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FAQs |
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What is SmartPay and how does it work?
SmartPay is a customer friendly feature allowing you to automatically make all your utility bill payments through your HDFC Bank Credit Card.
You can use SmartPay for all your electricity, telephone, mobile phone, water bill, gas and insurance premia payments.
To avail the SmartPay facility, you need to fill up the form and send it to us along with copy of latest bill of the utility companies. On receiving these, our Cards Division will send you a confirmation on successful registration for the SmartPay facility. Once SmartPay is activated, our Cards Division will make payments to the utility companies before the due date and debit the amount to your Credit Card. You continue to receive your bills from the utility companies.
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How do I benefit through SmartPay?
You benefit in many ways like:
No more queues, waiting, delayed payment charges or fear of disconnection.
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How much does the SmartPay facility cost?
A transaction fee of only Rs.10 is levied on every bill processed.
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Which bills can I pay through Smartpay?
You can pay Insurance, Electricity, Mobile and Telephone bills through Smartpay. We currently provide more than 70 billers as part of the service.
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What are the documents required to register for SmartPay?
The documents required to register are the application form and a copy of the utility bill duly signed by the card holder.
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How soon would the facility get activated?
After the card approval, the facility will get activated in 1 month's time. A confirmation SMS/Email/Letter will be sent to you on activation.
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If I opt to pay my insurance premiums through SmartPay, will I get my Policy Copy?
Yes, you will get your policy copy by post at your mailing address. If you do not receive it, you can go to the respective insurance company and ask for a duplicate.
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If I do not have a credit limit in the card, will the bank pay my Utility Payments?
The bank will not pay the utility payment if there is no balance. You will be informed of this through SMS, email or letter.
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If I have a Existing Outstanding from the previous month, will the Utility amount get paid for in the current month?
If the utility company sends it along with the earlier month arrears, they will be debited to the card account subject to the credit limit availability.
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If I have some outstanding amount in the Credit Card account, then will the utility payment also bear the interest amount?
Yes, the interest will start accruing.
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How will I get to know about the status of my bill?
You will get regular updates on the status of your bill. You will get communication at all these stages by SMS
- Successful / Unsuccessful Registration of your utility bill
- Bill received from the utility company and scheduled for payment
- Successful / Declined bill payment
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If you have any queries that are not answered here, please call us or write to us.
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| Don't have a credit card yet? Get one today! |
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Just fill the Online Application Form and our representative will get in touch with you shortly.
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