HDFC Bank offers varied facilities to its customers, including credit cards. There are many credit cards designed by HDFC as per the varied requirements of applicants. Some of them are HDFC Regalia Credit Card, HDFC Regalia Gold Credit Card, HDFC Millennia Credit Card, Swiggy HDFC Bank Credit Card, and many more. Once the card has been chosen, after considering various pros and cons, one has to register, activate it, and then make the payments of the outstanding dues. In this article, we will understand the different payment modes available to make bill payments for HDFC Millennia cards.
Different Modes to Make HDFC Millennia Credit Card Payment
Mentioned below are the different modes to make the HDFC Credit Card Payment:
- Via Internet Banking
Mentioned are the steps to register your new card:
Step 1: Open the HDFC Bank’s official website.
Step 2: Login using your Net Banking ID and password.
Step 3: From the list available, go to the tab “Credit Cards” tab.
Step 4: Click on “Register New Card”, available on the left side of the screen.
Step 5: Provide all necessary details required, like card number, ATM PIN, and expiration date.
Step 6: Click on “Submit”.
Mentioned are the steps to make bill payment via internet banking:
Step 1: Log in to HDFC Net Banking using your Net Banking ID and password.
Step 2: Under the main menu, click “Pay”.
Step 3: Now go to the tab “Credit Cards”.
Step 4: Now, select the type of payment, i.e. Minimum Due, Total Amount Due, or some custom amount.
Step 5: Click on “Confirm” to proceed.
- Via Mobile Banking
Mentioned below are the steps to make payment via the mobile app:
Step 1: Log into the mobile banking app of HDFC Bank.
Step 2: Login using a quick access PIN or Customer ID and password.
Step 3: Now go to the tab “Pay”, and then click “Cards”.
Step 4: Choose the credit card towards which the payment is to be made and click “Pay”.
Step 5: Now, select the type of payment, i.e. Minimum Due, Total Amount Due, or some custom amount
Step 6: Review the details provided and click “Confirm” to proceed.
- Through NEFT
Mentioned below are the steps to make payment through NEFT:
Step 1: Log in to HDFC Internet banking using your customer ID and password.
Step 2: Under the tab “Funds Transfer”, select “NEFT”.
Step 3: Click “Add Beneficiary”.
Step 4: Enter your credit card number to add the beneficiary account number.
Step 5: Also, provide the name of the cardholder and IFSC code.
Step 6: Now, provide the amount to be paid.
Step 7: Click on “Accept the terms and conditions” and then “Pay”.
- Through RTGS
Mentioned below are the steps to make payment through RTGS:
Step 1: Visit the HDFC net banking portal using your credentials.
Step 2: Under Funds Transfer, “RTGS”.
Step 3: Add the HDFC credit card number as your beneficiary’s account number.
Step 4: Enter the cardholder’s name in the place of the beneficiary’s name.
Step 5: Provide the IFSC code – HDFC0000128.
Step 6: Now, select the HDFC card from the list of beneficiaries.
Step 7: Provide the amount to be paid.
Step 8: Review the details entered and click “Pay”.
- Via BillDesk
Mentioned below are the steps to make a payment through BillDesk:
Step 1: Visit the HDFC Bank BillDesk page.
Step 2: Next, enter the 16-digit credit card number along with the amount to be paid.
Step 3: Click on “Pay”.
Step 4: The net banking portal will automatically be redirected.
Step 5: Provide your User Name and ID for authentication purposes.
Step 6: Confirm the amount to be paid.
Step 7: The transaction will then be confirmed, and a confirmation along with the Transaction Reference Number will be received.
Step 8: An acknowledgement of the same will be received by e-mail.
- Via VISA CardPay
Mentioned below are the steps to make a payment through Visa CardPay:
Step 1: Using your customer ID and password, log in to Internet banking.
Step 2: Click on the tab “Third Party”.
Step 3: Enter the sender and receiver details as asked for.
Step 4: Choose the bank account from which you wish to make payment.
- Through Cheque
Mentioned below are the steps to make a payment by cheque:
Step 1: Make a cheque payable to the HDFC Bank Card Account, including a 16-digit credit card number.
Step 2: Next, you are required to deposit the cheque at an HDFC ATM for processing.
- By Visiting ATM
Mentioned below are the steps to make a payment by visiting an ATM:
Step 1: Visit any ATM near you.
Step 2: Place your debit card into the ATM machine.
Step 3: Select the card towards which the payment is to be made.
Step 4: Press the tab “Main Menu” and then “More Options”.
Step 5: Then, opt for “Make Credit Card Payment”.
Step 6: Now, choose either “Savings Account” or “Current Account”, out of which the payment will be made.
Step 7: Enter the amount you desire to pay and press “Confirm”.
Step 8: Provide your 16-digit credit card number.
Step 9: Confirm the payment by entering your 4-digit ATM PIN.
- Through Cash
Mentioned below are the steps to make payment through cash:
Step 1: Visit any nearest HDFC branch.
Step 2: The credit card bill can be paid via cash.
Step 3: The bank levies a fee of INR 100 per payment.
HDFC Credit Card Late Payment Charges
In case the minimum dues are not paid, late payment charges are imposed. It is a fixed amount of charges that are calculated on the remaining balance. Mentioned below are the HDFC Millennia Credit Card Late Payment Charges:
| Total Outstanding Amount | Charge |
| Up to INR 100 | Nil |
| Between INR 100 to INR 500 | INR 100 |
| Between INR 501 to INR 5,000 | INR 500 |
| Between INR 5,001 to INR 10,000 | INR 600 |
| Between INR 10,001 to INR 25,000 | INR 800 |
| Between INR 25,001 to INR 50,000 | INR 1,100 |
| More than INR 50,000 | INR 1,300 |
Payment Modes and Processing Times
| Payment Mode | Processing Time |
| Net banking | Same day |
| Mobile banking | Same day |
| NEFT | 1 working day |
| RTGS | 1 working day |
| ATM Funds Transfer | Same day |
| UPI | Instantly |
| Cheque | 3 to 5 days for other bank’s cheques. Up to 2 days for the cheque from HDFC |
| HDFC Bill Desk | 2 to 3 working days |
| Cash | Same day |
