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How to Activate HDFC Credit Card Online?

Want to know How to Activate HDFC Credit Card Online? Well you have landed on the right article!

Have you got your HDFC credit card and don't know how to activate a credit card? Have you deactivated it since you weren't using it and wished to start it again? Or are you using a credit card for the first time?

Irrespective of whether the above questions are relevant to you or not, we're taking you to a walkthrough in this guide to help activate your HDFC credit card with ease.

The popularity of using credit cards is mounting each day because of its benefits. However, it is also not free from fraudulence, misusage, and ending in the wrong hands. So, most people choose to deactivate their cards when not in use and activate them when they need them.

But, all credit cards don't have the same activation procedure. The activation procedure depends on where you applied for a credit card. In this case, we'll be discussing the HDFC credit card.

How to Activate HDFC Credit Card Online?

When you request a new credit card from HDFC Bank, you'll receive a Personal Identification Number (PIN) in a tamper-proof envelope along with your credit card. You might get the 4-digit unique PIN either on your registered email address, a private letter from a bank, or through both.

After receiving this pin, you'll need to change it for activation and security purposes.

How to enable HDFC credit card for online transaction

One of the best things about activating your HDFC Bank Credit Card is that you will need to go through the nuisance of filling out forms or waiting in long queues. You can visit your nearest HDFC Bank ATM or do it online through Net Banking in just a few clicks.

Method 1: Offline Through Nearest HDFC Bank ATM

Follow these steps for activating your Credit Card offline through the HDFC Bank ATM.

Step 1: Call the bank's toll-free phone banking number and choose the option for setting the credit card PIN.

Step 2: Once you select the option to set the pin, you'll get an OTP on your registered phone number.

Step 3: Next, insert the credit card into the ATM.

Step 4: Directly choose the option to create a new PIN using OTP

Step 5: Enter the OTP you received and your registered mobile number.

Step 6: You can now set a secure 4-digit ATM PIN and activate your credit card.

Method 2: Online Through Net Banking

Activating your HDFC Credit Card through Net Banking is the easiest way as it saves you from the hassle of locating the nearest HDFC ATM and standing in long queues. Your credit card will be ready for use in a few simple steps listed below.

Step 1: Visit the login page of the HDFC Net Banking Portal-


Step 2: Enter your unique Customer ID and the IPIN.

Step 3: Select the 'Credit Card' Tab.

Step 4: Select 'Credit Card PIN' in the' Request' section.

Step 5: If you have multiple credit cards from HDFC, you'll get prompted to choose the specific card you wish to activate.

Step 6: Enter the new 4-digit PIN and click on confirm to set the new PIN and activate your HDFC Bank Credit Card.

If you only have an HDFC credit card, visit this link to access your credit card details:

You'll get prompted to enter your login ID and password here. After logging in, follow the above steps to change your 4-digit PIN and activate your credit card.

Precautions to Take While Activating HDFC Bank Credit Card PIN

Mere learning how to activate new credit card hdfc isn't enough. Since fraudulence is widespread and growing commonly with bank cards, especially with Credit Cards, you'll need to ensure some safety measures so that you don't get caught up in the web of swindling.

Here are some primary precautions you can take to ensure maximum safety from fraud.

1. Never share these details with anyone, type them in message texts, or write them down anywhere.
   a. You receive One-Time Passwords (OTP) on your registered phone number or email.
   b. Your 4-digit ATM PIN
   c. Login ID
   d. Passwords
2. Never discuss and share your credit card details like credit card number, CVV, expiry date through phone calls or SMS.
3. Never allow anyone to change your ATM PIN or activate your credit card for you.
4. Avoid clicking pictures of your credit card and sharing those pictures.
5. Ensure that you activate your credit card by yourself when doing it the first time.
6. If you are using online services to activate your card, change your ATM PIN, or access your baking account for other services, ensure that you do it through your devices ONLY.


About HDFC Credit Card Reward Points

HDFC Bank offers a reward program for credit cardholders called My Rewards. According to this program, whenever you make payments using the HDFC credit card, you receive some reward points based on the credit card type you own.

Not only is this an excellent way to encourage credit card users to use the cards, but it also makes buying a productive experience.

You will earn reward points when you make payments for:

  • 👉 Grocery Shopping

  • 👉 Taxi

  • 👉 Movie Ticket Booking

  • 👉 Dining at Restaurants

  • 👉 Railway Travels

  • 👉 PayZapp

  • 👉 SmartBUY

HDFC Bank has partnered with several brands ranging from airlines and hotels to restaurants, retail outlets, and donation drives to offer a diversified rewarding experience. Once you have over 500 HDFC credit card reward points, you can redeem them for a range of choices that you can select from:

  • 👉Luggage and travel accessories

  • 👉Gift vouchers and E-vouchers for Partner Brands

  • 👉Audio Devices and Equipment

  • 👉Kitchen and Home Appliances

  • 👉Tupperware

  • 👉Lifestyle

  • 👉Storage devices

How To Use HDFC Credit Card Reward Points?

To use your HDFC Bank Credit Card reward points, you'll have to redeem them. You can do this through either of two ways: offline through post or online through net banking.

Method 1: Offline Through Post

You can download the reward points redemption form, fill it out, and mail it out to the customer care service address of HDFC Bank.

You can access the HDFC reward points form through this link: https://v1.hdfcbank.com/assets/pdf/redeem_form.pdf

Method 2: Online Through Net Banking

Redeeming your points through your Net Banking account is an easier way to redeem your reward points and saves you the trouble of visiting your bank and filling out forms.

Step 1: Visit the login page of the HDFC Net Banking Portal- https://netbanking.hdfcbank.com/netbanking/ or go to the HDFC Mobile App.

Step 2: Enter your unique Customer ID and the IPIN.

Step 3: Select the 'Credit Card' Tab.

Step 4: Press the 'Redeem Reward Points' options. You can find it on the left panel.

Step 5: If you have multiple credit cards from HDFC, you'll get prompted to choose the specific card for which you wish to redeem the gained points.

Step 6: After selecting the card, you'll get redirected to the 'Online Redemption Portal'

Step 7: Go to the recovery portal. Select → Redeem Reward Points → Choose Points Range → Item Category. You'll get a list of available reward items.

Step 8: Select the items you like and add them to your cart.

Step 9: Checklist the tick box beside ‘Terms and Conditions’ and press ‘Redeem.’


Now that we have walked you through how to activate credit card process and briefed you about the reward system, you can now start using it and enjoy your hassle-free buying experience.

I hope you liked our article on how to activate hdfc credit card online, if you have any comments or suggestions do share them in the comments below.

Frequently Asked Questions

Q1. Can I change the ATM PIN set by the bank on my credit card?

Yes, you can change the ATM PIN set by the bank on your credit card. You can log in to your net banking account, go to the credit card tab and select the change pin option.

You'll receive an OTP on your registered phone number, which you can enter to set a new PIN. You can also visit your bank's nearest ATM and change your PIN.

Q2. Why does my new credit card not work?

When you get a new credit card, you receive it in a 'deactivated' mode to prevent fraud and ensure the card's safety. You can activate your card by changing the ATM PIN provided by your bank through Net Banking or by visiting your bank's nearest ATM.

Q3. Do I need to verify my identity at the time of delivery of my credit card?

Yes, identity verification at the time of delivery of your credit card is compulsory. You'll need any of your identification documents like Aadhar Card, PAN card, passport, or driving license to complete the identity verification at the time of delivery.

Q4. How do I activate my Visa credit card?

When you receive your Visa card, you'll also receive a set of instructions along with the card that will guide you through the activation process. In general, you can activate your card either online or offline.

The most convenient way to activate your Visa card is to visit the bank's website from where your card got issued or call the number given at the back of your card. 


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About the Author

Prakash is a passionate individual who loves to live his life up to full potential. An avid traveller and reader, he loves to explore various places and has quite a knack for research. He is intuitive by nature and possess the ability to handle multiple informational resources at one time. Prakash is dedicated and sincere in approach and he loves networking with like-minded people.

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