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HDFC Credit Card Activation

How to Activate an HDFC Credit Card 2024

HDFC Bank is one of the leading banks in India that provides a wide range of financial products and services to its customers. One of the most popular products offered by HDFC Bank is its credit card. HDFC credit cards have many benefits and rewards that make them an excellent choice for those looking for a reliable and convenient way to purchase.

However, before you can start using your HDFC credit card, you need to activate it. In this blog post, we will guide you through activating your HDFC credit card step-by-step. So, let's get started.

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Table of Content

1. Via Usage

2. Via Enabling Transactions

2.1 To activate through MyCards:

3. Via Setting Credit Card PIN

4. Via OTP Confirmation

5. Via SmartPay Registration

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

Via Usage

For HDFC credit card activation, you need to use it for both online and offline transactions within 30 days of receiving it.
You should make at least one purchase online and in a physical store using your credit card.
Ensure the card is swiped at the Point of Sale (PoS) machine for offline transactions.

Via Enabling Transactions

To activate your HDFC credit card for online, contactless, and international transactions, you can use MyCards, Whatsapp banking, or Eva.

To activate through MyCards:

Navigate to the official website
Log in using OTP
Link your credit card
Select “Card Control”
Now, enable online, contactless, and international transactions.

To activate through Whatsapp banking, send the message “Manage My Credit Card” to 7070 0222 22 and follow the required steps.

To activate through Eva, you can send a message “Manage My Credit Card” to the personal assistant on the bank’s website and make a selection as per your requirement.

Via Setting Credit Card PIN

You can use three methods to set your HDFC credit card PIN: ATM, IVR, or net banking.

To set the PIN through an ATM, visit any HDFC Bank ATM and enter the green PIN received on your registered mobile number. Follow the instructions to select a four-digit PIN of your choice.

To set the PIN through IVR, call HDFC Credit Card customer care and follow the instructions from the interactive voice response system (IVR). You must provide your card number and validate through OTP to set your preferred PIN.

Log in to the net banking portal using your customer ID and password to set the PIN through net banking. Then, select the “Change PIN” option to set a new PIN for future transactions.

Via OTP Confirmation

An alternative way to activate your credit card offline is through OTP confirmation. By clicking on the provided link and entering your registered mobile number, you will receive an OTP to activate your HDFC credit card. It’s important to note that you should only use your registered mobile number to log in for this process.

Via SmartPay Registration

Another option to activate your HDFC credit card online is to use the SmartPay feature. This feature lets you add billers to your credit card and set standing instructions for automatic payments. With SmartPay, you can conveniently make automatic payments through your credit card for various transactions, including bill payments and recharge.

FAQ About HDFC Credit Card Activation

How do I activate my new credit card?

You can activate your new credit card through various methods such as online through the bank’s website, mobile app, offline through an ATM or by contacting customer care

How can I activate my HDFC credit card through IVR?

To activate your HDFC credit card through IVR, you can call the HDFC credit card customer care number and follow the instructions given by the interactive voice response system (IVR).

Is my credit card automatically activated?

No, your credit card is not automatically activated. You need to activate it through one of the methods provided by the bank.

How do I activate my card for the first time?

To activate your HDFC credit card for the first time, you can follow the instructions provided by the bank through their website, mobile app, or by contacting customer care.

Is it mandatory to activate an HDFC credit card?

Yes, activating your HDFC credit card before you can use it for any transactions is mandatory.

Can I activate my HDFC credit card by swiping it?

No, you cannot activate your HDFC credit card by swiping it. You need to activate it through one of the methods provided by the bank.