HDFC Credit Card Statement

Following are the components of HDFC Bank credit card statement

Statement Period: The duration for which the credit card payment has to be made. The statement period can be found in the top right-hand corner of the credit card statement.

Payment Due Date: This basically acts as the deadline by which you should pay the amount due to the bank. If any payment is made later than this date, you will be eligible to pay fees for the same. The late payment not only incurs charges but also negatively impacts your credit score.

Total Amount Due: The total amount due section represents the total amount that is due as of the statement date. The opening balance, new purchases, fees, and other finance charges are included in this amount.

Minimum Amount Due: A minimum amount due to the bank has to be provided every month, which is a portion of the total amount due. This amount usually turns varies between 2-3% of the total dues owed. You might have to pay a fine as well for remitting anything less than this amount.

Closing Balance: There is another section, which is the closing balance of the card. It implies the total amount which is due on the card. If you want to pay off your entire debt every month, then this is the amount you’ll need to pay. Ideally, it should be minimal at the end of each cycle.

Interest-free period: This is the timeframe between the date of the transaction and the payment due date of the billing cycle when you are not charged any interest against the transaction amount.

Current Outstanding Balance: It is the total amount of the money that you are liable to pay to the bank at a certain point in time. It is calculated on the basis of your previous month’s expenses on your credit card.

Transaction History: A transaction history basically provides a quick reference to all the transactions made during the billing cycle. This can be verified by similarly occurring transactions in the section.

Reward points: You can see the details of the reward points earned and redeemed which is mentioned at the end of your HDFC Bank card statement.

Suggested Read: How to Redeem HDFC Credit Card Reward Points

How the Minimum Amount Due is Calculated?

Minimum Amount Due it is calculated as 5% of the total outstanding amount. Remember, if you have converted any of your purchases into EMI, then the amount will be added to your minimum amount due.

For example: You have made a purchase of Rs. 10,000 on July 15 and the due date is August 26, then your minimum amount due will be Rs. 500 (5% of Rs. 10,000).

HDFC Bank customers can access their statements service through the following modes:

Different Ways to get HDFC Credit Card Statement
Netbanking	Mobile Application
Branch Visit

How to Get HDFC Credit Card Statement through Net Banking

You can count on this option to check your HDFC Bank credit card information online. For accessing this service, you need to register your credit card with HDFC net banking. If you are an existing customer, your credit card would directly be mapped to your active account, or else you will have to link it manually.

• Once registered, click on the “Cards” tab and select “View Statement” from the “Enquire” section
• Select the HDFC credit card for which you want to view the statement
• Enter the statement period and click on the “View” button
  
• Click on the link “Click to View/Download” to download the HDFC Bank Credit Card statement

Note: e-statement is password protected but the statement downloaded directly is not password protected so you can open the statement directly.

How to Download HDFC Credit Card Statement through Mobile App

The credit cardholder also gets the option to view and download HDFC credit card statement through the HDFC Bank mobile application. Following are the steps to do so:

• Login to your HDFC Bank mobile app
• Click on the credit card in your app
• Select the “Download Billed Statement” option
  
• Select the month for which you want to check the statement and click on Download
• Your HDFC Credit Card statement will be downloaded to your smartphone

How to Get HDFC Credit Card Statement Offline by Visiting the Bank

• In case, you do not use internet banking, you can request a copy of the HDFC credit card statement by directly visiting the HDFC Bank branch
• You need to fill the required form and submit it to the bank representative
• You can also place a request for the monthly HDFC credit card statement by post
• The credit card statement is sent to the address mentioned in the bank’s database every month

• In case, you do not use internet banking, you can request a copy of the HDFC credit card statement by directly visiting the HDFC Bank branch
• You need to fill the required form and submit it to the bank representative
• You can also place a request for the monthly HDFC credit card statement by post
• The credit card statement is sent to the address mentioned in the bank’s database every month

At times, certain mistakes such as double swiping of the credit card can cause erroneous transactions which are highlighted in your HDFC credit card statement. If you spot such errors on your card statement, it is important to report the issue to the bank and request to fix the error.

In addition, you can also have a word with the merchant against whom the particular transaction is processed. This can surely help you to settle the issue without including the bank officials.

You can report the matter to the creditor’s department and ask for an inquiry focusing on the billing statement. You should write to the department demarcating your objection within 30 days of getting the bill statement. You have to provide a copy of the statement and other proof required for the investigation.

In the event, you notice an unauthorized transaction on your credit card statement, contact HDFC Credit Card Customer Care Cell.

What is the exact frequency of eStatements for HDFC credit cards?
HDFC credit card statement or eStatement are offered to cardholders at a timely interval of thirty days.

Would I still be receiving physical statements for credit card even after making a selection for eStatements?
As soon as the cardholder requests for an online statement for their credit card, the issuance of physical statements is discontinued.

Is there any type of fee involved for accessing credit card statement through email?
There is no need to offer any fee for accessing the facility of eStatements presented by HDFC Bank.

How can I register for eStatements?
In order to register for eStatements, HDFC credit cardholders have three options. The registration for email statements can be done either through the netbanking service, phone banking or directly visiting a HDFC branch.

How can I contact HDFC Bank Credit Card customer care regarding any query?
You can contact HDFC Bank Credit Card customer care regarding any query i.e. 1800 1600 / 1800 2600 .