Paying your HDFC credit card bill online is quick, safe, and available 24/7. Whether you are an HDFC customer or you use another bank, there are multiple online payment options you can choose from.
In this guide, we’ll walk through every method to pay HDFC credit card bills online with easy step-by-step instructions.
1. Pay HDFC Credit Card Bill Through NetBanking
If you already use HDFC NetBanking, this is the fastest method.
Steps:
- Log in to HDFC NetBanking.
- Go to Cards → Credit Card.
- Select Credit Card Payment.
- Choose the amount you want to pay (total, minimum, or custom).
- Confirm the payment.
Your payment is credited instantly in most cases.
2. Pay Using HDFC Mobile Banking App
This option is perfect for mobile users.
Steps:
- Open the HDFC Mobile Banking App.
- Sign in with your customer ID.
- Tap Credit Cards.
- Choose Pay Bill.
- Select payment amount and confirm.
Payments reflect within minutes.
3. Pay HDFC Credit Card Bill Using UPI (Google Pay / PhonePe / Paytm)
You can also pay using any UPI app.
Steps:
- Open your UPI app.
- Go to Pay via UPI ID.
- Enter the card-specific UPI ID (usually sent by HDFC in SMS or statement).
- Enter amount and confirm.
UPI payments are usually processed instantly or within a few hours.
4. Pay Through HDFC Credit Card BillPay (Non-HDFC Account)
Even without an HDFC Bank account, you can make your payment online.
Steps:
- Visit HDFC’s Credit Card BillPay page.
- Enter your card details and registered mobile number.
- Choose your bank for payment.
- Complete transaction through net banking or debit card.
This method supports almost all major Indian banks.
5. Pay Using NEFT
You can transfer money from any bank using NEFT.
Steps:
- Add a beneficiary in your bank using HDFC NEFT details.
- Beneficiary name: HDFC Credit Card
- IFSC code: HDFC0000128
- Account number: Your HDFC credit card number
- Make the NEFT transfer.
Payments usually get credited within 2–4 hours during banking time.
6. Pay Using Autopay
If you never want to miss due dates, set up Autopay.
How to enable:
- Log in to HDFC NetBanking.
- Go to Credit Cards → AutoPay.
- Choose minimum amount or total outstanding.
- Confirm request.
Your bill will be automatically deducted every month.
7. Pay Using Paytm or Cred
HDFC allows payments from popular third-party apps.
Steps on Paytm / Cred:
- Open the app.
- Select Pay credit card bill.
- Enter HDFC credit card number.
- Enter amount.
- Pay using UPI, debit card, or net banking.
These apps sometimes provide cashback and rewards.
8. Processing Time for HDFC Online Bill Payments
| Payment Method | Time to Reflect |
|---|---|
| NetBanking / App | Instant |
| UPI | Instant – 1 hour |
| NEFT | 2–4 hours |
| BillPay (Other Bank) | Same day – 2 days |
| Paytm / Cred | Instant – few hours |
Tips to Avoid Late Payment Charges
- Always pay 2–3 days before due date if using NEFT or other bank payment.
- Enable SMS and WhatsApp reminders from HDFC.
- If possible, choose Autopay to never miss a bill.
Conclusion
Paying your HDFC credit card bill online is very simple, whether you use HDFC’s own banking services or other apps and payment platforms. Just pick the option that suits you best — NetBanking, mobile app, UPI, NEFT, or third-party payment apps — and complete the process in a few seconds.
Keeping your payments on time helps you maintain a good credit score, avoid late fees, and enjoy continued card benefits.
Frequently Asked Questions (FAQ)
1. Can I pay my HDFC credit card bill without HDFC bank account?
Yes. You can use BillPay, NEFT, UPI, Paytm, Cred, or internet banking from any other bank to pay your HDFC credit card bill.
2. How long does it take for HDFC online bill payments to reflect?
Payments made through NetBanking, UPI, and mobile app are generally credited instantly. NEFT and other bank payments can take a few hours.
3. What is the IFSC code for HDFC credit card NEFT payment?
Use HDFC0000128 as the IFSC code and enter your credit card number as the account number.
4. Is UPI payment allowed for HDFC credit card bills?
Yes, you can pay using Google Pay, PhonePe, Paytm, Cred, and other UPI apps by entering your HDFC credit card number or UPI ID provided by HDFC.
5. Can I schedule automatic bill payments for HDFC credit card?
Absolutely. Set up AutoPay through HDFC NetBanking to automatically deduct the total amount or minimum due every month.
6. Will I be charged extra for making online credit card payments?
In most cases, there are no charges for NetBanking, UPI, or NEFT. However, some third-party apps may charge a small convenience fee depending on the method.
7. What should I do if my payment does not reflect?
Wait for a few hours, then check your credit card statement again. If it still does not show up, contact HDFC customer support with the transaction reference number.
8. Can I make partial payment towards my HDFC credit card bill?
Yes, you can pay the minimum amount due or any custom amount online, but paying the full amount helps avoid interest charges.
9. Is paying credit card bills through third-party apps safe?
Yes, it is safe if you use trusted platforms like Cred, Paytm, or your bank’s official UPI app.
10. What happens if I miss my HDFC credit card payment due date?
You may face late payment fees, interest charges, and a possible negative impact on your credit score.