HDFC Credit Card Payment through NEFT

Last Updated : April 29, 2025, 3:22 p.m.

NEFT (National Electronic Funds Transfer) offers a convenient way to pay your HDFC credit card bills from any bank account. This method is especially useful when you want to make payments from banks other than HDFC or when you prefer not to use the direct payment options. Here’s a comprehensive guide on how to make HDFC credit card payments through NEFT.

What is NEFT?

NEFT serves as India's nationwide digital banking framework, enabling secure point-to-point monetary transactions directly between accounts across financial institutions throughout the country. It operates in hourly batches throughout working days and is now available 24x7, including holidays.

Benefits of Using NEFT for HDFC Credit Card Payments

• Convenience: Pay from any bank account in India
• No Charges: NEFT transfers are usually free or levy minimal charges
• Reliability: Safe and regulated by the Reserve Bank of India
• Flexibility: Can be done through net banking, mobile banking, or visiting a bank branch
• Tracking: Payments can be tracked and confirmed easily

Information Required for NEFT Transfer

To pay your HDFC credit card bills via NEFT, you’ll need:

1. Beneficiary Name: HDFC Bank Credit Card
2. HDFC Bank IFSC Code: HDFC0000128
3. Account Number Format: Your 16-digit credit card number
4. Account Type: Current Account

Step-by-Step Process for HDFC credit card payments through NEFT

Through Internet Banking:

1. Log in to your bank’s internet banking portal
2. Navigate to the NEFT/Fund Transfer section
3. Add HDFC Bank as a beneficiary with the details mentioned above
4. Enter the amount you wish to pay
5. Complete the transaction using your security credentials
6. Save the transaction reference number for future reference

Through Mobile Banking:

1. Open your bank’s mobile banking app
2. Go to the Fund Transfer or NEFT section
3. Add HDFC Credit Card as a beneficiary
4. Enter the required details and amount
5. Authorize the transaction
6. Note down the reference number

At Bank Branch:

1. Fill out the NEFT form provided by your bank
2. Include all the necessary HDFC credit card details
3. Submit the form along with any applicable fees
4. Retain the acknowledgment receipt

Processing Time

NEFT transfers are processed in hourly batches. The credit card payment usually reflects in your account within a few hours, though it may take up to 24 hours in some cases.

Important Points to Remember

• Always double-check the credit card number and other details before initiating the transfer
• Keep transaction references for at least 30 days
• Schedule payments a few days before the due date
• to avoid late payment charges
• NEFT amounts are credited to your credit card only when the card number is correctly mentioned
• For payments made on weekends or holidays, the credit might be applied on the next working day

Verifying Your Payment

After making the payment, you can verify it through:

1. HDFC Bank NetBanking
2. HDFC Bank Mobile Banking App
3. Customer Care: 1800-266-3333
4. Next credit card statement

Alternative Payment Methods

While NEFT is convenient, HDFC Bank also offers other payment options like:

• UPI payments
• IMPS transfers (for more immediate crediting)
• Auto-debit facility
• Payment through HDFC Bank ATMs
• Digital wallets

How does NEFT compare to other methods for paying HDFC credit card bills?

Conclusion

HDFC credit card payments through NEFT is a convenient and reliable method for cardholders to settle their credit card bills at any time. With the service now available 24x7x365, customers are no longer restricted by banking hours or holidays when making payments. The streamlined process requires only the IFSC code HDFC0000128 and your 16-digit card number, making it accessible even from accounts with other banks. While NEFT typically takes 1-2 days for settlement through its half-hourly batch processing system, this paperless solution eliminates the delays associated with physical payment methods like cheques or demand drafts. For those seeking financial flexibility, NEFT represents a secure, efficient, and increasingly popular channel for managing credit card obligations in today's digital banking landscape.