HDFC updates CIBIL within 15 days of overdue payment, Oct 2026

HDFC Bank now says a payment on an overdue credit card will reflect in CIBIL and other credit bureaus within 15 days of the bank receiving it. The previous version of its terms said 30 days. The change is in the bank's Key Fact Statement cum Most Important Terms and Conditions, version 4.18, updated on 31 October 2026. The 17 October version (4.15) still said 30 days. The document gives no separate effective date.

This matters if you clear an overdue card before applying for a loan or another card. Until the bureau record changes, a lender still sees the old overdue status. The rest of the clause is unchanged: HDFC reports an account as past due to credit bureaus, and charges a late fee, only when it stays past due for more than 3 days after the payment due date.

The same update adds Tata Neu Infinity and Tata Neu Plus to the cards that pay no redemption fee. HDFC charges Rs 99 plus GST for each catalogue redemption request. The cards already exempt are Infinia, Infinia Metal Edition, Diners Black, Diners Black Metal Edition, Biz Black, Biz Black Metal Edition, PhonePe HDFC Bank Ultimo and PhonePe HDFC Bank Uno. The terms still send Tata Neu cardholders to tataneu.com for the rules on using NeuCoins.

A separate Tata Neu change starts on 25 November 2026, when NeuCoins on these cards must be claimed in the Tata Neu app. We covered it in our 30 October post.

Cards affected by the fee change: Tata Neu Infinity HDFC Bank and Tata Neu Plus HDFC Bank. The bureau change covers every HDFC Bank card under these terms. See all HDFC Bank credit cards, and our guides on why a CIBIL score can drop and late payment charges.