HDFC credit card HDFC Credit Card Payment holders have two convenient bill payment methods. The online and offline modes according to one’s preference. Online HDFC mode has several bill payment channels that help clear before the due date. These methods include Bill desk, NEFT, mobile banking, and internet banking. For the offline mode, users can clear the credit bill using cheque deposits, ATM payment, and over the counter cash payment. The online method is fast and convenient compared to the offline modes. It takes few minutes to transact without visiting the HDFC branch.