HDFC Credit Card PIN
A credit card PIN is a 4-digit personal identification number of the card user. When making a transaction online or at a merchant shop, the user has to enter the 4-digit PIN. As soon as the credit PIN is entered by the credit card owner, the system matches the user ID and the PIN before allowing the customer to make a transaction. The credit card PIN is basically a security measure and at no point should be shared with anyone, in other words, it should be non-confidential. The credit card PIN is the last step of a transaction. If the user ID of the customer and the credit card PIN match, the transaction is approved.
How to generate an HDFC credit card PIN
Customers can generate their HDFC credit card PIN either at an ATM or via their online net banking account.
Generating an HDFC credit card PIN at an ATM:
- Insert your HDFC credit card in the ATM machine and choose the language of your preference.
- Customers can get generate the credit card PIN only at an HDFC ATM.
- Click on “create PIN using OTP”
- As soon as you click on that, a One Time Password (OTP) will be sent to your registered mobile number.
- Enter the OTP.
- Now, type in a 4-digit PIN of your choice.
- Re-type the PIN and click on “Submit”.
- HDFC bank will then send you a message that your PIN has been generated. Contact the bank if you haven’t attempted to change your PIN.
Generating an HDFC credit card PIN via your net banking account:
- Login to your net banking account.
- Click on “credit card options”
- Click on “Change PIN”.
- The bank will then send you an OTP to your registered mobile number.
- Enter the OTP and click on “continue”.
- Enter the PIN of your choice.
- Re-enter the PIN and click on submit.
- The bank will then notify you that your PIN has been generated.
How to change your HDFC credit card PIN
Customers can change their HDFC credit card PIN either through their net banking account or at an ATM.
Changing an HDFC credit card PIN at an ATM:
- Insert your credit card in the HDFC ATM machine and choose the language of your preference.
- Enter your existing credit card PIN
- Click on “Change PIN”.
- As soon as you click on that, a One Time Password (OTP) will be sent to your registered mobile number.
- Enter the OTP.
- Now, type in the 4-digit PIN of your choice.
- Re-type the PIN and click on “Submit”.
- The bank will then send you a message that your PIN has been changed. Contact the bank if you haven’t attempted to change your PIN.
Changing your HDFC credit card PIN through your net banking account:
- Login to your HDFC net banking account.
- Click on “credit card options”
- Click on “Change PIN”.
- The bank will then send you an OTP to your registered mobile number.
- Enter the OTP and click on “continue”.
- Enter the PIN of your choice.
- Re-enter the PIN and click on submit.
- HDFC Bank will then notify you that your PIN has been changed. Contact the bank if you haven’t attempted to change your PIN.
Credit card PIN safety precautions
To ensure the safety and confidentiality of your credit card from fraudsters and hackers, follow the safety precautions mentioned below:
- Ensure that your credit card is swiped in your presence. This will prevent chances of skimming (duplicating the details of the card using a skimming device) or any fraudulent activity.
- Never share your credit card details through emails, SMS services, etc.
- Always ensure that the websites you are making online transactions are secure. Websites starting with “https” are generally authentic and secure.
- Never save your credit card details on any merchant websites.
- At no point should your write down your credit card PIN on your card or on a paper.
- Make sure you go through your credit card details every month to ensure that your money is not being misused or to check if there are any discrepancies.
