Tata Credit Card Bill Payment — Quick & Easy Online Methods

Key Highlights
 

1. Tata Neu, in partnership with HDFC Bank, serves as the main platform for making Tata credit card bill payments.
    
2. Non-HDFC payments route through the BillDesk gateway. Such payments may take two to three working days to post.
    
3. The Tata Neu app and HDFC NetBanking are the recommended online methods. Mobile payments usually post within one working day.

You know what the problem is with too much information? You are not able to find a single solution to your problem. Sure, there are multiple ways to pay the Tata Credit card bill, but how? We have answered this question in this blog.

Tata Credit Card Bill Payment Overview

Tata has a “Neu” brand in partnership with HDFC Bank. The Tata Neu HDFC Bank Credit Card is part of the Tata credit card offering. Tata provides a payment platform “Tata Pay” (via the Tata Neu app / Tata Digital), using which you can make your Tata credit card bill payment very conveniently.

Tata Credit Card Bill Payment: Online Methods

Here are the various ways you can make a Tata credit card bill payment:

1. Tata Neu app (dashboard or bill payment section) using Tata Pay.
    
2. HDFC Bank Net Banking / Mobile Banking 
    
3. BillDesk payment gateway to accept payments from non-HDFC bank accounts. 
    
4. NEFT/RTGS/IMPS

Let’s see each of the methods.

Tata Credit Card Bill Payment through Website

To make it through the website, follow these steps:

1. Open the BillDesk payment portal.
   
   Type your HDFC Bank credit card number and the amount you want to pay.
    
2. Pick NetBanking from the payment methods menu and click PAY. You will be redirected securely to your bank payment page.
    
3. Log in with your net banking user ID and password.
    
4. Check and confirm the payment amount. The amount will be debited from your account.
    
5. You will see an online confirmation and receive a transaction reference number.
    
6. If you provide an email address, you will get an email receipt for the payment.

Payments made through BillDesk normally take two to three working days to reflect. If you used a third-party app to make the payment, contact that service provider directly for any payment posting queries.

Tata Credit Card Bill Payment through Mobile App

The Tata Neu app allows you to pay credit card bills via its “Pay Now” or “Bill Payment / Bills & Recharges” section. To make a Tata Credit Card Bill payment, follow these steps:

1. Open the mobile banking app on your phone. If you do not have it, install the app from the App Store or Google Play Store.
    
2. Sign in with your Customer ID and password or use the Quick Access PIN.
    
3. Tap Pay and then select Cards.
    
4. Choose the card that is already registered to your profile.
    
5. Tap the Pay option to start the payment.
    
6. Pick the amount to pay, such as Minimum Total, or enter another amount.
    
7. Tap Confirm to complete the payment.

Mobile banking credit card payments usually post within one working day. For payment posting queries related to third-party apps, contact the third-party service provider directly. Payments may be delayed due to system cutoff times or bank holidays.

Tata Credit Card Bill Payment through Net Banking

You can now pay your Tata credit card bills using net banking. If you don’t already have a net banking account, sign in now using the official HDFC portal. Now you can make Tata Credit card bill payment through net banking. You just need to follow these steps:  

To pay HDFC Bank credit card bills

1. Sign in to your HDFC Bank NetBanking account by entering ‘CustomerId’ and clicking on ‘Continue’.
    
2. Open the Cards menu.
    
3. From the left menu, click Transactions, then choose Credit Card Payment.
    
4. Pick the account you want to debit, and then pick the card number to pay.
    
5. Choose the payment amount type and complete the payment.

To pay credit card bills from other banks

1. Sign in to your HDFC Bank NetBanking account by following the same steps as before.
    
2. Go to BillPay and Recharge.
    
3. Select Credit Card Bill from the options.
    
4. Choose the issuer of the credit card you want to pay with.
    
5. Provide the credit card details to fetch the bill.
    
6. Enter the amount you wish to pay.
    
7. Choose your payment method and finish the transaction.

Credit card bill payments made through NetBanking usually post within one working day. If you make a payment through a third-party app, contact that service provider directly for any payment posting queries.

Tata Credit Card Bill Payment through UPI

There is no mention of UPI as a medium to make a Tata Credit card bill payment on the official site. However, you can choose UPI as the medium to make payments when using net banking.   

Tata Credit Card Bill Payment through NEFT/RTGS

NEFT, RTGS or IMPS are other ways through which you can make Tata credit card bill payments easily. Choose the option that suits your timing and transfer limits, and follow the steps given below:

1. Log in to your bank's net banking portal or use your bank's mobile app.
    
2. Start a fund transfer and add a beneficiary using the card number as the beneficiary reference.
    
3. Use IFSC HDFC0000128 for NEFT and RTGS transfers to HDFC Bank.
    
4. For immediate credit, use IMPS or Visa Money Transfer if your bank supports it.
    
5. For large value same-day transfers, use RTGS during bank working hours.
    
6. Enter the payment amount, confirm the details and complete the transfer.
    
7. Save the transaction reference number or UTR and keep the receipt or screenshot for your records.

IMPS and Visa Money Transfer usually post instantly. NEFT and RTGS timings depend on the sending bank and system cutoffs and may take from a few minutes to a working day.

For payment posting or reconciliation queries related to third-party apps, contact the third-party service provider directly.

Tips for Hassle-Free Tata Credit Card Bill Payment

Here are a few things to consider before making your first Tata credit card bill payment for a simplified experience.

1. Make sure your Tata Neu app is up to date. Sometimes payment modes / UPI options have been known to temporarily fail due to app-version issues.
    
2. Use the Tata Neu “Bills & Recharges” or “Pay Now” section to see all available payment modes for your credit card. The app will show HDFC Net Banking, BillDesk, or UPI depending on your bank/account.
    
3. Have your credit card number ready (16 digits), registered mobile number, and net banking credentials.
    
4. For payments via BillDesk or non-HDFC bank accounts, allow for some delay in settlement. Sometimes, a few hours or up to a working day.
    
5. If using UPI, ensure the card is permitted for UPI / RuPay CC on UPI (or that your card is of a type that supports such payments). Also, verify that the merchant/biller supports UPI-credit card payment.
    
6. Keep transaction receipts/payment references in case you need to raise a query.
    
7. Pay a day or two before the due date, especially if using non-instant methods.
    
8. Check statements afterwards to ensure the payment has been credited (especially when using gateways or non-HDFC sources).

You can do the old way, too. Go to the bank and pay your dues, perfect. But these tips and the digital world will save you time and effort 

Conclusion

Tata Neu is linked to HDFC NetBanking. Using it, you are allowing yourself to experience the fastest credit card payments, UPI or BillDesk for convenience. Just to be vigilant, always keep transaction receipts securely to resolve posting delays or queries promptly.

FAQs

How do I set up auto-debit or standing instructions for a Tata credit card?
Log in to HDFC NetBanking or Tata Neu, go to Cards/Payments, select Auto-Debit or Standing Instruction, choose debit account and amount, then confirm with OTP. Confirm the setup status after you enrol.

Can I convert my credit card bill or outstanding amount into EMI?
EMI conversions usually apply to purchases, not ordinary bill payments. Check HDFC’s offers for balance conversion or EMI on outstanding balances. Terms and eligibility vary by bank.

Can I pay my Tata credit card from a foreign bank account or in foreign currency?
The file does not cover this. Generally, credit card payments are expected in INR. Paying in foreign currency may involve conversion and bank fees.

What is an e-mandate for Tata Credit Card bill payments?
An e-mandate allows you to automatically pay recurring bills (like electricity, gas, or phone) from your Tata Credit Card. You can set the biller details, limit amount, and duration directly on the Tata Card App or Website under Services and then to Manage Recurring Transactions.

If your card number changes due to renewal or upgrade, you’ll need to re-register the mandate with your new card details.

Why is my Tata Neu app not showing the credit card payment option for some bills?
This issue usually occurs because some billers temporarily disable the credit card payment option or due to app cache errors. Try updating or reinstalling the Tata Neu app and re-adding your saved cards. If the issue continues, it’s likely a temporary restriction from the biller side.

How can I stop Tata Neu bill reminders after paying my bill elsewhere?
If you’ve already paid your bill through another app or portal, open the Tata Neu app, go to your “Bills & Recharges” section, and use the ‘Mark as Paid’ option. This will remove the current reminder and ensure you only get notifications when the next bill is generated.

What happens if a Tata Card utility bill payment fails or gets paid twice?
If your bill payment fails due to an insufficient credit limit, it will not be processed. In case of a double payment, the excess amount will be reflected as a credit in your next bill cycle. Disputes or refund requests for wrong or duplicate payments should be raised within 6 months of the billing date through Tata Card customer care.

Can I pay my Tata Credit Card bill before the statement is generated?
Yes, you can pay your Tata Credit Card bill early through net banking or third-party platforms like CRED. However, the Tata Neu or Tata Card app may not show a payment option before the statement is generated. Early payments help reduce interest and improve your credit utilisation ratio.

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.