HDFC Bank Credit Card Bill Payment
Every way to pay your HDFC Bank credit card bill — app, net banking, UPI, BBPS, NEFT/IMPS, auto-debit — with posting times, charges and late fees.
Checked 28 September 2026 · Source: www.paisabazaar.com, www.bankbazaar.comWays to pay your HDFC Bank credit card bill
- HDFC NetBanking / MobileBankingown account transfer
- Autodebit / standing instruction (MAD or Total due) via Auto-Debit Authorization form
- NEFT/IMPS from other banksIFSC HDFC0000128, beneficiary account = 16-digit card number, payee = name on card
- UPI / BBPS appsPaytm, PhonePe etc.
- BillDesk ’Pay other bank’ portal
- Cheque at branch/drop box payable to ’HDFC Bank Card A/C <card no.>’
- Cash at branchRs 100 + GST fee
- ATM transfer via HDFC debit card
When will the payment reflect?
App, UPI and BBPS payments usually reflect the same day; NEFT may take a few hours to a working day; cheques and branch payments can take 2–4 working days.
Pay at least 2–3 working days before the due date when using slower modes. A payment counts as on time only when it is credited to the card account.
Due date, total due and minimum amount due
| Term | Meaning |
|---|---|
| Statement date | End of the billing cycle; your spends are totalled |
| Payment due date | Usually 15–20 days after the statement — you get at least a fortnight to pay |
| Total amount due | Pay this to avoid interest and keep the interest-free period |
| Minimum amount due (MAD) | Avoids the late fee, but interest applies on the entire unpaid balance from each transaction date |
| Grace for late fee | Late fee applies only if payment is more than 3 days past due, on the unpaid amount |
What paying only the minimum costs
| Interest (3.75% p.m.) | Minimum due paid (5%) | Balance after payment | |
|---|---|---|---|
| Month 1 | ₹3,750 | ₹5,188 | ₹99,237 |
| Month 3 | ₹3,693 | ₹5,109 | ₹97,729 |
| Month 6 | ₹3,609 | ₹4,993 | ₹95,510 |
| Month 12 | ₹3,447 | ₹4,769 | ₹91,222 |
₹1 lakh revolved, paying only 5% minimum due each month; interest + 18% GST. After a year you have paid ₹59,706 and still owe ₹91,222.
Late payment charges
| Amount outstanding | HDFC Bank | SBI Card |
|---|---|---|
| Up to ₹100 | Nil | Nil |
| ₹101 – ₹500 | ₹100 | ₹100 |
| ₹501 – ₹1,000 | ₹500 | ₹500 |
| ₹1,001 – ₹5,000 | ₹600 | ₹750 |
| ₹5,001 – ₹10,000 | ₹750 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 | ₹1,100 |
| Above ₹50,000 | ₹1,300 | ₹1,300 |
Plus 18% GST. Charged only if payment is more than 3 days past the due date, on the unpaid amount. Other issuers use similar slabs — check your card’s MITC.
Credit card interest calculator
Frequently asked questions
How can I pay my HDFC Bank credit card bill?
HDFC NetBanking / MobileBanking (own account transfer); Auto-debit / standing instruction (MAD or Total due) via Auto-Debit Authorization form; NEFT/IMPS from other banks: IFSC HDFC0000128, beneficiary account = 16-digit card number, payee = name on card; UPI / BBPS apps (Paytm, PhonePe etc.).
How long does a payment take to reflect?
Instant for app, UPI and BBPS payments at most issuers; NEFT/cheque can take 1–3 working days — pay a few days early.
What happens if I pay only the minimum amount due?
You avoid the late fee, but interest of about 3.5%–3.75% a month is charged on the whole unpaid balance from each transaction date, and new purchases lose their interest-free period.
Is there a charge for paying by cash or cheque?
Many issuers now charge for branch cash or cheque drop-box payments (e.g. SBI Card ₹250 cash / ₹200 cheque). Digital modes are free.
Details compiled from HDFC Bank’s official pages (www.paisabazaar.com, www.bankbazaar.com, cleartax.in, cardinsider.com, www.hdfc.bank.in) and reputable sources on 28 September 2026. FinancePortal is not affiliated with HDFC Bank; confirm on the issuer’s website.