HDFC Credit Card Bill Payment

If you have a credit card from HDFC Bank, you are aware that the bank allows for a great flexibility in terms of how credit card bills are paid. It’s important that you pay your HDFC Credit Card Bill as soon as the statement is generated because doing so keeps your credit score steady, and you also stay away from penalties. Customers have access to a wide variety of payment options both online and offline for HDFC Credit Card Bill Payment. You may choose to pay the bill using any of the available options, and you can select the one that best suits your needs and preferences. In this article, you will learn about how to Pay HDFC Credit Card Bill in both online and offline modes.

How to Pay HDFC Credit Card Bill?

There are several methods to pay credit card bills with HDFC Bank in both online and offline modes. Online payment methods for HDFC credit card bills include Bill Desk, NEFT, internet banking, mobile banking, and others. Whereas the offline payment methods include cash payments over the counter, ATM, and cheque. Users are free to select a payment method that best suits their needs. Now let’s take a look at each HDFC Bank Credit Card Bill Payment option in more detail. Customers who have an HDFC account can use these methods to Pay HDFC Credit Card Bill Online.

Pay HDFC Credit Card Bill Through Net Banking

If you have Netbanking Enabled on HDFC Account, you can pay your HDFC Credit Card Bills Online with HDFC Net Banking. You must first link your HDFC credit card to your net banking account in order to use the service.

  • Open your Net Banking account and log in.
  • Select ‘Credit Cards’.
  • Click on ‘Transact’ from the ‘Credit Card’ tab on the left side of the screen.
  • Click ‘Credit Card Payment’ and then select card payment type to choose your credit card and then click ‘Continue’.
  • Next, choose “From account and credit card number” to proceed.
  • Select an option from other Amount, Minimum Amount Due, or Last Statement Bal. Proceed and confirm.

Through Mobile Banking

You can use the HDFC mobile banking service to pay your HDFC credit card bill. Before paying link your mobile banking account to your HDFC credit card, Once your credit card has been registered, you can proceed with the payment by following the steps below.

  • To access your account, download the HDFC mobile banking app and log in.
  • Click on the ‘Pay’ option.
  • Select the payment amount that you wish to make.
  • After you click it and finish the payment.


  • To access your HDFC account, enter your password and customer ID. 
  • Select the “Funds Transfer” tab that is displayed in the top bar. 
  • Choose the “Transfer to Other Bank” (NEFT) option. 
  • Enter Credit Card information in place of Beneficiary information HDFC credit card IFSC Code is IFSC-HDFC0000128.
  • After entering the desired payment amount and confirming all the information, click “Continue.” 
  • Your request for NEFT will be sent and processed.


Another way to make online payments with HDFC credit cards from other banks is through RTGS. The method is recommended for settling bills over ₹2 lakhs. It follows the same process as NEFT. 

Through UPI

  • Access your bank’s mobile banking app by logging in.
  • Select the “UPI” tab.
  • Make a UPI ID and link it to the phone number on your account.
  • Re-log in to the mobile banking app for your bank after setting the UPI ID.
  • Select “Pay” from the menu, then select “UPI Payment.”
  • Go to the “Send Money” tab and select the “Pay Via UPI ID” option.
  • After entering the payment amount and any remarks, click “Pay.”

HDFC Credit Card Payment Online Billdesk

Customers who do not have Net Banking on HDFC Bank account can pay their bills Using HDFC Credit Card Bill Desk.

  • Visit the Bill Desk website.
  • Select the bank that you wish to use to make the payment. You will be taken to the online banking portal of that particular bank.
  • Enter the amount to be paid, your email address, and your 16-digit credit card number.
  • Enter your ID and password to log in.
  • Entering the OTP you received on your registered mobile number to authorise the payment.
  • Once the Payment Is Completed you will receive Acknowledgment to your Mail ID.

Customers who cant have internet access They can use the following offline ways to pay their HDFC credit card bills.

Through ATM

  • Put your HDFC Debit Card into the ATM machine.
  • Select the ‘Main Menu’ option from the screen. 
  • Select “More Options.” 
  • Choose the tab labeled “Make Credit Card Payment.” 
  • Select the account that you wish to use to pay your credit card bill.
  •  Once the payment amount has been entered, click “Confirm.” 
  • Your credit card bill payment will be processed once you provide your 16-digit credit card number and four-digit PIN.

Via Cash

If you want to use cash to pay your HDFC credit card statement, you just need to go to the bank branch and  deposit the necessary money, or you may use an HDFC Bank ATM to deposit the same amount.

Via Cheque

Follow these steps to pay your HDFC credit card bill using a cheque.

  • Pay with a local cheque made payable to “HDFC Bank Card A/c XXXX-XXXX-XXXX-XXXX”, where X is your credit card’s 16-digit card number.
  • Deposit the cheque at any drop box found at an HDFC Bank branch or ATM.
  • Your credit card account will receive the money in three business days.


1. HDFC Credit Card Bill generation date? 

The billing cycle for HDFC credit cards is for 30 days.

2. Can I convert HDFC Credit Card Bill to EMI?

You can convert HDFC credit card bill payment into EMI online. Converting Mastercard duty to EMI essentially means changing it into a loan, where interest on your exceptional credit will be required. The majority of HDFC credit cards are eligible for this service via the SmartEMI platform. You can only make changes with SmartEMI after confirming and approving a valid reason.


HDFC bank offers you several ways to pay credit card bills in both online and offline modes, choose one method as per your convenience. We have covered All the available options in this article on how to pay HDFC credit card bills. You can choose one mode to pay your HDFC credit card bill through net banking, mobile app, via NEFT, RTGS, through UPI, Bill Desk, through cash payment, cheque and by visiting the ATM. If You still have any doubts about this, please feel free to ask us in the comments space. Check our website regularly for more articles about HDFC.

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