Pay Credit Card Bill Via HDFC Bill Payment Portal And Get 1% Cashback

[TechnoFinoTechnoFino is verified member.]

Are you paying your credit card bill via 3rd party app or directly from your bank portal? then you are probably losing 1% cashback.
If you pay your credit card bill via HDFC Bank bill payment portal using your HDFC Bank debit card then you can earn 1% cashback, maximum Cashback capping depends on your debit card type.
Maximum Cashback Capping-
If you have HDFC Easyshop Platinum debit card then you can earn 1% upto Rs. 750 per month, just pay Rs. 75,000 bill & get Rs. 750 cashback.
If you have HDFC Millennia debit card then you can earn 1% upto Rs. 400 per month, just pay Rs. 40,000 bill & get Rs. 400 cashback.

Not only credit card bill, you can pay any utility bill you want (must be available on Hdfc bank bill payment portal) & get 1% cashback.

To Pay Bill Follow These Steps-
1. Login to your HDFC Bank Netbaning
2. Click on "BillPay & Recharge" tab -> Click on Continue



3. Now click on Add Biller
4. Select Credit Card
5. Now select your card provider name



6. Enter your credit card detail
7. Enter amount you want to pay
8. Select your debit card from drop down menu
9. Click on pay



10. Enter OTP & Done!

You'll receive 1% Cashback for the transaction, you can check & redeem your debit card Cashback from "Card Tab -> Debit Card -> Enquiry -> Cashback Enquiry & Redemption"

 

[Gohio]

If you have Tata Neu Infinity Rupay card, you will get 1.5%, that will be 1500 neu coins for 1Lakh payment.

Is this still valid?
If yes, which apps to use?
Lastly, can it lead to card cancellation?

 

[kiran_kishore]

Are you paying your credit card bill via 3rd party app or directly from your bank portal? then you are probably losing 1% cashback.
If you pay your credit card bill via HDFC Bank bill payment portal using your HDFC Bank debit card then you can earn 1% cashback, maximum Cashback capping depends on your debit card type.
Maximum Cashback Capping-
If you have HDFC Easyshop Platinum debit card then you can earn 1% upto Rs. 750 per month, just pay Rs. 75,000 bill & get Rs. 750 cashback.
If you have HDFC Millennia debit card then you can earn 1% upto Rs. 400 per month, just pay Rs. 40,000 bill & get Rs. 400 cashback.

Not only credit card bill, you can pay any utility bill you want (must be available on Hdfc bank bill payment portal) & get 1% cashback.

To Pay Bill Follow These Steps-
1. Login to your HDFC Bank Netbaning
2. Click on "BillPay & Recharge" tab -> Click on Continue

View attachment 1249

3. Now click on Add Biller
4. Select Credit Card
5. Now select your card provider name

View attachment 1250

6. Enter your credit card detail
7. Enter amount you want to pay
8. Select your debit card from drop down menu
9. Click on pay

View attachment 1251

10. Enter OTP & Done!

You'll receive 1% Cashback for the transaction, you can check & redeem your debit card Cashback from "Card Tab -> Debit Card -> Enquiry -> Cashback Enquiry & Redemption"

View attachment 1252

Great! After reading this, I paid my Amazon Pay ICICI card bill last week through HDFC Millennia DC and I couldn't see any cashback points credit to my account (same as above). Any rough timelines on CB credit? Thanks in advance.

 

[Chaitanya-a]

Great! After reading this, I paid my Amazon Pay ICICI card bill last week through HDFC Millennia DC and I couldn't see any cashback points credit to my account (same as above). Any rough timelines on CB credit? Thanks in advance.

Cashback gets credited after 90 days for Millenia DC txn. To get the cashback in 24-48 hrs, we have to use Platinum DC.

 

[mr_vasanth]

I have registered my CC in HDFC billpay. But it show Smartpay status is OFF. What is the meaning of Smartpay Status OFF ? If Smartpay is OFF will we earn 1% cashback on the credit card bill payment or no? Attaching the screenshot taken from HDFC billpay for reference.

 

[pprakash11]

I have registered my CC in HDFC billpay. But it show Smartpay status is OFF. What is the meaning of Smartpay Status OFF ?

Means automatic bill payments will not be processed if Smartpay Status Off

If Smartpay is OFF will we earn 1% cashback on the credit card bill payment or no?

Yes you will earn definitely 1%

 

[mr_vasanth]

Means automatic bill payments will not be processed if Smartpay Status Off

Yes you will earn definitely 1%

Thanks @pprakash11. Is it possible to enable Smartpay for credit card bill payment ? I believe enabling smartpay will fetch 5% cashback upto Rs.150 per month for 12 months. Just curious to know how smartpay for credit card bill payment works.

 

[pprakash11]

Thanks @pprakash11. Is it possible to enable Smartpay for credit card bill payment ?

Only BBPS billers can have Smartpay activated. So KOTAK & BOB you can activate Smartpay, but better to pay manually.

I believe enabling smartpay will fetch 5% cashback upto Rs.150 per month for 12 months. Just curious to know how smartpay for credit card bill payment works.

I haven't personally tried. So can't comment.

 

[harsh1387]

Is this the right debit card to get the 1% cashback?

 

[Chaitanya-a]

Is this the right debit card to get the 1% cashback?

Nope. Upgrade it to Easyshop Platinum.

 

[harsh1387]

Nope. Upgrade it to Easyshop Platinum.

What is the procedure for that?
And are there any charges for it?

 

[Chaitanya-a]

What is the procedure for that?
And are there any charges for it?

If your account is Savings Max or Classic/Preferred/Imperia, then there won't be any charges. Otherwise ₹750 per annum fee applicable.

You can upgrade via NetBanking> Cards>Debit cards>Transact>Debit card upgrade

 

[chenrichy]

What is the procedure for that?
And are there any charges for it?

For Classic & Above, savings max and salary accounts its free

 

[mr_vasanth]

Only BBPS billers can have Smartpay activated. So KOTAK & BOB you can activate Smartpay, but better to pay manually.

I haven't personally tried. So can't comment.

Thank you. This is very informative. I have registered my BOB energie credit card for Smart pay which I use only for fuel transaction which ranges b/w 3K to 6K per month. I will keep the forum posted next month if I get 5% cashback for smartpay bill payment.

 

[pprakash11]

Thank you. This is very informative. I have registered my BOB energie credit card for Smart pay which I use only for fuel transaction which ranges b/w 3K to 6K per month. I will keep the forum posted next month if I get 5% cashback for smartpay bill payment.

Yeah sure. Do bookmark this thread so that u post in this one onlye

 

[mr_vasanth]

Yeah sure. Do bookmark this thread so that u post in this one onlye

Done

 

[Trust Me]

I've never used HDFC BillPay before. On registering my CC and a couple of other billers, it says 'Pending', and asks for 12 hours for activation. What does it say then? For one of the billers it has been 'Pending' for ages! How does one know that it's ready for making payments?

Also, does a CC, or a power bill qualify for 'ad hoc' payments, or do the bills need to be fetched first by HDFC? It says that will happen only from the next billing cycle after registration!

I'm all confused!

 

[Chaitanya-a]

I've never used HDFC BillPay before. On registering my CC and a couple of other billers, it says 'Pending', and asks for 12 hours for activation. What does it say then? For one of the billers it has been 'Pending' for ages! How does one know that it's ready for making payments?

Also, does a CC, or a power bill qualify for 'ad hoc' payments, or do the bills need to be fetched first by HDFC? It says that will happen only from the next billing cycle after registration!

I'm all confused!

Pending status doesn't matter. For 1st 24 hours after adding, you can do overall 10k payment for the biller. After that you can do unlimited payment. Even if it shows pending, the transaction gets successful and settled with the biller.

 

[SSV]

I've never used HDFC BillPay before. On registering my CC and a couple of other billers, it says 'Pending', and asks for 12 hours for activation. What does it say then? For one of the billers it has been 'Pending' for ages! How does one know that it's ready for making payments?

Also, does a CC, or a power bill qualify for 'ad hoc' payments, or do the bills need to be fetched first by HDFC? It says that will happen only from the next billing cycle after registration!

I'm all confused!

Even if it says , pending, you can still try for the payment ,if there is any issue it will immediately fail or else it will be successful.
I have paid so many times successfully when the status was showing pending..

Regarding ad-hoc payment, you can do for CCs for sure, I do it every time
Regarding power bills we can definitely pay after the bill was generated at that time it fetches it. before bill generated, not sure how it works, may be depends on the electricity board if it accepts payment before bill generation

Regarding automatic fetching and paying the bill , you have to enable 'smart pay ' for this.
If you enable smart pay for cc or power bills, it fetches bill after bill was generated and pays for it 4 days before the due date with an intimation about 1 day before payment.

There is nothing to confuse here..

Easy-Peasy... Haa...

 

[gamersgzb]

I've never used HDFC BillPay before. On registering my CC and a couple of other billers, it says 'Pending', and asks for 12 hours for activation. What does it say then? For one of the billers it has been 'Pending' for ages! How does one know that it's ready for making payments?

Also, does a CC, or a power bill qualify for 'ad hoc' payments, or do the bills need to be fetched first by HDFC? It says that will happen only from the next billing cycle after registration!

I'm all confused!

You can do ad-hoc payment for cc .. some cc like amex, SBI, indusind will reflect in your card instantly.. axis CC payment does take 3 days minimum.. but always try to do the payments 4-5 days before due date.. to be on safer side..

 

[RajBlr]

I have registered my CC in HDFC billpay. But it show Smartpay status is OFF. What is the meaning of Smartpay Status OFF ? If Smartpay is OFF will we earn 1% cashback on the credit card bill payment or no? Attaching the screenshot taken from HDFC billpay for reference.

Just to add to what @pprakash11 already said.

just ensure when you pay, you select the Debit Card number to Pay and not from the Bank Account, otherwise you won't get it.

1. How to verify, you will be prompted for the Card Expiry date if you selected the DC to pay
2. Also after TXN done, you can check in your account statement page, a POS TXN done, that means DC is used to pay