HDFC Bank Credit Card Statement

• Transactions: Your statement will consist of a chronological list of all the transactions you have done during the statement period (a one-month period that precedes the statement date). Domestic and international transactions may be recorded separately. Each transaction will include the date you have done the transaction, a description of the transaction, and the value. It will also comprise any credits into your accounts, such as credit card bill payments you may have made or a refund you may have received. These will be noted with a ‘Cr’ next to the amount. Verify each item against the charge slips or transaction alerts.
• Dates: Check the statement date or the date the statement was generated and, most importantly, the payment due date which is the date by which you should pay the total dues to prevent finance charges and late fees.
• Dues: Check the total dues, which is the sum of all your transactions during the statement tenure, any past dues, and the minimum amount due (this is the amount you must pay to avoid late payment charges).
• Limits: Check your credit limit i.e. how much you can spend in a month, the available credit limit (The credit limit minus what you have already spent), and the available cash limit (how much you can withdraw from ATMs).
• Account summary: The account summary gives you an overview of how much you paid the bank and how much you spent and past dues if any.
• Reward points summary: The reward points summary is an important section that shows how many reward points you have earned during the statement period and in full. It also shows you if there are chances for any points to expire and points you may have claimed.
• Offers: Special offers if any are shown in this section.
• Important and statutory information: This includes terms and conditions, alterations to the card member agreement, payment options, and details like how to hotlist lost or stolen cards.

How the Minimum Amount Due is Computed?

The minimum amount due is computed as 5% of the total amount due. If you have converted any of your buys into EMI, then the amount will be added to your minimum amount due. For instance: you have bought a gadget worth Rs. 40000 on August 15th and the due date is September 26th, then your minimum amount due will be Rs. 8000 (5% of Rs. 40,000).

How To Verify The HDFC Bank Credit Card Statement Online?

• Via Net Banking: The registration process must be complete before you can check the credit card statement through net banking. The step-by-step method to check the HDFC credit card statement through net banking is mentioned below:
  • Go to the HDFC Bank official website.
  • Log in to your account.
  • Click on ‘Cards’.
  • Choose ‘Enquire’.
  • Click on ‘View Statement’.
  • Select the credit card and the period you want the statement for.
  • Click on ‘View’.
  • To download the statement, press the ‘Click to View/Download’ option.

• Via the Mobile App:
  • Download the app
  • Log into your account post downloading the app.
  • Choose ‘Credit Card.’
  • Select ‘Download Billed Statement’.
  • Select the duration to download the statement.

How to Check The HDFC Bank Credit Card Statement Offline?

• By visiting the branch.
• You can go to the nearest HDFC Bank and request a statement.
• Once the appropriate form has been filled and submitted, the credit card statement is sent via post.

Benefits of HDFC Credit Card Statement

The HDFC card statement offers insights with respect to your account so that you have sound knowledge about your financial health. You can use the details available on the HDFC credit card bill statement in several ways:

• Track your spending pattern and budget better by comparing HDFC Bank credit card bill statements for the previous months.
• Spot billing errors or fraudulent activities on your credit card from the statement.
• Understand the fees and charges levied according to your credit card usage.
• Know your payment due date to avoid finance charges.
• Verify your earned rewards to get the benefit of maximum savings on your transactions.

How To Manage Errors in HDFC Credit Card Statement?

How To Switch To The HDFC Credit Card E-Statement?

If you do not want to check the HDFC credit card statement online, you can choose to receive your monthly bill in the form of e-statements. To apply for the HDFC credit card e-statement, you can follow the steps mentioned below.

• Log into the HDFC bank net banking portal.
• Click on the link, ‘Statement on Email’.
• Select ‘Office Address’ or ‘Residential Address’ to get the HDFC Bank credit card e-statement on the related email ID.
• Click on ‘Continue’.
• Check your choice and click ‘Confirm’.

Once you sign up for this, you will get an e-statement on the registered email address on a specific date every month. To see your smart statement:

• Visit the ‘Updates’ section of your email.
• Browse/look for the subject line “Email Account Statement of your HDFC Bank Account…”.
• Open the email and press the 'View your Smart Statement' option.
• You will need to enter your customer ID to get access to the password-protected file. Your customer ID will be available in your HDFC Bank cheque book or the ‘Welcome Letter’ sent in the Account Opening Kit.

You could also ask for the service by going to the nearest branch of HDFC Bank and filling up the needed forms.

FAQS of HDFC Credit Card Statement