How To Enable HDFC Credit Card For Online Transaction

HDFC Bank provides a variety of credit cards to its account holders to cater to their different banking needs for making payments on credit. You can smoothly avail yourself of the benefits of any of the credit cards as per your eligibility and requirements. However, if you want to use your credit card, you are essentially required to activate it either online or offline.

In this article, we will comprehensively and deeply discuss the detailed information on how to enable HDFC credit cards for online transaction. Simply stay tuned and keep reading this post with us to explore more profound details. So, we should quickly get started to dive deeper into the complete information ahead.

Steps to enable online transaction in HDFC Credit Card

Suppose you are having one or more active bank accounts with HDFC Bank. You have an HDFC credit card according to your requirements and eligibility. You want to activate the same in order to use it. But you don’t know how to activate it. Don’t worry. Some easy and quick steps will help you in this regard. Just follow these steps:

Step 1. Open the HDFC Bank Application on your mobile phone. Then, enter the 4-digit MPIN or Face ID and password to log in to it.

Step 2. Next, click on the Menu icon (three horizontal lines) at the top left corner of your next mobile screen. Next, click on the “Pay” option on the next screen under the “Home” section. Then click on the “Cards” option on the same interface.

Step 3. Next, go to the “Credit Cards” section on the next screen and click on the right-side arrow mark after the “outstanding amount” option.

Step 4. Next, go to the “outstanding amount” option on the next screen and click on the “Show More” option.

Step 5. If you are activating your credit card for the first time, then you should click on the “Change PIN” option on the next screen and follow the given steps to create a new PIN.  Next, you can upgrade your credit card by clicking on the “Upgrade” option here, according to your need and eligibility.

Next, go to the “Limits and Restrictions” option on the same interface and click on the “Customise” option.

Step 6. Next, go to the “Domestic” option on the next screen, and set the “ATM Withdrawal” option in the “ON” mode and the “Online” option in the “ON” mode as well. Here, you can increase or decrease your ATM withdrawal limit and Online spending limit according to your needs and eligibility.

Next, go to the “Merchant Outlet” option and set it to “ON” mode. Here, you can increase or decrease your spending limit for Point Of Sale (or POS) at different merchant outlets.

Next, if you have a contactless credit card, then you should go to the “Contactless” option on the same interface and set the “ON” mode to pay without a PIN up to a maximum limit of Rs. 5,000 per transaction. Here, you can increase or decrease your spending limit according to your needs and eligibility.

Please note:

• If you are on a foreign trip, then by default, your credit card will be deactivated for international use.
• All limits set in this process are daily transaction limits, and these should be in multiples of 1000.

Step 7. Next, go to the “International” option on the same interface after step 11 listed above, and click on the “Disabled” button to make it enabled. Here, you can increase or decrease your credit limit according to your needs and eligibility. Then click on the “Confirm” button.

After that, your HDFC Credit Card will be activated and ready to make domestic and international payments. That’s it. By following the above-described effortless process and straightforward steps, you can quickly learn how to enable online transaction in hdfc credit card.

The Bottom Line

As per RBI guidelines, HDFC credit card users are essentially required to activate their cards within 30 days of receiving them. Otherwise, a grace period of 7 days will be allowed to them, and as soon as the grace period ends, their card will be closed automatically after that.

In this article post, we have provided you with detailed critical information on how to enable an HDFC credit card for online transaction. Hopefully, after carefully reading this article, you will be quickly and easily able to activate your HDFC credit card yourself to make online domestic and international payments.