How to Pay an HDFC Credit Card Bill and Settle Your Account
Managing your HDFC credit card bill efficiently is crucial to maintain a good credit score and avoid any overdraft fees. This article will guide you through various methods of paying your HDFC credit card bill and settling your account with HDFC Bank.
Methods to Pay Your HDFC Credit Card Bill
There are multiple convenient ways to pay your HDFC credit card bill:
Online Banking
Login to your HDFC Bank net banking account using your registered credentials. Navigate to the Credit Card section. Select Pay Credit Card Bill and follow the prompts to complete the payment.This method is straightforward and provides instant confirmation of your payment.
HDFC Mobile Banking App
Open the HDFC Bank mobile app and log in with your mobile authentication credentials. Go to the Credit Card section. Choose Pay Credit Card Bill and enter the amount you wish to pay.The mobile app simplifies the payment process, making it accessible and convenient.
NEFT/RTGS
Use National Electronic Fund Transfer (NEFT) or Real Time Gross Settlement (RTGS) from any bank's net banking service. Add your HDFC credit card as a beneficiary using your 16-digit credit card number.NEFT/RTGS offers the flexibility to make payments through different banking networks, ensuring accurate and timely transactions.
Auto Debit
Setting up an auto-debit facility can automate the process of paying your HDFC credit card bill. Here's how:
Login to your HDFC net banking account or HDFC mobile app. Follow the steps to set up auto-debit, linking a bank account to pay the minimum amount or total bill amount every month.This feature eliminates the need for manual payments and ensures that you stay on track with your bill payments.
Cash Deposit
If you prefer to pay in cash, you can:
Visit any HDFC Bank branch and deposit cash at the counter. Alternatively, use an ATM for depositing cash.For those who prefer to handle money directly, this method offers the flexibility to pay face to face.
Cheque Payment
To pay via cheque, simply:
Write a cheque in favor of HDFC Bank. Deposit the cheque at an HDFC Bank branch counter or through an ATM.While not as convenient as digital payment methods, cheque payments provide a more traditional way to settle your bill.
Payment through UPI
Using Unified Payments Interface (UPI) apps, you can pay your HDFC credit card bill by selecting the HDFC credit card option. This method is quick and easy, especially if you prefer the convenience of a mobile payment system.
Regardless of the payment method you use, it's important to check for any processing fees and ensure that your payment is made before the due date to avoid late fees and interest charges.
Options for Settling Your HDFC Credit Card Account
Once you've settled the outstanding balance, you have two main options for handling your HDFC credit card:
Option 1: Pay All Outstanding Amount and Cancel the Card
Pay all outstanding amounts, including both billed and unbilled transactions. Do not perform any further transactions. No bill will be generated anymore. You can request card settlement by logging into your account or contacting customer care to deactivate your card. After some days, you will receive a confirmation email for the card being settled.Option 2: Mandatory Payment to Close Your Card
If you cannot pay the total outstanding amount, call customer care and convert all your transactions into Equated Monthly Installments (EMI). Avoid performing any further transactions after conversion. Once the EMI payment and your card are closed, you can request HDFC to process the closure.General Steps to Settle Your HDFC Credit Card
To settle your HDFC credit card, follow these general steps:
Check your card statement to know the total outstanding balance, including any pending interest or fees. Call the HDFC customer care at the provided helpline number. You can find this number on the back of your credit card or on the official website.For detailed procedures and specific requirements, always check the HDFC Bank's official website or contact their customer service directly.