Recharge and Pay Bills
HDFC credit card bill payment online
HDFC Bank is one of the leading banks in India providing a range of financial products and services to its customers. HDFC offers an extensive range of credit cards to cater to the diverse needs of its customers. HDFC credit card provides a range of benefits such as cashback, discounts, reward points, and other exclusive offers. But it is crucial to make timely payment of the HDFC credit card bill to avoid late payment charges and interest.
HDFC offers various options to pay the HDFC credit card bill, including online payment, NEFT, net banking, mobile banking, offline payment, and more. Among these, payment through Bajaj Pay, the Bharat Connect platform on Bajaj Finance is the most convenient and straightforward option.
-
How to check your HDFC credit card outstanding amount
You can check your HDFC credit card outstanding amount through HDFC NetBanking, the HDFC mobile app, your latest statement or the Bajaj Finance payment screen, which fetches and displays your current bill amount.
- HDFC NetBanking: Log in and open your card account to view the outstanding hdfc credit card bill.
- HDFC mobile app: Check your card summary for the current amount due.
- Latest statement: Your hdfc creditcard statement shows the total and minimum amount due.
- SMS or missed-call service: Use HDFC's registered-mobile balance service to get the amount by SMS.
- Bajaj Finance payment screen: Open Bills and Recharges, select Credit Card Bills and fetch your bill.
HDFC credit card payment processing time by method
The processing time for HDFC credit card payment depends on the method you use. An HDFC credit card payment online through Bajaj Pay generally reflects instantly, while bank transfers and offline methods can take longer during non-banking hours or holidays. Use the table below to pick a mode that suits your due date.
Payment Method Expected Processing Time Bajaj Pay Bharat Connect platform Instant Bajaj Pay UPI Instant HDFC Bank net banking Usually within a few hours to 24 hours HDFC mobile banking app Usually within a few hours to 24 hours UPI apps Instant to a few minutes NEFT Up to 24 working hours RTGS Usually instant during banking hours IMPS Instant Auto-debit / Standing instruction On scheduled due date Cheque payment Up to 3 working days Third-party payment gateways Up to 2 working days For the fastest HDFC cc payment, use Bajaj Pay, UPI or IMPS, which reflect almost immediately.
HDFC credit card late payment charges
If you miss your HDFC credit card bill due date, the bank charges a late payment fee based on your outstanding amount. Interest and applicable taxes may also apply until you clear the balance. The table below shows the HDFC credit card late payment charges by outstanding amount.
Outstanding Amount Late Payment Charges Less than Rs. 100 Nil Rs. 100 – Rs. 500 Up to Rs. 100 Rs. 501 – Rs. 5,000 Up to Rs. 500 Rs. 5,001 – Rs. 10,000 Up to Rs. 600 Rs. 10,001 – Rs. 25,000 Up to Rs. 800 Rs. 25,001 – Rs. 50,000 Up to Rs. 1,100 Above Rs. 50,000 Up to Rs. 1,300 Note: Late payment charges, GST and finance charges are subject to change as per HDFC Bank policies. The figures above are indicative, so verify the latest fee structure on the official HDFC Bank website or your card statement before you pay. To avoid these charges, complete your HDFC credit card bill payment before the due date, and pay at least the minimum amount due if you cannot clear the full balance. You can make a quick HDFC card payment on Bajaj Pay, which reflects instantly and sends an email and SMS confirmation. Keep your payment receipt for your records.
Important rules for HDFC credit card bill payment
Keep these rules in mind to manage your HDFC credit card bill payment and avoid extra charges:
- Due date: Pay by the due date on your HDFC credit card statement to avoid a late fee.
- Minimum vs full payment: Pay the minimum due (about 5% of the balance) or the full amount.
- Late fee: Missing the minimum due by the due date attracts a late payment fee.
- Grace period: HDFC usually gives an interest-free period of about 20 to 25 days.
- Auto-debit: Set up auto-debit to clear the minimum or total due automatically.
Paying only the minimum due carries the balance forward and attracts interest until you clear the HDFC credit card bill in full.
Benefits of making HDFC Bank credit card payment online on Bajaj Finance
You can pay your HDFC credit card bill online on Bajaj Pay in a few steps. Here is what you get:
- Instant processing: Payments on Bharat Connect reflect instantly, with confirmation by email and SMS.
- Multiple payment modes: Pay by debit card, credit card, net banking or UPI.
- Payment history: Your payments are saved in one place for easy tracking.
- Secure platform: Every transaction is encrypted to protect your payment details.
Choose the mode that suits you and pay your HDFC bill before the due date.
How to make HDFC credit card bill payment online through Bajaj Finance platforms
On the Bajaj Finance app
- Download the Bajaj Finance app from the Google Play Store or App Store and install it on your device
- Open the app, log in, or register if you are a new user
- Scroll down to the ‘Bills and recharges’ section and click on ‘View all’
- Tap on 'CREDIT CARD BILL’
- Choose your credit card issuing provider as ‘HDFC BANK’ from the drop-down menu
- Enter the required details and click on ‘PROCEED’
- Your bill amount will appear, click on ‘PROCEED TO PAY’
- Select your mode of payment like UPI or Debit Card and tap on ‘PAY’
- Once you have completed the transaction, you will get notified that the payment was successful
On the Bajaj Finance website
- Go to the Bajaj Finance website
- Scroll down to the ‘Bills and recharges’ section and click on ‘View all’
- Tap on 'CREDIT CARD BILL’
- Choose your credit card issuing provider as ‘HDFC BANK’ from the drop-down menu
- Enter the required details and click on ‘FETCH YOUR BILL’
- Your bill amount will appear, click on ‘PROCEED TO PAY’
- Select your mode of payment like UPI or Debit Card and tap on ‘PAY’
- Once you have completed the transaction, you will get notified that the payment was successful
Pay credit card bills of other banks
Apart from HDFC credit card bill payment, Bajaj Finance also allows you to pay other banks' credit card bills. You can pay credit card bills of various banks such as:
Bajaj Finance app for all your financial needs and goals
Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.
You can use the Bajaj Finance App to:
- Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
- Invest in fixed deposits and mutual funds on the app.
- Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
- Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
- Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
- Shop from over 100+ brand partners that offer a diverse range of products and services.
- Use specialised tools like EMI calculators, SIP Calculators
- Check your credit score, download loan statements and even get quick customer support—all on the app.
Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.
Frequently asked questions
Bajaj Finance is one of the safest portals for credit card bill payment, with its advanced security mechanisms. It ensures safety of your money along with your personal credentials.
Yes, credit cards are billed monthly.
You should pay your credit card bill before its due date. Nevertheless, when your credit utilisation reaches 30%, it is advisable to pay the bill irrespective of the due date.
Yes, HDFC Bank allows setting up auto-debit for credit card payments. It debits either the minimum amount due or the total amount due on your statement date.
Yes, you can pay your HDFC credit card bill any time before the due date. Early payment lowers your credit utilisation and leaves a buffer for processing time, so the amount reflects well before the deadline. You can pay part or the full outstanding amount.
If your HDFC credit card payment fails but the amount is debited, it is usually auto-reversed to your source account within a few working days. Check your Bajaj Pay transaction history for the status, and retry the payment once the amount is reversed.
For a failed HDFC card payment, the debited amount is generally reversed to your original payment source within a few working days, depending on your bank. Keep your transaction reference handy and contact your bank or Bajaj Finance support if it is delayed.
You can pay on the Bajaj Finance website by entering your details, and the app asks you to log in or register. You enter your HDFC credit card number to fetch and pay the bill, so keep it ready before you start.
Yes, a late HDFC credit card payment can affect your credit score. Missed or delayed payments are reported to credit bureaus and can lower your score, and late fees and interest also add up. Paying by the due date helps protect your score.
Yes, you can make an HDFC credit card payment on Bajaj Pay 24x7, including weekends and holidays. Payments through Bajaj Pay usually reflect instantly, though bank-side processing for some modes may vary outside banking hours.
For HDFC credit card bill payment online, you usually need your HDFC credit card number and a payment method. On Bajaj Pay, enter the card number to fetch the outstanding amount, then pay by UPI, debit card, net banking or wallet.
