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HSBC Bank Credit Card Bill Payment

Credit Card Bill Payment Options for banks across India

HSBC Bank Credit Card Bill Payment

HSBC bank issues Credit Cards to the users for enabling them to borrow funds from bank to pay for daily expenditures like utility bills, mobile bills or buying other goods and services on the stipulation that user will pay back the amount to the bank with an additional interest

HSBC bank has customised credit cards to cater various needs of people whether it is for shopping, travel, hotel or corporate cards. There are different rewards and benefits associated with HSBC bank, in which some cards have great cashback schemes as per transactions while some cards offer good amount of reward points which can be redeemed later for getting good offers from bank. HSBC bank provides multiple options in both modes of payment, online and offline to its customers.

  1. Online Method

  2. Offline Method

online and offline method for HSBC Bank credit card bill payment

Online Method

  1. HSBC Net Banking:

    Net banking facility can be availed by users only after registering online. To check the outstanding of credit card and paying bills, user is required to link credit card with net banking account for which ATM pin details would be used. After linking HSBC bank credit card with net-banking account, user would be able to check billed or unbilled transactions, due dates, reward points by simply logging in the net banking account through bank’s website, clicking on “Credit card” tab and selecting “Credit card payment option” .HSBC bank is also providing hot listing facility under net banking in case if the card has been lost or stolen to block it from getting used by charging fee of Rs.100.

  2. HSBC Bank Mobile App:

    For this procedure, users need to download and install HSBC app in their phones. After installation users can logon to app by using customer id. App has been made for the convenience of mobile users having same features as that of net banking portal, so that it may be accessible from anywhere. Credit card accounts are highly secure using SSL protection of 128 bit due to which a user can do transactions safely from anywhere using their accounts through mobile app.

  3. Auto payment debit:

    If a user is having multiple cards, auto debit option on bank account is an option of payment for which certain instructions need to be set on HSBC bank account. This facility is used to pay minimum amount or for repaying the outstanding balance. Either the account should be handled by a single user or it could be used as joint account.

  4. Credit card payment from non-HSBC accounts:

    It is not mandatory to have an account in the same bank, whose credit card you bought. There are different ways of paying credit card bills through other bank accounts:

    • NEFT method:In this method user need to enter number of HSBC bank credit card as the payee account number to make payments and the IFSC code. The payments which are made during working hours on weekdays get transferred on same day whereas the payments which are made after working hours get transferred on next day.

    • RTGS (Real time gross settlement )method: This method is applicable for the people who use credit card for higher transactions as they can pay the whole amount at one time, so a payment of Rs2 lakhs or more can be done at one click unlike NEFT where for higher transactions payment has to be done in batches. For carrying out this transaction net banking should be activated in other bank account too.

    • Bill desk webpage : Bill desk page can be used by non-HSBC bank holders also as it has been set for HSBC bank account holders. The user need to enter the necessary details like the card number and amount after which the user will be redirected to net banking portal for completion of transaction.

    • E Pay : This is a very easy option for HSBC bank customers to pay credit card bill, where user is not required to login in net banking portal rather just filling few necessary details is enough and providing bank name if the user doesn’t have HSBC bank account. An online transaction confirmation as well as reference number will be sent to registered mobile number/email id. Check the HSBC bank website to check whether you bank is having this facility or not.

Offline Method

  1. Cash Payment:

    Credit card bills can be also be paid at the nearest bank branch of HSBC bank by paying processing fee.

  2. Cheque Payment:

    Credit Card bill payment can also be done through cheque by dropping it at the nearest ATM, after writing the credit card number and other details on it.

  3. Transfer through ATM:

    HSBC bank credit card bill can also be paid at any of the nearest branch ATMs .This service can be availed 24/7.Here the amount that is required to be paid can be transferred from saving or currents account to credit card.

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HSBC Bank credit card bill payment FAQ

Though the credit card number should be entered twice for security purpose but even then if it happens, please call the customer care.

It can be paid by cash or cheque either at nearest ATM or nearest bank branch.

If that happened, you will be penalised with fine and might be your interest rate will get increased. This will also affect your credit score and may harm future credit opportunities.

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