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HDFC Credit Card Statement

If you use a credit card, you will get a statement every month. This records all the transactions you have made during the previous month. Based on how you have opted to receive it, you will get the credit card statement through courier at your correspondence address or as an email statement, or both. You can also check your credit card statement online through net banking if you are using an HDFC bank credit card. The monthly statement is an important document that you must verify carefully. If you find an unauthorized or suspicious transaction, you can contact the bank immediately.

What Are The Important Things To Look For When You View Your HDFC 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?

Sometimes, specific errors such as swiping the credit card twice can induce faulty transactions. These are underlined in your HDFC credit card statement. If you notice errors on your card statement, it is essential to report the issue to the bank and request to fix the error. Additionally, you can also deal with the merchant with whom the particular transaction has been processed. This will help you settle the issue without including the bank officials. You can convey the matter to the creditor’s department and ask for an inquiry focusing on the billing statement. You should report to the department specifying your objection within 30 days of receiving the billing statement. You have to furnish a copy of the statement and other proof needed for the investigation. If you notice an unauthorized transaction on your credit card statement, contact the HDFC Credit Card Customer care.

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

1. What is the outstanding amount on the HDFC credit card?

It is the total amount due. It is the sum of the transaction value during the billing period, any amount outstanding carried forward from the previous bill, the interest levied, late payment fee, and any other penalty that may be applicable.

2. How to know the credit card statement date?

You can see all the transactions done during the credit card billing cycle listed on your monthly statement. You can see the start and end dates for your billing period as found on the first page of your statement near the balance. Your card issuer may list the number of days in your billing cycle, or you will have to do some counting.

3. What is the statement balance on the credit card?

Your statement balance is the aggregate of all the charges and payments you made during one billing cycle. The current balance is a sum of all charges, interest, credits, and payments on the account.

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