HDFC Bank was founded in 1985 with an aim to help people achieve their financial goals and aspirations. It has 23 million+ customers and offers an array of products and services. HDFC credit card is one of the most popular credit cards in India. In this article, we have made a detailed discussion about “HDFC Credit Card Payment Through Debit Card”.
Topics Covered In This Article:
- Benefits of Using HDFC Credit Card For Online Shopping
- Should You Use an HDFC Credit Card or Bank Transfer for Online Shopping?
- Some Fees and Charges Associated With HDFC Bank
- HDFC Credit Card Payment Through Debit Card- HDFC Debit Card & Other Bank Debit
- How to Use Your HDFC Credit Card for EMI Transactions?
Now, let’s discuss everything in detail. Let’s begin by understanding benefits of using HDFC credit card for online shopping.
Benefits of Using HDFC Credit Card For Online Shopping
The HDFC credit card is a great way to make online shopping more convenient and secure. It is accepted at over 1 million online stores that sell everything from fashion to electronics.
Online shoppers can look forward to no processing fee, no annual fee, and free shipping on purchases of Rs. 5,000 or more. It offers a host of benefits, including a low interest rate, zero processing fees, a cashless experience, cashback offers, and reward points.
Should You Use an HDFC Credit Card or Bank Transfer for Online Shopping?
Some people prefer to use their HDFC credit card when they shop online because they are comfortable with the security features that come with this payment method. Another reason is that these cards offer a number of benefits like flight discounts, free travel insurance and cashless transactions etc. , which can be useful for those who travel frequently or spend a lot on online purchases in general.
On the other hand, there are some people who would rather use bank transfers because they don’t want to deal with all the fees associated with credit cards. There are also some who believe that bank transfers offer more security than using credit card payment for online shopping.
Some Fees and Charges Associated With HDFC Bank
- There is no fee for balance enquiries or ATM withdrawals at any of the HDFC ATMs.
- The minimum monthly balance required to maintain an account with HDFC is Rs. 5,000.
- For balances below Rs 5,000, a fee of Rs. 150-600 will be charged excluding taxes
- There are no annual charges or penalties imposed on account holders who have not used their accounts in six months or more.
- All other transactions such as purchase of goods/services, cash withdrawals from non-HDFC ATMs, cash advances from HDFC ATMs, etc., attract a transaction charge of 2%.
HDFC Credit Card Payment Through Debit Card
There are two ways to make HDFC credit card payments through debit card. One, you can pay it through other bank’s debit card and another, you can use HDFC debit card to make it’s credit card payment. Currently, HDFC accepts 60 banks debit card for this purpose.
A) Steps For HDFC Credit Card Payment Through HDFC Debit Card
- Visit HDFC ATM
- Use Debit card in Machine and Enter Pin
- From menu, select services and choose credit card bill payment from bill payment options
- Enter credit card details
- Select the amount and click confirm.
B) Steps For HDFC Credit Card Payment Through Other Bank Debit Card
- Enable Internet Banking In Your Other Bank’s Saving Account
- Use HDFC Billdesk to Make Credit Card Payment Online
How to Use Your HDFC Credit Card for EMI Transactions?
The HDFC Credit Card offers EMI transactions, which helps you to pay off your purchase over time with no interest charges. This is especially beneficial for those who are looking to buy expensive products like cars and electronics items but cannot afford them all at once.
The process to use HDFC credit card for EMI transactions is quite simple.
Step 1: First, the customer needs to find a product that they are interested in and then select the option of EMIs.
Step 2: Then, they need to enter their HDFC credit card details and choose a bank account. This will redirect you to bank’s website.
Step 3: The customer will need to enter their login credentials on the bank’s website and then select an option for confirmation of payment.
Step 4: Once this is done, the customer can confirm their purchase and complete their HDFC credit card for EMI transaction process.
So, this is all for our discussion on “HDFC Credit Card Payment Through Debit Card 2022”. If you have any confusion regarding anything, please post your question below in the comment box. Thank You!
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