HDFC Credit Card Payment 2024

HDFC credit cards are a popular choice for international transactions due to their convenience and flexibility.This guide will cover how to manage and pay your HDFC credit card bills, including how to activate your card for international use, and various payment methods. We will outline the steps to enable international transactions, explore different payment options (online and offline), and discuss any associated fees. 

How to Make an HDFC Credit Card Payment in Easy Steps

As everyone is familiar with the rule of carrying a limited amount of foreign currency, having credit cards has always been the most preferred way of making international transactions. However, some still wonder if it’s safe to carry a Credit Card or Forex Card for shopping, and how to manage and pay their Credit Card bills. To address these concerns, we have shared all the details on how to make an HDFC Credit Card payment. 

If you have an HDFC debit or credit card, you would be aware of the flexibility it offers when it comes to the payment of the bill. You can pay through a variety of channels, both online and offline, including HDFC Bank NetBanking App. This flexibility allows you to choose a payment method that best suits your convenience and preference.

 Let’s learn more about the ways to use HDFC Credit Cards and how to make card payments effectively. 

How to Activate an HDFC Credit Card for International Transactions?

(1) Using HDFC assistant Eva

• Visit the HDFC official site 
• On the right hand side, the digital assistant Eva will pop up 
• Type ‘Manage my Credit Card’ in the chat box
• Select ‘International Transactions’ 
• Click on ‘How to enable international transactions on my Credit Card?’ 
• Enter your linked mobile number
• Submit the OTP sent to your mobile
• Provide the last 4 digits of the credit card number
• Select ‘Enable International Transactions’

Note: Eva can also help you set daily spending limits for international transactions.

(2) WhatsApp Banking

• Add HDFC Banks’ official WhatsApp Number (7065970659)
• Send the message ‘Manage my Credit Card’ 
• You will receive a text asking to choose from various options
• Choose ‘International Transactions’ or just type the number
• An OTP will be sent to your registered mobile number 
• Enter the last 4 digits of your Credit Card number
• Change the current status of International Transactions from Disabled to Enable

(3) NetBanking

• Use your Customer ID to log in to HDFC NetBanking
• Select Cards > Request > Set Card Usage Limit
• Check your current Daily Domestic/Daily International Usage for all types
• ‘Enable’ International Usage and click on Continue
• Press ‘Confirm’ on the review page
• Enter the OTP sent to your mobile and click on ‘Continue’

Benefits of Using HDFC Bank Credit Card to Make Payments

An HDFC Credit Card offers a secure and convenient way to handle payments while providing numerous advantages over using cash. Here are some key benefits:

• Safe and secure transactions 
• Single cards supports multiple currencies 
• Interest-free loan period for a month
• Prompt transactions 
• Redeemable reward points 
• Cheaper exchange rate 
• Easy EMI options 

How to make an HDFC Credit Card Bill Payment?

Here are a few easy steps to make your HDFC Bank Credit Card payment without any confusion-

Step 1 - The most crucial step is to provide your credit card payment details by entering your card number and payment amount. 

Choose your net banking option from the drop-down menu and click on Pay. Then, you will be securely redirected to your chosen bank payment interface.

Step 2 - Confirm your payment at the bank by entering your authentication details (via user ID/password). The amount will be debited online and your HDFC Bank Credit Card will be credited within 3 to 4 working days. 

Note: It is suggested to make payments at least 4 working days before the due date. 

Step 3 - You will receive online transaction confirmation and a Transaction Reference Number. Also, if you have provided your email ID, you will receive an acknowledgment email of your transaction. Your account will be debited online accordingly. 

HDFC Credit Card Bill Payment Options 

If you have an HDFC Bank credit card, you can choose from a variety of flexible options to pay your bills. Here’s a guide to both offline and online payment methods:

Offline HDFC Bank Credit Card Bill Payment Options

You can pay your HDFC CC payment through ATM Funds Transfer, over the counter, through cheque, or NEFT.

• When you choose ATM Funds Transfer or over-the-counter payment, you will need to pay Rs 100 per transaction as a cash processing fee. 
• Through cheque payment, the amount will get credited to your credit card account within 3 working days. 
• You can also visit any nearest HDFC branch and request for the NEFT using the IFSC Code.  

Online HDFC Bank Credit Card Payment Options

There are various options available online for easy HDFC CC payment.  Here’s a guide to help you choose the best option for your needs:

(1) HDFC Credit Card Bill Payment Through Net Banking 

You can easily use the HDFC Net Banking facility by linking your card to your account.

Once you register your credit card, follow these steps:

• Log in to your Net Banking account by using your ID and password
• Go to Pay tab and Select the “Credit Cards” option
• Choose your card and click on “Pay”
• Type the amount (Minimum/Total/Other)
• Click “Confirm” to complete the payment 

(2) HDFC Credit Card Payment Through Mobile Banking Application 

Link your HDFC credit card to the mobile banking account for easy and fast bill payment:

• Download the HDFC Mobile Banking application 
• Enter your Customer ID/Password or log in via Quick Access Pin
• Click on “Pay” and select “Cards”
• Choose your registered card 
• Select “Pay”
• Add the amount you want to pay 
• Click confirm and complete the payment  

(3) Autopay Option to Pay HDFC Credit Card Bill

Here’s how you can auto-debit the amount from your bank account:

• Fill out the AutoPay registration form 
• Set a maximum amount for auto-debit 
• NEFT payments typically take 1-2 days to process, while IMPS payments are completed within 1 day
• Autopay facility will get activated within 7 days from your application date

(4) Using ATM Funds Transfer for HDFC Credit Card Bill Payment 

By following a few steps you can pay your credit card bill through a nearby ATM:

• Insert your debit card for bill payment 
• Select the “Main Menu” option on the right side of the ATM screen
• Press “More Options”
• On the top left, select “Make Credit Card Payment”
• Select “Savings Account” or “Current Account”
• Enter the bill amount and press “Confirm”
• Add your 16-digit credit card number > Confirm 
• Then, enter the debit card's 4-digit PIN to proceed

(5) Payment by Cash 

Visit any HDFC Bank branch counter to pay your credit card bill in cash, or use an ATM to deposit cash.

(6) Pay Credit Card Bill Through Cheque/Demand Draft 

Write a cheque or demand draft payable to HDFC Bank Card A/c and include your 16-digit credit card number. Then, deposit the cheque at a branch or ATM of HDFC Bank.

(7) Bill Payment Through Bill Desk

Here's how to pay your HDFC Bank Credit Card using a non-HDFC Bank account:

• Go to bill desk and enter your credit card number and payment amount 
• Select your net banker and click on “Pay”
• You will get redirected to your chosen bank’s payment interface 
• Enter your user ID and password
• Confirm your payment amount 
• Receive your online transaction confirmation and a Transaction Reference Number
• Also, receive a confirmation email (if email ID is provided)

(8) Pay HDFC Credit Card Bill Using Mobile Wallets

Here’s a general guide for paying your HDFC credit card bill using mobile wallets:

1. Open the Mobile Wallet App: Launch your preferred app such as Paytm, MobiKwik, Google Pay, or PhonePe.
2. Navigate to Bill Payments: Find the section for bill payments or recharge options within the app. This is typically labeled as Recharge & Bill Payments, Pay Bills, or a similar category.
3. Select Credit Card Payment: Choose the option for credit card bill payment. You may need to select Credit Card Payment or a similar choice depending on the app.
4. Enter Credit Card Details: Input your HDFC credit card number. Some apps may also prompt you to give a nickname to the card for easier identification.
5. Link Your Card (if necessary): If this is your first time paying through the app, you might need to link your credit card to your account. Follow the prompts to do so.
6. Proceed to Payment: After entering the required details and linking your card, follow the instructions to complete the payment. This usually involves confirming the payment amount and verifying the transaction.

Payment Processing Time for the Various Methods

Here you can see the estimated processing time of the payment method you choose:

HDFC Cards International Transaction Fees 

There is a foreign transaction fee, often referred to as currency mark-up fee, applicable on HDFC Credit Cards. (A foreign transaction fee is a surcharge applied to your HDFC Credit Card payment that is made to purchase something in a different currency.)

It varies depending on the card type and is usually between 2% and 5% of the spent amount.Additionally, all fees, interest, and other credit card charges are subject to 18% GST. However, not all banks charge this fee, so it’s important to get in touch with your credit card provider to understand the exact charges associated with your card.

New HDFC Bank Credit Card Payment Rules from August 1, 2024

If you are an HDFC Bank Credit Card holder, here are some recent updates HDFC Bank has made regarding the terms and charges you should be updated about-

(1) Platform Payment fees: Users of other platforms such as Freecharge, Mobikwik, CRED, PayTM, and Cheq, need to pay 1% of the transaction value (with a maximum of Rs 3,000 per transaction).

(2) Fuel Transaction Fees:

• There is no additional fee charged on fuel transactions of less than Rs 15,000.
• However, if you are spending more than Rs 15,000, a 1% fee will be charged on the entire amount. 

(3) Utility Transaction Fees: Now, you can save on additional fees on consumer cards, if you are spending less than Rs 50,000 on Utility transactions. For more than that you will need to pay a 1% fee on the entire amount.

(4) Business Card Transaction Fees: Business card transactions of up to Rs 75,000 will not charge any additional fee. However, if you spend more than that, a 1% fee will be charged. 

Note: Insurance transactions won’t be considered as Utility transactions. Hence, there will be no charge applicable.

(5) Education Fees:

• No fee for payments made through college/school websites or their POS machines.
• A 1% fee will be charged for education payments made through third-party apps like CRED, Paytm, Mobikwik, Cheq, etc.

(6) Cross-Currency and International Transaction Fees: 

• A 3.5% markup fee applies to cross-currency and international transactions.
• Specific card fees are as follows:
  • 2.5% for 6E Rewards Indigo XL
  •  2% for Infinia, Infinia (Metal Edition), Diners Black, Diners Black (Metal Edition),  Biz Black Metal Card, Regalia Gold, BizPower, and Tata Neu Infinity HDFC Bank.

(7) Finance Charges:

• If you choose to pay less than the total due amount on retail and cash transactions, you will incur finance charges of 3.75% (per month).
• 1.99% of the finance charge will be applied for Infinia, Infinia (Metal Edition), Diners Black, and Diners Black (Metal Edition).

Late HDFC Credit Card Bill Payment

The table below shares the revised outstanding amount slab and its charges-

The following part contains the answers to some of the most commonly asked questions about the HDFC Credit Card payment:

Frequently Asked Questions