How useful is Autopay for HDFC Credit Cards?

[skywatcher404]

I have a savings account with HDFC. I was wondering if it made sense to enable Autopay via Net Banking, for the entire bill amount.
When is the money deducted from the account? On the statement generation day, or on the last payment day?
What if I don't have sufficient funds on that day?

 

[HazelBlotch]

I have been using Auto-pay for 6 years now on my HDFC Infinia.
The money is deducted on the due date.
If you don't even have enough money for the minimum due you'll have to pay a penalty depending on the total due amount and the interest

 

[akshayhs]

If you have ESP (Easy shop platinum) or any other platinum debit card, or even Millennia, then don't set it on AutoPay.

I have set mine to AutoPay only for minimum due amount. But I have always paid through Amazon Pay and it is settled (almost) instantly.

The amount if not paid externally already, will be debited on the due date.

You will be penalized if you don't have sufficient funds on that day.

 

[HazelBlotch]

If you have ESP (Easy shop platinum) or any other platinum debit card, or even Millennia, then don't set it on AutoPay.

why?

 

[panu24]

Platinum debit card if used to pay credit card bills using HDFC billpay, you will earn 1% cashback upto 750/- per month.

 

[HazelBlotch]

Platinum debit card if used to pay credit card bills using HDFC billpay, you will earn 1% cashback upto 750/- per month.

Any other way? I looked into it once but it appeared too janky and you have to input balance yourself. It isn't able to find the due balance on it's own like autopay.

 

[skywatcher404]

I have been using Auto-pay for 6 years now on my HDFC Infinia.
The money is deducted on the due date.
If you don't even have enough money for the minimum due you'll have to pay a penalty depending on the total due amount and the interest

If I myself make a partial payment or the entire payment before the due date, what happens on the due date if Autopay is enabled?

 

[HazelBlotch]

If I myself make a partial payment or the entire payment before the due date, what happens on the due date if Autopay is enabled?

Nothing. They will recognize the amount that you paid and complete the payment depending on that. If you paid all of it, Auto-pay will not do any transaction.

 

[skywatcher404]

Nothing. They will recognize the amount that you paid and complete the payment depending on that. If you paid all of it, Auto-pay will not do any transaction.

Wow. Sounds like a blessing in disguise, then

 

[Alex292929]

will it work if I set my cc bill for the auto payment?