In this blog post, We will know about How to Deactivate Auto pay Option in HDFC Credit Cards, process to deactivate auto pay, is very simple,
It is a standing instruction that allows for automatic payments on a specified billing due date; HDFC Bank net banking has two methods to Activate/De-activate autopay,
The first one is of deactivating auto pay from HDFC credit card and 2nd is for (Smart pay)deactivating scheduled autopay of bill payment, I have covered both methods, please read till the end
- Read also-how to activate HDFC credit card
How to Remove Autopay From HDFC Netbanking?
To remove auto pay in HDFC net banking, first of all, do login on net banking using this official website www.hdfcbank.com
- Log in to HDFC Net-banking
- Go to the ‘Cards‘ tab
- Click on Credit card
- Select the option “REQUEST“
- Autopay De-register
- Select the credit card
As you click on the auto-pay De-register option, autopay will successfully deactivate, this is an instant process and as soon this process is complete. the bank accepts this request and intimates you through an SMS ;
Deactivate Autopay on HDFC Credit card for bill-payment
To deactivate AUTOPAY for your scheduled billed payment from HDFC Credit card; it does depend on many factors such as if the utility bill payment is set up via Net-banking to your credit card; so this can be deactivated through Net-banking;
- Log in to internet banking of HDFC Bank
- Go to the “CARDS” Tab
- Choose your ‘HDFC credit card ‘
- Select the option “Transact”
- Click on the option “SMART PAY”
- Click on CONTINUE to view all Utility bill
- Go back
- Click on “BILL PAY and Recharge”
- Click on “Continue” to check biller details
- Click on “VIEW BILLERS”
- Deactivate AUTO PAY for billers
After clicking on the bill-pay & recharge option,tap on my billers to view all added biller details, so choose that specific biller details which you wish to remove from the auto-pay list and then click on Delete
- Note – Utility bill represents to all types of biller such as Electric bill payment, Mobile bill payment, Insurance bill payment, for which, automatic payment deduct from your HDFC credit card so you can deactivate autopay using those above steps
Note-2, if Auto-pay standing instruction is also enabled from an HDFC credit card unknowingly or knowingly, for a Particular Bill payment which you are not aware of, such cases can bring the issue to you to identify the type of bill payment, and this can be activated by any Payment gateway sites
To deactivate Auto-pay in such cases you are recommended to delete the credit card data from that particular payment gateway site,
For example – Unknowingly Bill for my MCA FEE SECURITY ANTIVIRUS was deducted from my HDFC credit card, for which I was not aware of at all; I knew when I received SMS from the Bankside, Therefore; I immediately Logged in to the MCA Fee security antivirus website and checked that AUTO-PAY was enabled by default;
SO manually I deactivated AUTOPAY from there; Hope you get this scenario very well; but if you do not know anything for any particular bill; for which, payment was deducted from your HDFC credit card, so you can get your credit card blocked in order to stop AUTOPAY
How to disable autopay in hdfc mobile app?
to deactivate the auto-pay option using mobile banking, first of all, Launch HDFC mobile banking app, if you do not have the latest version of the HDFC mobile banking app, you may download that application from here
after you download that application, open that application, and then do login on mobile banking application,
after successful login on mobile banking, click on ‘pay option’, then click on cards, click on your credit card, you will see the account summary of your credit card, below the credit card account summary ;
steps in a glance for – deactivate AUTOPAY –
- Log on to HDFC Mobile banking app using user id and Password
- Go to ‘PAY’
- Click on ‘Credit card”
- Go to credit card account summary
- view the option ‘AUTOPAY Deactivate” below
- Continue it
Note– as the autopay option is available over there, choose the options accordingly, whether you want to enable auto-pay or want to deactivate auto-pay, once the auto-pay deactivation option is selected, this request is to complete from the bank side,
- Read also- how to pay hdfc credit card bill payment
What cases Autopay deactivation is necessary in time?
Many cases can be to deactivate autopay in credit card or debit card, one example I have discussed above is for a similar situation as in MCA fee security auto pay disabled. you can read below also
- If a merchant does not receive real time payment through your autopay facility.
- Merchant receive the payment but the services you have enabled for is not activated.
- In case of suspect cases immediately deactivate it.
- Deactivate it when you do not require longer merchant services.
- Remove autopayment if you don’t want automatic payment.
- Remove it when payment frequency is not assured.
HDFC deactivate auto pay option in hdfc credit card methods
I hope that you are aware of how to stop HDFC Autopay now by reading above articles ,in which I have mentioned two process ,1st with Net banking and 2nd is, Mobile-banking process ,
moreover you have got customer care helpline number ,they can also help you with autopay deactivation process, so now onward you can use these below process to do this thing to be completed at your request
- Internet Banking process above revealed
- Mobile banking process above revealed
- Customer care officer
How to remove auto pay from HDFC credit card?
I believe that most of the HDFC Bank credit card holders may not have either HDFC Bank account Net banking accessbility or Credit card netbanking access , the customers who are sole credit card holders and they have not interbanking facility due to having only credit card
,then, they can also remove auto pay from their HDFC Bank credit card by contacting Credit card executive, however card holders can have net banking facility so please read that guide to learn how to register credit card net banking
Autopay registration steps
in case of auto pay re-activation, the process is the same, after login on the net banking, click on credit cards, go to ‘request option’, and select autopay registration ;
- Login to HDFC Net-banking
- Go to the ‘cards’ tab
- Click on Credit card
- Select the Option’ REQUEST’
- Autopay registration
- Choose ACCOUNT
- Click on ‘Continue”
- Authenticate that using received OTP
- Choose Autopay on TAD (total amount due) /MAD (minimum amount due)
- Continue it
before you choose auto pay registration and activate auto pay standing instructions, the bank asks two things respectively, whether you want to activate auto-pay on the minimum amount due or on the total amount due; so choose the option for the total amount due,
- Read also-how to submit HDFC CDF FORM
choosing the option for the total amount due will not levy additional charges such as late fee or finance charges ;
and thus civil score may sustain very good on your credit cards, we know that, when the bank does not receive payment of HDFC credit cards on time, this leads civil score may down, and also reduce offers may come on credit cards; this is my personal experience which I am sharing ;
What are the advantage and disadvantages of HDFC autopay deactivation?
Ans– The benefits of autopay activation are that it never let you make a payment from your side according to the billing due date for any particular biller, but for this, the autopay facility always required sufficient available balance into an account to initiate the autopay transaction
What is the disadvantage of deactivate auto pay option in hdfc credit card?
sometimes it may happen to deactivate autopay due to something wrong; which may create problems in the account and Autopay might be bounced, in case of Autopay is bounced, the bank often takes bounce charges; which is really higher; because the bank does not receive the payment in such cases, thus late fee charges, finance charges applicable
So it depends on how you make the maintenance in keeping with ‘autopay facility; before you think about ‘auto-pay deactivation, you should know the advantage and disadvantages of auto-pay;
if your account has sufficient balance remaining by every month
Then no chances to occur any kind of additional charges, but make sure autopay to activate is on monthly total due amount; not on the minimum amount due; because autopay enabled for the minimum amount due; this may let you bear interest charges on your credit card ;
What to do If I am not aware of SI Autopay?
Ans- For any particular biller, or if the amount gets debited from your bank account without your authorization, immediately investigate that transaction details, after investigation, if no clue as an Information you get, then kindly block all modes of the transaction by calling in customer care services, to stop further, I have mentioned an example above which may help you a lot to identify the type of autopay
How to Deactivate/Cancel Smart Auto pay if I Don’t Have Net Banking Access?
Ans-In order to deactivate Smart pay for your utility bills, without internet banking, you may need to contact a phone banking officer and let them raise a request for you to deactivate it, otherwise, you can use the above-given processes to activate or deactivate auto pay by using NetBanking and mobile banking simple process,
Conclusion – We have mentioned all methods to deactivate the auto-pay option in HDFC credit cards, using Net-banking and Mobile-banking, however, if you find any issue related to this topic, please put your concern in the comment section,
Tags- deactivate auto pay option in HDFC credit card, auto-pay deactivate