How to Pay HDFC Credit Card Bill Using a Debit Card

Paying your HDFC credit card bill on time every month is crucial to avoid late fees and interest charges. It also helps maintain a good credit score. HDFC Bank offers multiple ways to pay your credit card bill, including online, mobile app, auto-debit, and more. One very convenient option is to use a debit card to pay your HDFC credit card bill.

Overview of Paying Credit Card Bills with Debit Cards

A debit card is linked to your bank account and allows you to make purchases by directly withdrawing funds from your account. This differs from a credit card where you are borrowing money that you pay back later. When you use a debit card to pay a credit card bill, it simply transfers money from your bank account to pay off your credit card balance.

Most banks allow you to use debit cards to make credit card payments, HDFC Bank enables customers to pay HDFC credit card bills with HDFC Bank debit cards as well as other bank debit cards, It’s a quick and easy payment method

Step-by-Step Guide to Pay HDFC Credit Card Bill via Debit Card

Follow these simple steps to pay your HDFC credit card bill using your debit card

1. Log in to your HDFC Bank netbanking or mobile banking app.

2. Go to Credit Card > Pay Credit Card Bill

3. Select the HDFC credit card you want to make payment for.

4. Enter the amount you wish to pay. You can pay the total outstanding or a partial amount.

5. Choose “Debit Card” as the payment mode.

6. Enter your debit card details – card number, expiration date, CVV.

7. Review payment details and confirm.

8. Enter the OTP received on your registered mobile number to complete payment.

That’s it! The payment will reflect in your HDFC credit card account within 1-2 business days.

Pay HDFC Credit Card Bill via Debit Card on PayZapp

In addition to netbanking, you can also use PayZapp to pay your HDFC credit card bill with a debit card. Just follow these steps:

1. Open your PayZapp app and login.

2. Go to Bill Payments > Financial Services > Credit Card.

3. Search for and select HDFC Bank credit card.

4. Enter your HDFC credit card number to fetch the bill.

5. Review bill amount and enter amount to pay.

6. Choose your linked debit card to make payment.

7. Confirm payment details and complete payment using OTP.

Benefits of Paying Credit Card Bills via Debit Card

Paying HDFC credit card bills through a debit card offers many benefits:

• Convenience – Make payments anytime, anywhere through netbanking or mobile apps.

• Speed – Debit card payments reflect faster than checks or cash deposits.

• Payment tracking – You can easily track payment status in netbanking.

• No fees – HDFC Bank does not charge any fee for debit card bill payments.

• Reward points – You may earn reward points on payments made through HDFC Bank debit cards.

• Avoid late fees – Pay bills before due date to avoid late payment fees and credit score impact.

Tips for Paying HDFC Credit Card Bill with Debit Card

Follow these tips for smooth debit card bill payments:

• Schedule payments at least 2 days before due date to allow processing time.

• Opt for auto-pay via debit card to avoid missing due dates.

• Sign up for bill payment reminders to prevent forgetting.

• Make partial payments across multiple debit cards if short on funds.

• Check account balance before initiating payment to avoid declines.

• Save your card details on netbanking to speed up future payments.

Paying your monthly HDFC credit card bill using a debit card is usually quick, easy, and hassle-free. HDFC Bank offers multiple ways to pay bills with debit cards, including through netbanking, mobile banking, and PayZapp. Making timely debit card payments helps you avoid late fees, interest, and credit score damage. Just be sure to schedule payments in advance of your due date for smooth processing. Follow the tips provided here for an optimal debit card bill payment experience.