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Online and offline are the 2 modes of payment for HSBC Bank Credit Card Bills. Online options-Net Banking, Mobile Banking, Autopay, and Bill Desk web page (Non-HSBC Bank Account Holders). Offline options-ATM Funds Transfer, cash, and Cheque. NEFT is used for transfer between banks.
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. People nowadays have understood how credit cards can be used to move credit and thus many have multiple cards from various banks to avail the benefits provided by each card issuer.
HSBC bank offers some of the best credit cards in the industry. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. HSBC cards have varying rewards and benefits for each card while some cards give amazing amount of cashback for various transactions while some cards give reward points which can be used later to redeem to get a great offer from HSBC.
HSBC also provides many modes to maintain and payment option of your credit card which the customer can choose according to their convenience.
The two main options are classified as online and offline mode of payment which are further classified into multiple features that a customer can use to pay off their credit card dues.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
1. What are the consequences of missing credit card payments?
You should never miss paying at least the minimum amount due on your credit card. If you do miss a payment, a fine will be levied. The bank may also increase your interest rate. If you continue to miss payments after notifications and reminders, this could result in your card being blocked till the payment is made in full. Upon continuous default, the bank will list you as a defaulter and report you to CIBIL™ which will impact your credit score and hamper future credit opportunities. Banks also have the right to impose legal action to recover the dues.
2. When will I receive my credit card statement?
It depends on the bank, they set the credit card billing date and the due date will be 10 days later, which you. Each bank sets different credit card billing dates. For example, if the billing date on your credit card is the 20th of every month, the bill will be generated on 20th and sent to you. The payment due date will normally be 10 days later. Your statement will be sent via post or email, as per your preference.
3. Does it mean my bill is zero if I do not receive a credit card statement?
Not necessarily. If you haven’t spent on your credit card, you may not receive a statement for that month. If you recall spending on your credit card or you are not sure, and you do not receive a statement, please call your bank’s customer service to ensure that there is no payment to be made.
4. Which is the fastest method to pay my credit card bill?
The fastest method depends on how long your bank takes to process the payment. Generally, the fastest mode of bill payment is online banking where the process is completed immediately or on the same day. IMPS bank transfers are also done instantly
Usefulness of information,
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