HSBC Bank Credit Card Bill Payment

With the world going digital many people prefer paying their bills through online mediums. HSBC has also understood this trend and setup multiple ways that a person can pay their credit card bills.

HSBC Bank Net Banking:

To utilize the HSBC Net Banking facility, HSBC bank’s savings and current account holders must register for this service. Only after registration, online payments can be done by customers. Customers can also link their HSBC Bank credit cards to Net Banking account, after logging into their HSBC Net Banking account. The ATM pin needs to be used to link the HSBC Bank credit card to the Net Banking account.

Customers can access or view their HSBC bank credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months. All the Net Banking account will detail the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. In case of loss or theft of credit cards customers can use the Hot listing facility available under the Net Banking facility to block you card and request for card replacements for which HSBC will charge a fee of Rs. 100.

To pay your credit card dues log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your HSBC bank savings account.

HSBC Bank Mobile Banking Application:

HSBC Bank credit card users can also use the HSBC Bank Mobile Banking application to make outstanding bill payments. Customers need to download the app on their mobiles and after installation use their customer ID to log into the app. It has all the features that are present in the Net banking portal. To pay of the credit card dues the user needs to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection a user can pay or transact for anything from anywhere accessing their savings account using the Mobile app.

ATM Funds Transfer:

With large network of ATMs available across the country HSBC customers can pay credit card bills through any one of these ATMs. This service is 24/7 made available to HSBC bank customers. The outstanding amount available on a HSBC Bank credit card can be transferred from a savings account or a current account to the customer’s credit card account.

Autopay:

If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a HSBC bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their HSBC Bank accounts.

The total monthly outstanding amount or the minimum amount due on the HSBC Bank credit card can be repaid using the Autopay facility. The HSBC Bank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.

HSBC credit card payment – Online mode for non-HSBC Account

You do not necessarily open an HSBC Bank account to have an HSBC credit card, you can also pay your credit card bill using a non-HSBC Bank account. There are several ways that a person with a HSBC credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your HSBC Bank credit card bill through other banks works for HSBC as well as other banks.

There are plenty of online modes of HSBC Bank credit card bill payment to clear your credit card dues using a non-HSBC bank account. Some of them are mentioned here.

National Electronic Funds Transfer (NEFT)

You can pay your HSBC Bank credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day. To pay your bills use the IFSC code, to make NEFT payments towards your HSBC Bank credit cards.

Real Time Gross Settlement (RTGS)

For people who like to use their credit cards for large transactions, you can pay your credit card bills in one go using the RGTS mode even if they do not hold an HSBC Bank account. All you need to have is your net banking activated on your non-HSBC Bank account to carry out an RTGS transaction. Through RGTS, you can make payments for Rs. 2 lakhs and more. Any RTGS transactions are executed individually unlike NEFT which are processed in batches.

HSBC Bank Website

Non-HSBC bank account holders can use the Bill Desk web page which is set up for HSBC credit card holders. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the HSBC bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If they have given their email id, they will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can see the list in the HSBC website.

Your Non-HSBC Bank’s Website

In case you don’t have a HSBC bank account you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your HSBC bank account.

HSBC credit card payment – Offline payment mode

There are many people who still consider paying their bills the traditional way. This could be due to two reasons – either they are not comfortable with the online methods or they don’t have access to the online payment modes. Either way they prefer to pay their bills offline. For such people HSBC provides multiple ways by which any individual can pay their credit card dues.

Cash payment

You can pay your credit card bills by paying in cash at any one of the HSBC bank branches nearest to you in your city. A processing fees of Rs. 100 per payment will be charged by the bank when you pay your credit card bill.

Cheque payment

If you prefer to pay you’re your credit card bills using cheques then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at HSBC bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.

HSBC Bank Credit Card Bill Payment FAQ