HDFC Credit Card IFSC Code

While using an HDFC credit card, it's crucial to understand certain banking terminologies, such as IFSC code, to ensure smooth transactions and payments. In this blog post, we will delve into the concept of HDFC Credit Card IFSC Code and its significance.


What is an IFSC Code?

IFSC stands for Indian Financial System Code, a unique alphanumeric code assigned to each bank branch in India by the Reserve Bank of India (RBI). The IFSC code is used to identify specific bank branches during online fund transfers through various electronic payment systems like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service).

What is HDFC Credit Card IFSC Code?

The HDFC Credit Card IFSC Code is a 11-character alphanumeric code that uniquely identifies the HDFC Bank branch where your credit card is issued. The HDFC Credit Card IFSC Code is HDFC0000128. It is essential to have this code when making credit card payments through NEFT. While the primary purpose of IFSC codes is for fund transfers, it is also applicable to credit card bill payments.

Finding the HDFC Bank IFSC Code:

To find the HDFC IFSC Code, you can follow these steps:

  • Visit the official HDFC Bank website or use a reliable third-party financial website.
  • Navigate to the "Find IFSC" or "Find Bank Branch" section.
  • Enter the necessary details, such as the bank name (HDFC Bank), state, city, and branch.
  • Submit the information to retrieve the relevant IFSC code.

Alternatively, you can also find the HDFC Credit Card IFSC Code on your credit card statement, the HDFC Bank mobile app, or by contacting the bank's customer service.

Paying Credit Card Bill Using HDFC Credit Card IFSC Code

Should you choose to settle your HDFC Credit Card dues via NEFT, you'll need the IFSC code. Follow these steps to proceed:

  • Log into your bank's online banking system.
  • Register your HDFC credit card as a payee, inputting details like Account type, HDFC Credit Card IFSC Code - HDFC0000128, card number, etc.
  • Kickstart the transfer by picking the credit card from the group of payees and specifying the payable amount.

By employing the HDFC Bank credit card IFSC code in this way, you can effortlessly clear your outstanding bills.

Benefits and Significance of HDFC Credit Card IFSC Code

The HDFC Credit Card IFSC Code plays a crucial role in ensuring secure and accurate credit card bill payments. By using the correct IFSC code, you can minimize the risk of failed transactions or misdirected payments. Moreover, it enables faster and hassle-free fund transfers, allowing you to clear your credit card dues promptly.

Being aware of the HDFC Credit Card IFSC Code is vital for seamless credit card bill payments and fund transfers. By understanding the significance of this unique code and knowing where to find it, you can ensure that your transactions are smooth, secure, and error-free. Always double-check the accuracy of the IFSC code before making any payments to avoid any complications. Should you require any assistance, reach out to HDFC Bank's customer service for clarification and guidance.

Some HDFC Bank Credit Card

Here is the complete list of all HDFC Bank Credit Card:

FAQs on HDFC Credit Card IFSC Code

What is the time frame for NEFT payment to reflect in HDFC Credit Card account?


Expect up to 3 business days for NEFT payment to credit into your HDFC Credit Card account.

What are the service charges for NEFT transactions?


The fee for NEFT transfers varies depending on your bank, although numerous banks don't impose an NEFT transaction charge.

Is it possible to pay my credit card bill via the IMPS service?


At present, HDFC Bank doesn't permit credit card bill payments via the Immediate Payment Service (IMPS). However, should this service be enabled, the IFSC code for HDFC credit card bill payment will remain unchanged.

Does the NEFT transfer limit apply to credit card bill payments?


No, there are no restrictions on the amount you can pay towards your credit card bill via NEFT.

How can I find the HDFC Credit Card IFSC code for a particular branch?


The HDFC Credit Card IFSC code is HDFC0000128, regardless of your credit card's originating branch. For the IFSC codes of other HDFC branches, check the HDFC Bank website or call their customer service. Your home branch's IFSC code can be found on your cheque book or passbook.

Can I schedule a future NEFT payment for my HDFC Credit Card?


Yes, future dated transactions can be set up using your bank's net banking facility. 

Is it safe to pay my credit card bill through NEFT?


NEFT is a secure mode of payment as it is monitored by the Reserve Bank of India.

Can I make NEFT payments on holidays?


NEFT services are typically unavailable on public holidays. For specific details, please refer to your bank's NEFT services schedule.