HDFC Credit Card bill payment through other bank account

Transferring money to HDFC credit card from any account through Visa Money Transfer costs money.

The  best option is to use your Salary Account for such payments and transfer money through NEFT. Usually, you are not charged any extra amount  if you use your Salary Account for NEFT.

So this is how it goes.

Step 1: Adding a Payee

Add a payee with this info

Account no: HDFC Credit Card No (16-digit card number).

Name: As it appears on the credit card.

Bank: HDFC Bank

Account Type: Savings

IFSC Code: HDFC0000128

Note: Verify the IFSC code from the latest Bill statement. If you receive bill statement through email there's a mention of IFSC code in the e-mail under

Instructions for making payments

• If you are an HDFC Bank account holder, you can pay your Card outstanding through NetBanking/ ATM Funds Transfer.


• If you do not hold an account with HDFC Bank, you can pay your Card outstanding through NEFT (Use IFSC code HDFC0000128)/ Visa Money Transfer


• Alternately, you can pay your card outstanding through cheque. Please draw the cheque favoring your “HDFC Bank credit Card No. xxxx xxxx xxxx xxxx” (16-digit card number).


• Write your name and telephone/Mobile No. at the reverse of the cheque and drop it in an HDFC Bank drop box placed at your nearest HDFC Bank Branch.

Step 2: Paying the Payee

Once the payee is added you can transfer the bill amount to the payee.

Unlike Credit Card payment, in NEFT transfer the amount field doesn't take decimal digits so while paying the bill amount of Rs 500.70 you are required to round it off to Rs 501. You will be credited Rs 0.30 in your HDFC credit card account.

That's it.

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