Tell Me Pros and Cons for SmartPay of HDFC Bank

Sure, here are some of the pros and cons of SmartPay by HDFC Bank:


  • Automate bill payments: You can set up automatic bill payments for your utility bills, mobile bills, DTH bills, and other recurring payments. This will help you avoid late payment fees and ensure that your bills are always paid on time.
  • Earn rewards: You can earn rewards points on your bill payments through SmartPay. These points can be redeemed for discounts, cashback, and other rewards.
  • Easy to use: SmartPay is easy to use and set up. You can register for SmartPay through the HDFC Bank website or app.
  • Secure: SmartPay uses state-of-the-art security measures to protect your personal and financial information.


  • Not all bills are eligible: Not all bills are eligible for automatic payment through SmartPay. You will need to check with HDFC Bank to see if your bill is eligible.
  • Minimum balance requirement: There is a minimum balance requirement of Rs. 1,000 to use SmartPay.
  • Late payment fees: If you miss a payment through SmartPay, you may be charged a late payment fee.

Overall, SmartPay is a convenient and secure way to pay your bills. It offers a number of benefits, such as automatic bill payments, rewards points, and easy use. However, there are some limitations, such as not all bills being eligible and a minimum balance requirement.

Here are some additional things to keep in mind about SmartPay:

  • You can register for SmartPay with any HDFC Bank credit card.
  • You can pay bills in multiple currencies through SmartPay.
  • SmartPay is available through the HDFC Bank website and app.

If you are looking for a convenient and secure way to pay your bills, SmartPay is a good option to consider. However, be sure to weigh the pros and cons before deciding if it is right for you.