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How to deactivate auto pay option in hdfc credit card

By Anil Chauhan June 24, 2020 netbanking 2 Comments

In this blog post, We will know about how to deactivate auto pay option in HDFC credit card, process to deactivate auto pay, is very simple,

Autopay is standing instruction which allows being an automatic payment, in keeping with billing due date ;

HDFC Bank net banking has two methods to Activate/De-activate autopay, 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

Table of Contents

  • How to remove autopay in hdfc netbanking
  • Deactivate Autopay on HDFC Credit card for bill-payment
  • deactivate auto pay option in hdfc credit card using mobile banking
    • What are the advantage and disadvantages of HDFC autopay deactivation?
    • What to do If I am not aware of SI Autopay?

How to remove autopay in 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
  • Continue
How to deativate autopay option in hdfc credit card
Deactivate Autopay

As you click on the auto-pay De-register option, autopay successfully deactivate, this is an instant process, as this process complete, the bank accepts this request and intimate you through an SMS ;

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 ;

Autopay registration steps –

  • 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 ;

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
deactivate auto pay option in hdfc credit card
deactivate auto pay option in hdfc credit card
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deactivate auto pay option in hdfc credit card

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

autopay deactivation for HDFC credit card

Note-2, if Auto-pay standing instruction 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 sites,

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

deactivate auto pay option in hdfc credit card using mobile banking

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,

Click here to know how to login on netbanking

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 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 selected, this request is to complete from the bank side,

  • know more ,how to redeem rewards point
  • Read also- how to pay hdfc credit card bill payment

What are the advantage and disadvantages of HDFC autopay deactivation?

Ans– The benefits of autopay activation 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 autopay?
sometimes it may happen to deactivate autopay due to something wrong; which may create problem 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 disadvantage 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

Conclusion – We have mentioned all methods to deactivate the auto-pay option in hdfc credit card, 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

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About Author

Anil Chauhan

Welcome to my Blog, My name is Anil Chauhan a Founder and chief editor of Bank mehowto.site , currently working on this Blog to share my own ideas with you people, on this Blog, I update detailed information about Bank Net Banking, Debit cards, Credit cards, customer care services, and Money transfer info,

2 Comments

  1. Karim January 5, 2021

    HI I had a query related to my hdfc credit card autopay deactivation ,finally you helped me to solve this issue ,outstanding blog ,

    Reply
    • howto January 5, 2021

      Thank you so much for a nice comment

      Reply

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