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A Comprehensive Guide to HSBC Credit Card Bill Payment

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HSBC Credit Card offers a variety of rewards and benefits to its customers. All types of HSBC credit cards are made in such a way that suits the needs and wants of the customer. HSBC credit cardholders get the benefit of reward points for each purchase of shopping or fuel. Apart from this, credit card offers cashback offers on various transactions plus various vouchers from websites like Clear Trip and Book My Show.

Some of the HSBC credit cards are lifetime free, and some are not, i.e. they do not charge an annual fee. Some of the HSBC Lifetime Free Credit Card are the HSBC Visa Platinum Credit Card and the HSBC Premier MasterCard Credit Card. Also, there are many different modes available to make bill payments, which will be discussed in this article.

 

Different Ways to Pay HSBC Credit Card Bill

HSBC Net Banking HSBC Mobile Banking Visa Money Transfer NEFT/ RTGS
Electronic Clearance System Bill desk Standing Instructions Phone Banking
Mail Cheque/ Draft HSBC ATM HSBC Branch Visit UPI

 

Updation of Your Mobile Number

The registered mobile numbers of primary and add-on cardholders must be updated with the bank to authenticate the OTP that would be received via SMS. The cardholders are provided with mentioned options to update their mobile numbers:

  • Via HSBC Phone Banking
  • By sending a secure SMS through Personal Internet Banking
  • Submit a written request at the nearest HSBC Branch.

Different Ways to Make HSBC Credit Card Bill Payment

There are 2 different ways available with an HSBC credit cardholder to make a credit card payment. Let us suppose you have an HSBC Cashback Credit Card; the two options available to make credit card bill payments are online and offline, following many different ways provided by the bank. Let us discuss them in detail:

 

  1. Via Online Modes:

 

  • Through Net banking

Step 1: Log in to the HSBC Net Banking.

Step 2: Under “Cards”, choose your credit card from the drop-down.

Step 3: Tap on “Pay and Transfer”. Enter the amount to be paid.

Step 4: Click on “Confirm” to make payment.

Step 5: A confirmation message will be received for payment made via SMS and email.

 

  • Through Mobile Banking

Step 1: Open the HSBC mobile app on your smartphone and log in.

Step 2: Under “Credit Cards”, click on ‘Pay”.

Step 3: Choose whether to click on “Total Amount Due”, “Minimum Due”, or “Other Amount”.

Step 4: Click on ‘Submit” to make the payment.

Step 5: A confirmation message will be received for payment made via SMS and email.

 

  • Through Visa Money Transfer:

Step 1: Log in to the net banking.

Step 2: Select “Visa Money Transfer”.

Step 3: Add your card details through “Add Billers” once so as to make payment directly through your account from next time onwards.

Step 4: Enter the amount that is to be paid to make payment on an instant basis.

 

  • Through NEFT using IFSC Code:

Step 1: Enter your credit card number in place of your account number.

Step 2: The IFSC code for HSBC cards is HSBC0400002.

Step 3: Enter the amount that is to be paid.

 

  • Through RTGS using IFSC Code

Step 1: Login to your preferred net banking website.

Step 2: Under “Funds Transfer”, click on “Add Beneficiary”.

Step 3: Add your HSBC card to the list of beneficiaries.

Step 4: Then select “RTGS” after an hour or so.

Step 5: Select the card from the list of beneficiaries.

Step 6: Enter the amount that is to be paid to make the payment.

 

  • Through an Electronic Clearance System

Step 1: Authorize any bank to debit the required amount directly from the bank.

Step 2: There is no need to pay manually; ECS allows the bank to auto-debit directly from the bank for a specified sum each month.

 

  • Through Bill Desk

Step 1: Open the HSBC BillDesk and then click on “Pay now”.

Step 2: Provide the details like credit card number, email ID, mobile number, amount to be paid, bank account, etc.

Step 3: Click on “Submit”.

Step 4: Log in to the net banking account and click on “Confirm”.

Step 5: The payment will then be processed on an instant basis.

Step 6: A confirmation message will be received for payment made via SMS and email.

 

  • Through Standing Instructions

Step 1: Set the standing instructions either through net banking, mobile banking, phone banking, or by visiting the bank.

Step 2: It can be set to auto-debit the amount every month and can be revoked as well.

 

  • Through UPI using IFSC Code

Step 1: Log in to any of the UPI Apps.

Step 2: Go to the tab “UPI Payments”.

Step 3: Click on “Send Money”.

Step 4: Enter the account number, amount to be paid, and IFSC code.

 

  1. Via Offline Modes:

  • Via Phone Banking

Step 1: Cardholders may call 1860 108 7788 or 1860 500 2277, verify using PIN and ask the bank to auto-debit the amount from the bank account.

Step 2: The amount gets debited on an instant basis.

Step 3: A confirmation message will be received for payment made via SMS and email.

  • Through Cheque/ Draft

Step 1: Cardholders can also make payment via cheque or draft before the last date.

Step 2: The bank will charge late payment fees in case payment is made after the due date.

 

  • By Visiting ATM

Step 1: The cash/ cheque can be deposited at any HSBC ATM against the credit card bill payment before the due date.

Step 2: Also, debit cards can be used for funds transfer to make credit card bill payments.

 

  • By Visiting Bank

Step 1: Credit card bill payments can also be made via cash or cheque by visiting the branch as well.

 

Processing Time for Different HSBC Credit Card Payment Modes

Mentioned below are the processing times for different payment modes available for HSBC credit cards:

 

Method Processing Time
NEFT Up to 2 working days
RTGS Up to 2 Working days
Net Banking Same Day
HSBC Mobile Banking Same Day
Visa Money Transfer Up to 5 working days
RTGS Up to 2 Working days
UPI Instantaneous
Electronic Clearing House On due date
Bill Desk Within 3 working days
Phone Banking Same Day
ATM Same Day
Cheque/Draft Local Cheques – within 2 days
Out of Station Cheques – up to 5 days
Branch Visit Same day

 

 

 

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