credit Card Payment Offline?

For those who wish to pay their credit card bills offline, they can follow the ways mentioned below to complete payments via an offline channel:

• Via their nearest ATM
• With cash
• By using cheque

HDFC Credit Card Payment Through Netbanking

Credit cardholders already maintaining a savings account with HDFC Bank can use the net banking method to settle their pending credit card bills. However, to do this, you must link your card with the net banking account. 

Upon linking your credit card, you can review the previously paid and unpaid bills, complete an HDFC credit card payment status check online, view the details of your current billing cycle and so on. 

For this, you must log in to your net banking account by entering the right credentials. To complete an HDFC credit card payment online, follow these steps:

Step 1: Link your credit card to your net banking account. 

Step 2: After this, sign in to your net banking account using the registered phone number. 

Step 3: Then select ‘Credit Cards’. 

Step 4: Select ‘Transact’ under ‘Credit Card’. You will get this option on the left side of your device screen. 

Step 5: Click on ‘Credit Card Payment’ and then pick your card after clicking on ‘Select Card Payment Type’. Then click on ‘Continue’. 

Step 6: Next choose ‘From Account and Credit Card Number’.

Step 7: Finally choose from the minimum amount due, last statement balance or other amount to confirm the payment. 

HDFC Credit Card Payment Via the Mobile Banking Application

Alternatively, HDFC credit cardholders can utilise the mobile banking facility to ensure their bill payments are taken care of on time. However, to use this mode, it is compulsory to add your HDFC card to the mobile banking account. Once done, you must follow these steps:

Step 1: After the card is successfully registered, download the HDFC mobile banking app and log in to your bank account.

Step 2: Click on ‘Pay’. 

Step 3: Enter the amount you have to pay. 

Step 4: Follow a few instructions to complete the payment. 

The process is quick and easy, much like opening the best possible fixed deposit accounts online. For a hassle-free FD that can earn you up to 9.10% annualised returns, consider exploring the Stable Money app.

Steps to Make HDFC Credit Card Payment Via NEFT

NEFT is a crucial payment medium that allows payments from third-party bank accounts. Therefore, one can use NEFT to make their credit card payment online:

Step 1: Add the concerned HDFC credit card to the list of beneficiaries. 

Step 2: Provide the requisite card details like the name of the cardholder, credit card number and IFSC code along with other information. 

Step 3: After the details have been approved, select the card from the list of beneficiaries, choose the credit card and confirm the transaction by paying the due amount. 

HDFC Credit Card Payment Through RTGS

Like NEFT, RTGS too can be used to pay your bills from other bank accounts. Generally, those who settle bills of more than ₹2 lakh, prefer this channel. Here are the steps involved in an RTGS HDFC credit card payment:

Step 1: Open your bank’s net banking interface. 

Step 2: Complete the sign-in process by entering the valid password and username. 

Step 3: From the ‘Funds Transfer’ tab, select the option ‘RTGS’. 

Step 4: To add the HDFC Bank credit card specifics, select the option marked as ‘Add Beneficiary’. 

Step 5: You must enter your credit card number in the place of ‘Beneficiary Account Number’. You can confirm the ‘Beneficiary Name’ as it will match the name mentioned on your card. The IFSC code is supposed to be HDFC0000128.

Step 6: Select the ‘Beneficiary’ and mention the bill sum that has to be settled. 

Step 7: Before you click on ‘Pay’, check the details and thereby accept the terms and conditions. 

HDFC Credit Card Payment Through BillDesk

Paying credit card bills via the BillDesk is completely hassle-free. To implement the method effectively, you can rely on the steps given below:

Step 1: Open the authentic BillDesk portal of the HDFC credit card. 

Step 2: Mention the 16-digit credit card number, the email ID and the requisite payment amount. 

Step 3: Select a mode of payment. 

Step 4: Confirm the transaction. 

Many consider this BillDesk method the smoothest mode for credit settlement right from the beginning when they compare and apply for the best credit card offers online. It is a highly secure channel that enables instant processing of payments with confirmation. 

HDFC Credit Card Payment Via PayZapp

Once you have linked your credit card with PayZapp, you can complete pending transactions by following the steps given below:

Step 1: Choose ‘PayZapp’ as the payment mode. 

Step 2: Enter the PIN that you have already set for your PayZapp account. 

Step 3: Confirm your linked HDFC credit card.

Step 4: Click on ‘Approve’. 

The process of settling outstanding payments is completed instantly, so you do not have to worry about frozen transactions.

HDFC Credit Card Payment Through UPI 

To start this, first, you will require a UPI ID. Then, you can follow the steps given below:

Step 1: Log in to your mobile banking account by using your smartphone. 

Step 2: Click on the tab ‘UPI’. 

Step 3: Link your existing UPI ID to your credit account number. 

Step 4: After setting up the UPI ID, sign in to your bank’s net banking account again. 

Step 5: Click on ‘Pay’ and select the option of ‘UPI Payment’. 

Step 6: Click on the ‘Pay Via UPI’ option which you will find under the ‘Send Money’ tab. 

Step 7: Mention the payable amount and click on ‘Pay’. Also, enter the remarks while paying.

HDFC Credit Card Payment Charges and Late Fees

There is a basic difference between a credit card and a debit card. In the case of the former, a late payment fee is added if the cardholder does not settle the minimum payable amount by the due date. These penalties are determined based on the outstanding credit card bill amount. 

Consider checking the table provided below to get the latest HDFC credit card payment charges:

HDFC Credit Card Payment Processing Times for Different Modes of Transaction

In the table below, you can see the processing times for different credit card payment channels:

Final Word 

Making an HDFC credit card payment is too simple as long as you are aware of available online methods. Alternatively, you can rely on procedures like cash disbursements where you have to visit a branch in person. 

Similarly, for smart investing that can give you consistent returns over time, you can install Stable Money. Our app allows you to open lucrative FDs while not forcing you to maintain a separate savings account. So, consider comparing the rates and starting your investment journey by using our beginner-friendly mobile app!