HDFC Bank Credit Card Statement
HDFC Bank sends credit card statements to the cardholders every month. This statement is sent through email and can be sent by post also if opted for the same. The HDFC Credit Card statement includes the monthly transactions made through your credit card account as well as the amount due for the next statement cycle. With the HDFC credit card statement, one can check the monthly transactions along with the outstanding balance and your earned reward points as well. Here we will talk about how cardholders can avail HDFC Credit Card statements with online as well as offline methods.
How to Avail HDFC Bank Credit Card Statement Online?
There are different ways through which you can avail your HDFC credit card statement. Depending on how to want to receive the statements, the bank allows you to check the statement with online as well as offline methods:
How to avail HDFC Credit Card Statement through NetBanking
- Login to your HDFC Netbanking account
- Click on the ‘Cards’ tab at the top of the bar
- Click on the 'Enquire' tab on the left sidebar and then go to 'View Statement'.
- Select the ‘Card No.’ and the ‘Period’ you want to view your statement
- Click on View/Download, and you will be able to view your selected monthly statement
How to avail HDFC Credit Card Statement through Mobile App
- Login to the HDFC mobile app using your credentials
- In the Menu bar, click on 'Pay' and then click on 'Cards'.
- Select your credit card
- Click on 'Download Billed Statement' and then select the duration for which you want your statement.
Additional info: Check HDFC Credit Card Net Banking also.
How to Avail HDFC Bank Credit Card Statement Offline?
Just in case one is not able to have access to the internet, they can opt for getting the credit card statement with an offline method as well. All that the cardholder needs to do is visit the HDFC bank branch, fill out a form with the required details of your bank account and submit it to the bank executive. If you also want to receive your HDFC credit card statement monthly via post, you can contact the bank representatives for the same.
Also Check: HDFC Credit Card Application Status Online.
How to Opt for HDFC Bank Credit Card e-Statement?
If you want to register for the online method, you can follow the below-mentioned steps:
- Visit the HDFC Netbanking page and look for ‘New User’/’Register’
- Enter your HDFC Customer ID
- You will be directed to the Credit card registration page
- Enter the details asked in the form, like your preferred password and credit card details
- Accept the Terms and Conditions and click on Submit
For offline methods, you can visit the bank branch or contact HDFC Bank customer care executives for registration. The bank executives will give you a form that is mandatory to be filled and then post submitting the form, and you will be registered soon for HDFC credit card statement.
Features and Benefits of HDFC Credit Card Statement
There are a couple of advantages to having to receive the HDFC credit card statement. The statement helps you in a number of ways, like:
- You can easily check your payment activity.
- You are reminded of your monthly credit card payment.
- You can also keep track of your earned reward points and offers.
- One can also download the credit card statement for any month and view it at any point.
- In case of any Interest Rate changes, one can easily check it with HDFC credit card statement.
- You can also check the credit limit availability with your statement.
Additional Info: HDFC Credit Card Reward Points & Apply.
Most Common Terms Mentioned in HDFC Credit Card Statement
There might be some terms that one might be unfamiliar with. We have mentioned below some of the important terms that are related to your credit card:
1. Payment Due Date - This means that your credit card payment is due for the next billing cycle date. You need to clear your credit card bill before your due date.
2. Total Due - Total due is the total transaction payment that the cardholder needs to make.
3. Minimum Amount Due - Minimum amount due is the amount that you need to pay in order to clear your credit card bill. However, the minimum amount due can carry interest charges whereas, if you pay your total due credit card bill, then your account will not carry forward any late payment charges.
4. Credit Limit - Total Credit limit is the amount that is decided by the bank. When the bank issues you a credit card, it comes with a specific monthly credit limit. The cardholder can use the credit card within the specified credit limit only. After some time, the cardholder can also upgrade their credit cards that come with a higher credit limit. But ultimately, the bank only decides the credit limit.
5. Available Credit Limit - Available Credit Limit is the limit that can be used by the cardholder, available in your credit card account.
6. Available Cash Limit - Available Cash Limit is the maximum cash that the cardholder can withdraw from their credit card.
HDFC Bank Credit Card Statement FAQs
Yes, according to RBI (Reserve Bank of India) guidelines, a period of 3 days after the payment due date is given as a grace period. If the outstanding dues are not paid by the due date and the 3-day grace period, finance charges will become applicable. However, they will be calculated from the due date of payment.
Minimum Amount Due is 5% of the total outstanding due, subject to a minimum of Rs. 200.
HDFC Bank credit card statements can be checked online.
Steps to check through HDFC Net Banking:
- Visit the official website of HDFC Bank
- Login to your personal banking account using User ID and Password
- Go to ‘Cards’
- Select ‘Enquire’
- Click on ‘View Statement’
- In case you have more than one HDFC Bank credit card, choose the credit card number you wish to proceed with
- Select the period of the statement
- Click on ‘View Statement’
Steps to check through Mobile App:
- Download the app on your Smartphone
- The complete app registration process
- Log in to your account using a mobile app PIN number
- Move to the ‘Credit Card’ section
- Choose ‘Download Billed Statement’
- Select the time period/month for which you want the statement
To register for HDFC Bank Credit Card e-Statement through phone banking, the steps involved are:
Via Phone Banking
- Call 61606161 (prefix local city STD code)
- Complete customer verification by validating your 4-digit TIN (Telephone Identification Number) provided by HDFC Bank for Phone Banking Service
- Enter the e-statement request
To register for HDFC Bank Credit Card e-Statement offline, visit the nearest HDFC bank branch. The steps involved are:
- Download the e-statement application form
- Fill up the form
- Submit the form to the bank representative
Step by step procedure to register for HDFC Bank Credit Card e-Statement through net banking is:
- Login to your net banking account using customer user ID and Password
- Move to the ‘Accounts’ tab
- Go to the ‘Request’ section
- Select ‘Email Statement’
- Follow instructions
- Submit request
Once you get the HDFC Bank credit card statement online, either through Net Banking or through Mobile App, click on the download button available alongside the credit card statement. The statement, once downloaded, will be available in the phone memory or computer memory.
In case you have registered for HDFC Bank credit card e-statement and wish to stop receiving the hard copy of the monthly credit card statement, download the ‘Discontinuation of Physical Statement Request’ form from the link https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms%20Centre/Content/Detail%20Page/Forms%20Center%20-personal/Credit%20Card%20links/Form%20-%20Physical%20Statement%20Suppression.pdf
Mail the duly filled up and signed form to the correspondence address mentioned in the form.
Transactions done on credit cards between two billing dates are unbilled transactions. These transactions will be billed on the statement date when the credit card statement is generated. To view your unbilled transaction:
- Visit bank website
- Log in to personal banking using Net Banking customer ID and Password
- Click on ‘View unbilled Transactions’
- Select the card number for which you wish to view transactions
- Select the type of transactions – Credits/Debits
- Click on the ‘View’ button
All unbilled transactions after the previous billing date will appear on the screen.
HDFC Bank credit card e-statement is free of cost service offered by HDFC Bank. There is no monthly or annual charge levied for availing of monthly HDFC Bank credit card statements through email.
Cardholders can check their credit card statement by logging in to their HDFC net banking account, through the mobile app or by contacting the HDFC bank executives.
HDFC Netbanking:
- Login to your HDFC Netbanking account
- Click on the ‘Cards’ tab at the top of the bar
- Click on the 'Enquire' tab on the left sidebar and then click on 'View Statement'
- Select the ‘Card No.’ and the ‘Period’ you want to view your statement
- Click on View/Download, and you will be able to view your selected monthly statement
HDFC Mobile App:
- Login to the HDFC mobile app using your credentials
- In the Menu bar, click on 'Pay' and then click on 'Cards'.
- Select your credit card
- Click on 'Download Billed Statement' and then select the duration for which you want your statement.
If you wish to check your HDFC credit card statement without the internet, then you need to contact the bank executives for the same.
HDFC Bank sends a notification to the cardholder when the credit card bill is due. The bank sends a detailed email along with the monthly statement and the due date for the payment.
Missing or delayed credit card payments can have some serious consequences. You may be charged a hefty late payment fee that will be added to your next credit card billing cycle. This can also have a negative impact on your credit score as well. Therefore, it is advisable to pay all your credit card bills on time to avoid late payment charges.
When you register online for credit card statements, a physical copy of the same is no longer sent to the cardholder.
To register for e-statements, you need to visit the HDFC net banking and create a net banking account with all details of your credit card. Registering for e-statements usually does not take time and is done instantly. Alternatively, you can also register by visiting the HDFC bank branch.