HDFC Credit Card Online Payment – Various Methods of Paying Credit Card Bill

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Thinking of how to make HDFC credit card online payment? Credit cards make shopping and paying for things much easier by eliminating the need to carry cash everywhere. However, with convenience comes a significant responsibility, and that is paying the credit card bill on time. Whether you use your card every day or on rare occasions, you should always strive to pay the bill within the due date. Late payments may incur fees and default will bring penalties. Besides, missing payments or failing to pay the bill altogether will severely damage your credit rating. Here are some of the ways you can pay your HDFC credit card bill.

HDFC credit card online payment – for HDFC bank account holders

Paying HDFC credit card bill online is fairly easy, and there are lots of ways you can do it. If you have an HDFC current or savings account, you may follow any of the methods given below for paying your HDFC credit card bill online.

Internet banking:

To enjoy this facility, you must get your HDFC account registered for online banking. Once done, you can log into your internet banking account using the correct username and password and pay your credit card bill. Aside from checking your credit card bill and due date, net banking also lets you access your credit card statements. Regardless of whether you have a checking or savings account with HDFC, you can use net banking for bill payment.

Mobile banking:

You do not need a fancy desktop or laptop to pay your HDFC credit card bill online. With the advent of smartphones, you can now pay your bills on the go! For this, you need to visit the official website of HDFC from a mobile browser, log in using your net banking ID and password, and pay the bill easily in a few minutes. Even in this case, you must have net banking activated on your account.

HDFC mobile app:

If you want a fast and easy mobile banking facility for paying your HDFC credit card bill, you should download the HDFC mobile app. The app is available for Android and iPhone devices. All you have to do is download the app, sign in, click on the credit card tab, and pay the credit card bill.

VISA CardPay:

VISA CardPay lets HDFC account holders pay credit card bills online. The process here is similar to the others mentioned above. You have to log into your net banking account, go to the tab for “third party transfer” and select VISA CardPay. Once you provide the details, you should be ready to make the payment. You need to pay a fee of Rs. 5 plus taxes every time you use VISA CardPay.

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HDFC credit card online payment – if you do not have an HDFC account

You do not need an HDFC bank account to apply for an HDFC credit card or vice versa. If you have an HDFC credit card but no current or savings account with the bank, you can still use your existing bank’s facilities to pay your credit card bill online. Here are some of the popular ways:

NEFT or National Electronic Funds Transfer:

NEFT allows you to pay your HDFC credit card bill from any bank account. The instructions for fund transfer may vary slightly from one bank to another, but the process remains largely similar. To use this feature, you need register your bank account for online banking. To pay the bill, you need to set your HDFC credit card number as the “payee.” If you make the payment on weekdays during business hours, the money will be deducted from your bank account and the bill will be paid within a few hours. However, if you pay on weekends or holidays or after hours, the transaction will take place the next business day.

RTGS or Real Time Gross Settlement:

If you tend to use your HDFC credit card for large transactions of over Rs. 2 lakhs, the RTGS mode of payment will be suitable when paying credit card bill. You must have net banking activated on your non-HDFC bank account. The process of payment is similar to that of NEFT. The only difference is that each RTGS transaction gets processed individually, whereas NEFT gets processed in batches.


To pay your HDFC credit card bill through BillDesk, you need to visit the BillDesk page on the official website of HDFC. Here, you need to input the required details including your credit card information. Once you provide the credit card number and the amount you want to pay, you will be redirected to your bank’s net banking page. From there, you can easily make the payment. After successful completion, you will receive a Transaction Reference Number and an online confirmation letting you know that the payment is done.

HDFC credit card bill payment – offline methods

If you like to manage your finances and pay your bills the traditional way, you might prefer the offline bill payment methods. There are plenty of ways to pay your bills offline. Here are some of them:

Cheque or cash:

To pay your HDFC credit card bill in cash, you need to visit the nearest HDFC branch and submit a relevant form along with the bill amount. The bank charges Rs. 100 as processing fee every time you pay your credit card bill in cash. You can also pay your bill using a cheque in a similar manner. However, with the cheque, you have the option of dropping it at an HDFC drop-box. You cannot submit cash at a drop-box.


If you have a current or savings account with HDFC, you can use the ATM to transfer funds to your HDFC credit card. You can also deposit money at the ATM to pay your bill. However, when using the ATM, you need to follow the correct steps for a successful transaction.

If you have selected your HDFC credit card after conducting a thorough research and carrying out a comparison of all the different options, it is only natural that you would want to have a good record with the bank. Paying the bills on time will surely help you do that!

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