Can I Pay My HDFC Credit Card Bill Using an IndusInd Bank Credit Card?

When considering methods to pay your HDFC credit card bill, one might wonder if you can use an IndusInd Bank credit card. Unfortunately, the answer is no—directly using an IndusInd Bank credit card to pay an HDFC credit card bill is not possible. Most banks, including HDFC, require payments to be made from a bank account or through other accepted payment methods such as net banking, UPI, or debit cards. However, there are alternative solutions that can be considered, though they often come with additional costs and complexities.

Other Payment Methods

There are several ways to pay your HDFC credit card bill without using another credit card:

Bank Account: The simplest method is to link your HDFC credit card to your savings or current bank account and pay the bill directly from there. Net Banking: Another option is to use Net Banking to initiate payments to your HDFC credit card by logging in to your HDFC bank account. UPI (Unified Payments Interface): Utilizing UPI through popular apps like Google Pay, PhonePe, or Paytm can also help you make payments to your HDFC credit card bill. Debit Cards: You can use your HDFC or any other debit card to make payments to your HDFC credit card bill.

Alternative Payment Services

While most banks do not permit direct credit card to credit card payments, there are a few third-party services or apps that allow you to make these payments, albeit with additional fees:

Third-Party Apps: Apps like bill desk, Razorpay, and others can sometimes facilitate payments from one credit card to another. However, these services often charge a fee for the transaction. Payment Gateways: Some payment platforms offer services to transfer payments from one credit card to another. Be sure to check the associated fees and terms before using such services.

Balanced Transfer as an Option

If you really need to transfer funds, another option is a balance transfer. This can be done with the help of your bank, but it comes with its own set of rules and fees:

Fee Structure: Balance transfers typically carry a fee, usually ranging from 1% to 3.5% of the transferred amount, or a flat fee like 300 to 500. Interest Charges: In addition to the fee, you will also be charged interest on the transferred balance, usually ranging from 10% to 20% per annum. Restrictions: Transfer the balance only if you are about to default on your payments, and consider the impact on your credit score. Paying a significant portion of your credit limit via a balance transfer can negatively affect your credit score, potentially taking a year to recover from a single-point increase.

Conclusion

While direct payment from one credit card to another is not feasible, you can find alternatives such as using a third-party app or a balance transfer service. Always refer to your bank's guidelines for the most accurate and up-to-date payment options. Remember, taking a balance transfer should be a last resort and only when it is absolutely necessary to avoid financial trouble.