HDFC Bank offers net banking facility to its credit card customers to manage their credit cards accounts quickly and easily. With the credit card net banking facility, HDFC credit card holders can avail a wide range of online services including access to account information such as the credit limit, cash limit, available balance, etc., unbilled transactions, credit card statements and lot more. Customers can also make credit card related requests including registering/deregistering for HDFC Auto-Pay option, generate/re-generate HDFC credit card PIN and others.
How To Register or Create HDFC Credit Card Net Banking Account?
All HDFC Bank customers are automatically registered for the Net Banking facility. However, if you have not been registered for this facility, there are 4 ways you can register, free of cost.
1. Online Registration
- Step 1: Visit https://www.hdfcbank.com/personal/ways-to-bank/online-banking. Scroll to the middle of the webpage where you will find Credit Card NetBanking. Then Click on the Register Online.
- Step 2: You will be redirected to the page below. Fill all the details, then click on Accept terms & conditions. Once you are done with all the details, click on "Submit".
- Step 3: Click on the box to confirm your mobile number where the One Time Password (OTP) will be sent and then click on ‘Continue’.
- Step 4: Enter the OTP sent to your registered mobile number.
- Step 5: Enter your credit card details.
- Step 6: Set your IPIN.
- Step 7: Log into your Net Banking account using your Customer ID/User ID and IPIN.
2. PhoneBanking
- Step 1: Call the PhoneBanking number as applicable to your city from https://www.hdfcbank.com/personal/find-your-nearest/find-phone-banking.
- Step 2: Provide either your Customer ID and TIN (Telephone Identification Number) OR your credit card number and PIN.
- Step 3: Give your Net Banking registration request to the PhoneBanking agent.
Your IPIN will be couriered to your registered mailing address within 5 business days.
3. ATM
- Step 1: Visit any HDFC Bank ATM.
- Step 2: Enter your credit card number and your ATM PIN.
- Step 3: From the main screen, select ‘Other Option’.
- Step 4: Choose ‘Net Banking Registration’ and then confirm the same.
Your IPIN will be couriered to your registered mailing address.
4. Bank Branch
- Step 1: Download the Net Banking Registration from the bank’s website.
- Step 2: Take a print out, fill in the required details, and submit it at any HDFC Bank branch.
Your IPIN will be couriered to your registered mailing address.
Important Note: The Net Banking Registration request is provided free of charge.
Benefits of Accessing HDFC Credit Card Online
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Account information at your fingertips - The HDFC credit card internet banking account provides quick and easy access to your credit card account information including
- Total credit and cash limit
- Available credit and cash limit
- Billed and unbilled transactions
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View credit card statements - Though HDFC sends monthly HDFC credit card statements to your registered e-mail address, accessing them is a little tricky as you need to filter your mail, enter password, view or download the statement to access it.
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Raise requests - Using your HDFC net banking account, you can request
- Register/deregister for HDFC Autopay facility
- Generate/re-generate credit card PIN
- Register/deregister new/old credit card
- Get credit card statement on e-mail
HDFC Credit Card Payment Through Net Banking:
Access to HDFC credit card net banking will allow you to pay your credit card bill within a few clicks. You can stop relying on other sources to pay your credit card bill once you have the HDFC mobile app installed on your phone. To pay credit card bill through HDFC net banking account:
- Login to your account
- Select Credit Card and the card number you wish to pay the bill for
- Click ‘Transact > Credit Card Payment’ and follow the instructions.
Hotlist or Block HDFC Credit Card:
In case your HDFC credit card is lost or stolen, instead of approaching HDFC customer care, you can block the HDFC credit card yourself through your net banking account.
- Login to your net banking account
- Select ‘Credit card > Hotlisting’
- Choose the card for blocking
- Mention the reason, either lost or stolen
- Select ‘Yes or No’ for the reissuance of the card and click ‘Submit’.
The credit card will be blocked and the limit will be zero. A new card will be sent by HDFC Bank within 7-10 working days and an additional fee of Rs.100 will be charged. You can hotlist your credit card only in the case of loss or theft.
Apply for HDFC Insta Loan through net banking:
The HDFC Insta Loan is an instant loan facility that can be availed within the eligible credit limit of the card.
- Login to net banking account
- From the left side menu, select ‘Credit Card > Insta Loan’
- Select the credit card and click ‘Continue’
- You will be prompted to enter the required loan amount, which should be within the available limit on the card, enter the same, select the repayment tenure and confirm.
An acknowledgement of approval or rejection of the loan will be displayed on screen.
Apply for HDFC SmartEMI through Net Banking:
HDFC SmartEMI allows you to convert purchases made using your credit card into EMIs. This facility is again available for select HDFC customers and allows them to convert purchases above Rs.2,500 in to EMIs. To apply for SmartEMI through HDFC net banking –
- Login to your net banking account
- From the left side menu, click ‘Credit Card > SmartEMI
- Choose the card and select the transaction to be converted into SmartEMI
Once you submit the details, the transaction will get instantly converted into EMI and you the first EMI will be added to next billing cycle. A one-time processing fee will be charged to avail the facility and the interest will be added to the EMIs based on the selected tenure.
Change HDFC Credit Card ATM PIN through Net Banking:
Don’t fret if you forget your credit card PIN. With the HDFC net banking facility, you can raise a request for new IPIN
- Login to HDFC net banking account - https://netbanking.hdfcbank.com/netbanking/
- Click Credit Cards > Credit Card ATM PIN
- Select the Credit Card from the drop down menu and click ‘Continue’
- On successful completion, a message will appear confirming your request for new credit card PIN
You will soon receive your new credit card PIN will at your registered address.
Change HDFC Credit Card Net Banking Password:
If you wish to change your net banking password, you can do so using HDFC internet banking account by following the instructions given below:
- Login to net banking account - https://netbanking.hdfcbank.com/netbanking/
- Click on the ‘change password’ option towards the top right-hand of the screen of the net banking homepage.
- Type in the current password and the new password in the respective boxes and click ‘Submit’.
- An acknowledgement of the change in password will be displayed on screen.
- An email to this effect will also be sent to the registered email address associated with the credit card account.
FAQs on HDFC Credit Card Net Banking
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My HDFC Bank credit card net banking account has been blocked. Why did this happen?
If your HDFC Bank credit card net banking account has been blocked, these are some of the possible reasons:
- You entered the IPIN password incorrectly more than 5 times.
- You have not used the facility for more than 120 days and it has been rendered inactive.
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How do I reactivate my credit card net banking account?
To reactivate your credit card net banking account, simply apply for a new IPIN after completing the verification process (entering the card number and other proprietary information as requested on screen).
- How do I de-register from the credit card net banking service?
If you wish to deregister from the credit card net banking service, you may follow the steps listed below:
- On the net banking homepage, click on ‘De-register Card’.
- Choose the card you wish to de-register and then click ‘Confirm’ to stop net banking for that particular card.
- What services can I avail using the HDFC Bank credit card net banking?
You can enjoy the following services and facilities through the credit card net banking facility:
- Automated bill payment for the registered credit card/s.
- View monthly statement.
- View account information.
- View unbilled transactions.
- De-register a new credit card.
- Generate a new credit card ATM PIN.
- Opt to receive your statement through email.
- Register a new credit card.
- What are the fees for this service?
There are no fees associated with using HDFC Bank credit card net banking. it is provided free of cost.
