How to Pay HSBC Credit Card Bill Payment Using Online & Offline Modes
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To ease your financial burden, HSBC offers you the best credit card options that let you transgress your financial barriers and meet your wishes and requirements. However, it is necessary to ensure that you make your HSBC Credit card bill payment in time so that you avoid late fee payments or penalties and continue to enjoy the benefits.
HSBC Credit Card Bill Payment through UAEFTS in UAE
UAEFTS (United Arab Emirates Fund Transfer System) is based on Real-Time Gross Settlement (RTGS) fund transfer model that lets you transfer money from one bank account to another. Since the platform is owned and controlled by the Central Bank of the UAE, you can make transactions without worrying about security. This platform can also be used to make your HSBC credit card bill payment. To avail of this facility, you will require visiting an exchange house. Before making the money transfer, confirm with the exchange house if it accepts payment for the HSBC credit card bills. You can also find the list of exchange houses HSBC has partnered with to smoothen your HSBC credit card bill payment experience. You can make your HSBC credit card bill payment at Al Ansari Exchange as well.
Please note:
- The exchange house will charge additional charges for accepting HSBC credit card bill payments.
Why should I use UAEFTS to make HSBC Credit Card bill payments?
UAEFTS is a secured platform to make HSBC credit card bill payments since it is managed by the Central Bank of the UAE. Also, there are several other benefits of using UAEFTS such as:
- UAEFTS lets you make payments via foreign currencies such as USD and GBP. This gives you the freedom to choose the currency and make credit card bill payments without being concerned about exchanging currency.
- The exchange houses, which facilitate UAEFTS, accept payments through international platforms as well, so you can make your payment from anywhere in the world.
- Since UAEFTS permits cross-banking transfers, you can make HSBC credit card bill payments from any bank in the world.
- Since UAFTS is based on RTGS, you can regularly track your payment whenever required.
Are There Any Problems with UAEFTS?
While UAEFTS is a flexible payment platform with numerous benefits, there are some issues you need to be wary of while using it:
- You will require paying an additional fee to avail of this facility at an exchange house. If you choose to pay your outstanding balance in installments, you will end up paying a hefty additional amount overall.
- Since the payment is made through a third party, it may take up to 2 working days to reach the bank. In case of delayed payment, you will be liable to pay fines and a late fee penalty if the payment reaches the bank after the due date.
- UAEFTS payment is enabled by exchange houses. You may have to make extra efforts to find the exchange houses that accept HSBC credit card bill payments.
HSBC Credit Card Bill Payment Options in the UAE
Simplifying the process of HSBC credit card bill payment, HSBC offers multiple platforms so that you don’t sweat while making the payment. To make your HSBC Credit Card bill payment easily, you can use both online and offline platforms.
How to Make HSBC Credit Card Bill Payment Offline?
If you trust the traditional method of banking, you should consider the offline method to pay HSBC credit card bill. To make the HSBC credit card bill payment offline, locate and visit your nearest HSBC branch.
HSBC Credit Card Payment by Chaque
You can make the HSBC credit card bill payment by writing a cheque in favour of HSBC credit card. To avail of this facility:
- Mention your 16-digit credit card number and HSBC Card in the payee column
- Write the amount to be paid
- Sign the cheque
- Visit your nearest HSBC branch
- Fill in the deposit slip. Before depositing the cheque and deposit slip, ensure that all the details are filled incorrectly
- Deposit the cheque in a cash deposit machine (CDM).
Please note that the deposited cheque may take up to 3 working days to clear. To avoid attracting any late fee payment, you are suggested to deposit the cheque for HSBC Credit Card bill payment at least 4 working days before the due date.
HSBC Credit Card Payment by cash
In case you wish to make an instant amount transfer to make your HSBC credit card bill payment offline, you are advised to use the cash payment mode. Cash payments take less than a minute to clear since the amount is transferred instantly to the bank. Additionally, you get payment confirmation immediately. If you are making a last moment payment, you should rely on cash payment.
How to Make HSBC Credit Card Bill Payment Online?
In this fast-paced world, moving slowly is not an option! To ensure that you do not have to slow down to make your HSBC credit card bill payments, HSBC offers you on-the-go online payment offers. Using online methods of payments, you can make the HSBC credit card bill payment whenever it is convenient to you, irrespective of the banking hours. There are several online payment options you can consider to make the payment:
- HSBC Online
- Internet Banking
- Payment from other banks
- Direct Debit Systems
- Digital Wallets
How to Pay HSBC Credit Card Bill via HSBC Online?
HSBC allows you to make HSBC credit card bill payments using HSBC Online, a mobile app for availing of HSBC financial solutions. To make payment:
- Open the HSBC Online app on your mobile phone and log in
- Select the credit card
- Click on make payment
- Enter the amount
- Verify and confirm the amount
- Log in to your online banking to complete the payment through Central Bank Payment Gateway
HSBC Credit Card Payment by Internet Banking
In case you prefer to make your HSBC credit card bill payment via desktop, you can visit the HSBC website and log in to your bank account. Once you are logged in, you can make HSBC credit card bill payment following this procedure:
- Click on View Current Statement
- On the next page, select make payment
- Select from ‘total amount due’, ‘minimum amount’ or ‘choose another amount’
- Click on make payment
- Enter your savings account pin
The amount will be deducted from your HSBC bank account.
HSBC Credit Card Payment from Other Banks
If you do not have a bank account with HSBC, you can make your HSBC credit card bill payment from another bank account by following these simple steps:
- Add your HSBC credit card as a beneficiary
- Select and save it
- Enter your 16-digit credit card number in the account number column
- Type the amount
- Make payment
Please note that you can use this method to make HSBC credit card bill payments from any UAE bank’s online portal. If you face any difficulty in paying the bill, write to your bank to raise the concern.
HSBC Credit Card Payment by Direct Debit System
The direct debit system is a method that allows you to make your credit card payments of outstanding balances every month automatically. This system allows you to forget your due dates since HSBC will automatically deduct the specified amount from your bank account on the set date without requiring any further action. However, when you are choosing this option, please ensure that you maintain a sufficient account balance for the required deduction. In case if you do not have enough balance on the day of deduction, HSBC will not be able to deduct the amount and you will be subjected to make the payment. In this case, if you make a late payment, HSBC will not be held responsible and you will be subjected to pay a late fee. You can set up a direct debit system by visiting the HSBC website.
HSBC Credit Card Payment by Digital Wallet
Digital Wallet is the latest technology in the field of online payments. It is a platform that allows you to link your debit card and bank account to your mobile phone and make easy payments online in less than a minute. To make HSBC credit card bill payment online via a digital wallet, you can use these payment options:
- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay
- Fitbit Pay
- Visa Checkout
Can I Pay the HSBC Credit Card Bill From Another Bank’s Credit Card?
HSBC credit card does not accept direct payment from any bank’s credit card. However, there are a few other indirect methods that you can use to make the payment – cash transfer and balance transfer.
HSBC Credit Card Payment by Cash Transfer
With your credit card, you receive the facility of withdrawing cash from your card from an ATM. You can use this facility to withdraw cash and deposit this cash at your bank in favour of an HSBC credit card.
HSBC Credit Card Payment by Balance Transfer Facility
A balance transfer is a facility provided on some credit cards that allows you to transfer your debt from one credit card to the other. You can use this facility to make your HSBC Credit Card bill payment from other bank’s credit cards. To avail of this facility:
- Call your credit card company that is providing the balance transfer facility
- Provide them with HSBC credit card details such as credit card number and expiry date
- Specify the amount that needs to be transferred
Ensure that the credit card you are using for the balance transfer facility has a lower interest rate than the HSBC Credit card.
Can I Make a Partial Payment on the HSBC Credit Card Bill?
It is not necessary to make complete payment on the outstanding amount on your HSBC credit card. You may choose to make a partial payment at your convenience. However, in this case, the bank will apply interest on the principal amount and the interest will be compounded every month. To avoid paying a higher amount on interest rates, you are suggested to make complete payments on your HSBC credit card. However, making partial payments is a viable solution if you are unable to make your full HSBC credit card bill payment at once.
Why Should You Not Pay a Credit Card Bill from Another Credit Card?
While you do have the option of making your credit card bill payment from another bank’s credit card, you should not use this facility until it is your last resort. Paying through another credit card does not settle your debt but merely transfers it to another bank account. You are still required to make the payment. Besides, the debt reflects on your credit report and may hamper your credit Score in the longer run.
However, if you are low on a monthly budget, you can pay through other methods as mentioned above.
How Can We Help You in Making HSBC Credit Card Bill Payment?
While we cannot assist you in making your HSBC credit card bill payment, we can help you in finding a credit card with balance transfer facility so that you can make your HSBC credit card bill payment through another credit card and repay the amount later.
How to Find A Credit Card With the Balance Transfer Facility?
There are several credit cards with a balance transfer facility in the UAE. However, it can become overwhelming to find the right credit card that not only serves the purpose of HSBC credit card bill payment but also meets your other requirements. To find the most suitable credit cards, you can visit our credit card webpage. You can also compare the attributes of various credit cards to determine which credit card is the most suitable one for you.
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