Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
HDFC Bank offers net banking facility to its credit card customers to manage their credit card 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 credit card PIN and others.
All HDFC Bank customers are automatically registered for the NetBanking facility. However, if you have not been registered for this facility, there are 4 ways you can register, free of cost.
Your IPIN will be couriered to your registered mailing address within 5 business days.
Your IPIN will be couriered to your registered mailing address.
Your IPIN will be couriered to your registered mailing address.
Important Note: The NetBanking Registration request is provided free of charge.
Let’s imagine a situation wherein there is no internet banking facility or any other means to access your HDFC credit card online.
Well, there might be ways to achieve all these. You either call HDFC customer care or check your registered e-mail for account related information, but isn’t it little inconvenient to follow a different process for each one of them? Of course, it is.
If there is something that provides you all the information you need to know about your credit card account at one place, wouldn’t it make your life easy? Of course, it does.
Credit card net banking is one such facility that provides access to all your HDFC credit card account information at one place. It not just makes your account information easily accessible, but also allows you to perform certain credit card related transactions or operations on your own. Let’s check in detail what all you can do by accessing your HDFC credit card online.
Managing more than one credit card thus becomes easy with the net banking facility.
View credit card statements: Though HDFC sends monthly 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. With HDFC credit card net banking account, you can view up to last 6 months bank statement without much effort. Visit here to get complete process of HDFC credit card statements
Once you register your credit card for HDFC internet banking, you can avail a host of online services. Additionally, you can also raise some requests, avail services and register for a few facilities using the net banking account.
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:
In case your HDFC credit card is lost or stolen, instead of approaching HDFC customer care, you can block the card yourself through your net banking account.
Your card will be instantly blocked and the credit limit on the card becomes zero. This prevents any other transactions to take place using the card. The bank will send you a new card to your registered address in 7-10 working days and a card issuance fee of Rs.100 will be charged for the service. Please note that the hot listing feature is only for lost or stolen cards, but not for damaged or non-working cards. In case of such cards, you need to contact HDFC credit card customer care and place a request for new card.
The HDFC Insta Loan is an instant loan facility that can be availed within the eligible credit limit of the card. The loan is available only for select HDFC customers and requires no documentation. Once applied, the loan gets approved online and the same will be credited to your savings account. The loan repayment can be done in equated monthly instalments (EMIs) which include principal plus interest. To apply for Insta Loan through net banking
An acknowledgement of approval or rejection of the loan will be displayed on screen.
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 –
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.
If the current credit limit on your card is not sufficient, you can apply for credit limit enhancement. However, not all cards are eligible for limit enhancement. You can check your net banking account if or not your card is eligible for the facility and raise a request for the same.
Sometimes, the bank also provides a card upgrade with limit enhancement for select customers. In that case, the card will be upgraded to a new credit card product and the limit will also be enhanced. You need to check you net banking account to check whether or not your card is eligible for the facility.
If the card is eligible, you will find the same as a pop-up message. The eligible credit limit along with the new credit card name will be displayed. You can check the features and benefits of the same from the bank’s website and finalise the upgrade. Once approved a new and upgraded credit card will be dispatched to your registered address within 7 to 10 working days. All the transactions, dues, reward points (a percentage) and other details from your old card will be transferred to the new card.
However, in case of only limit enhancement you will not receive any new credit card. You can use the same credit card but with an enhanced credit limit.
Don’t fret if you forget your credit card PIN. With the HDFC net banking facility, you can raise a request for new IPIN
You will soon receive your new credit card PIN will at your registered address.
If you wish to change your net banking password, you can do so using HDFC internet banking account by following the instructions given below:
1. 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:
2. 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).
3. 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:
4. 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:
5. 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.
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