there is NEFT, direct netbanking, billdesk various other options present to pay bill <100 for any bank. Do check credit card statement and/or bank website for these options.
Unipay is not sponsered by any bank, and if you wait then you'll have to pay penalty.
I don't have HDFC account 55rs amount is not taking when I tried to pay through Paytm and other apps so paid extra but still it refunded back now they messed up my cibil score.some where I headed below 100 rs there is no issue any mail id to contact HDFC other than customer care
@TechnoFino
In every month statement mail has this
which takes you here...