Credit Card - SmartPay Benefit

SmartPay involves initiating a simple Standing Instruction on your Credit Card to ensure that you pay your bills on time every month. In addition, when you pay with your Credit Card you can enjoy a credit free period and Reward Points/Cashback depending on the Credit Card you have.

Why use SmartPay?

SmartPay is the smartest way to pay your utility bills using your Credit Card. You need not worry about standing in queues, remembering different due dates for your different bills and hence avoiding late payments and its corresponding charges.

What are the benefits?

Simple registration process
You need to fill the online application form with the relevant details mentioned and click on submit. We will process the form and then inform you before paying your bills.
Information / reminder alerts to keep you aware
We send you SMS and email alerts to keep you informed about the status of your bills. You will be kept informed at every stage of your billing process. This is why we ask you to share your mobile numbers. It is mandatory for registration.
Special discounts and offers
Enjoy special discounts and offers that are tailored to meet your needs. With us you can always expect more.

For all registrations till 31st March 2015 you are eligible for:

5% CashBack for the first 6 months post registration
CashBack is provided in the next statement cycle with a max cap of Rs. 200/- per statement cycle.
Life time transaction fee waiver
The transaction fee of Rs.10/- for every bill paid is waived off for life time in case you register till 31st Oct 2014.
  *Offer is applicable only for those who signup for Smart Pay for the first time.


What is SmartPay and how does it work?
SmartPay is a customer friendly feature that allows you to automatically make all your utility bill payments through your HDFC Bank Credit Card.

You can use SmartPay to pay your electricity bills, telephone bills, mobile phone bills, water bills, gas bills and insurance premiums.

To avail the SmartPay facility you need to fill up the online form and submit. On receiving these documents, our Cards Division will send you a confirmation once you are successfully registered for the SmartPay facility. Once SmartPay is activated, our Cards Division will make payments on your behalf to the utility companies before the due date and debit the amount to your Credit Card. You will continue to receive your bills from the utility companies as usual.
How do I benefit from SmartPay?
You benefit from SmartPay in many ways. You don’t need to wait in queues, get delayed payment charges or fear disconnection of utility services.
How much does the SmartPay facility cost?
A transaction fee of just Rs.10/- is levied on every bill processed. This is waived for all registrations till 31st Oct 2014.
What bills can I pay through Smartpay?
You can pay Insurance premiums, Electricity bills, Mobile bills, Gas bills and Telephone bills through Smartpay. We currently provide more than 195 billers as part of the service.
What are the documents I need to send HDFC Bank to register for SmartPay?
You don’t need to send any document for bill registration. However, please ensure that the details entered in the online form are mentioned correctly and in the appropriate place. Please have a copy of your bill handy while mentioning the details.