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About HDFC Bank Credit Card PIN Generation in India

**Disclaimer: HDFC Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.

When it comes to finances, protecting your funds from frauds is of primary importance. As a result, having a strong credit card PIN (Personal Identification Number) becomes critical to avoid your card from being misused. When you apply for an HDFC Bank credit card, you are required to set your HDFC credit card PIN as soon as you receive the card. The process can be done online as well as offline. Let us take a look at how.

What are the Different Methods to Generate HDFC Credit Card PIN?

HDFC new credit card PIN generation can be done online via HDFC credit card net banking, and offline, through an ATM. Depending on which process of HDFC credit card PIN generation you opt for, you can follow the steps mentioned below-

1) HDFC Credit Card PIN Generation Online via Netbanking-

  • Register for the HDFC netbanking facility

  • Login to begin your credit card PIN generation on the HDFC online portal

  • Under ‘Credit Cards’ click on ‘Credit Card PIN’

  • Choose your HDFC Bank credit card from the list of cards

  • Click on ‘Continue’

  • Enter a HDFC credit card PIN and re-enter the same

  • Click on ‘Continue’

  • Validate with the OTP sent to you

  • Click on ‘Confirm’ to complete the HDFC Bank credit card PIN generation online process

2) New Credit Card PIN Generation via HDFC Bank ATM

  • Call on the HDFC credit card customer care number of your location to get the OTP required to complete the HDFC CC PIN generation through ATM

  • Visit the nearest HDFC Bank ATM

  • Insert your HDFC Bank credit card and select the preferred language

  • Click on ‘Create new ATM PIN using OTP’

  • Enter the mobile number registered with the account

  • Validate with the OTP sent on the same number

  • Enter a PIN for HDFC credit card and re-enter the same

  • Click on ‘Confirm’

How to Activate Card Post HDFC Bank Credit Card PIN Generation?

After you have set the HDFC credit card PIN online or offline, you need to activate your card. To do so, you can either opt to withdraw funds from the card through an ATM or use it for online shopping.

What is HDFC Chip + PIN Based Credit Card?

To ensure the safety of your HDFC Bank credit card, the bank offers two layers of protection. Along with the HDFC credit card PIN that you set, there is also an EMV chip that comes with the card. The combination of EMV Chip and PIN makes it less vulnerable to tampering and skimming frauds. It offers superior security and makes it extremely convenient to transact both domestically & internationally.

How to Use the PIN Post HDFC Credit Card PIN Generation?

The PIN you generate for your HDFC credit card is required to validate your transactions. When you swipe the card to pay for your purchases at a POS, the machine prompts you to enter your PIN. Only when you enter the correct four-digit PIN does the transaction get processed and you receive a confirmation receipt. For online purchases too, you need to authenticate in a similar way. However, you may opt to enter either your PIN, or the OTP sent to you, or your MasterCard Secure Code.

What is the HDFC Credit Card PIN Reset Process?

If you have forgotten the PIN for your HDFC credit card, you can generate it again. You can opt for HDFC credit card PIN generation online or offline, depending on your preference. Accordingly, you would need to follow the steps mentioned below-

1) HDFC Credit Card PIN Reset Online through Net Banking

  • Login to the HDFC Net Banking using your credentials

  • Under ‘Credit Cards’ click on ‘Credit Card PIN’

  • Choose your HDFC Bank credit card from the list of cards

  • Click on ‘Continue’

  • Enter the HDFC Credit Card PIN of your choice

  • Create HDFC Credit Card PIN and re-enter the same

  • Click on ‘Continue’

  • Validate with the OTP sent to you

  • Click on ‘Confirm’

2) HDFC Credit Card PIN Reset via ATM

  • Call on the HDFC credit card customer care number of your location to get the OTP required to complete the HDFC CC PIN generation through ATM

  • Visit the nearest HDFC Bank ATM

  • Insert your HDFC Bank credit card and select the preferred language

  • Click on ‘Create new ATM PIN using OTP’

  • Enter the mobile number registered with the account

  • Validate with the OTP sent on the same number

  • Create a PIN for HDFC credit card and re-enter the same

  • Click on ‘Confirm’

For assistance with setting your HDFC credit card PIN, you can call on the toll-free HDFC credit card IVR PIN regeneration number 18602660333.

How to Keep Your HDFC Credit Card PIN Safe?

To prevent misuse or fraudulent activity on your card, it is vital to keep your HDFC credit card PIN safe. Here is how to do so-

  • Check your monthly HDFC credit card statement for discrepancies

  • Have your HDFC Bank credit card swiped in your presence

  • Check the website’s safety and authenticity before using your HDFC Bank credit card for online transactions

  • Do not share your HDFC credit card PIN or other details with anyone

  • Do not save the details of your HDFC Bank credit card on merchant websites

  • Do not write down your HDFC credit card PIN anywhere

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Frequently Asked Questions

✔️Can I generate a PIN for my HDFC add-on credit card through net banking?

No. You cannot generate a PIN for your add-on card through the HDFC internet banking portal. This facility is restricted only to primary card holders. That said, there are other ways to set a PIN for your HDFC add-on card.

You can place a HDFC credit card PIN generation request on your internet banking portal and have a physical PIN delivered to you. Alternatively, you can also place an ATM PIN request from your net banking portal and set your own PIN by visiting an HDFC ATM. 

✔️Will the credit card PIN be the same for my credit HDFC add-on cards as well?

No. The PIN for your add-on card will be different from that of your primary card. The bank will send a separate letter containing the PIN for your add-on card to your registered address.

✔️How to reset my HDFC credit card PIN?

If you’ve forgotten the PIN number for your credit card, don’t worry. You can quickly perform a HDFC credit card pin change by simply logging into your internet banking account. The process that you would have to follow for HDFC credit card PIN generation is very simple. All that you need to do is log into your account, navigate to the ‘Cards’ section and click on the ‘Request’ option on the left-hand side. Click on ‘Instant PIN Generation’ and proceed to set your desired PIN for your credit card. 

✔️What should I do if I lose my credit card?

If you’ve lost your credit card, the first thing that you should do is call the HDFC Bank credit card customer care and block your card. This way, no one will be able to misuse your credit card. You can also block your card by logging into your HDFC Bank internet banking portal. 

✔️How to generate the ATM PIN for a HDFC credit card?

To generate an ATM PIN for your card, simply log into your netbanking account, navigate to the ‘Cards’ section and click on the ‘Request’ option on the left-hand side. Then, click on ‘Instant PIN Generation’ and proceed to set the desired PIN for your credit card.

✔️My HDFC Bank credit card PIN has been restricted after I entered it wrongly three times in a row. How do I change my PIN?

The HDFC credit card pin change process can be done by logging into your HDFC Bank internet banking portal. You can find the option to change your PIN under the ‘Request’ tab of the ‘Cards’ section.

✔️How can I get my HDFC Debit Card PIN by SMS?

You cannot get your HDFC debit card PIN by SMS. However, you can set the PIN by logging into your internet banking account, via the HDFC Bank mobile app, or via an HDFC ATM.