HDFC Credit Card PIN Generation

HDFC credit cardscome with the dual protection of an EMV chip and the PIN. Not only has this ensured complete safety of the card while being used but also provides much more convenience for cardholders.

The chip & PIN-based credit card provides superior security for all domestic & international transactions and meets global best practices on the security of credit card transactions. The chip & PIN-based HDFC credit card is much less vulnerable to any skimming fraud and almost impossible to tamper with.

• Whenever a cardholder uses his HDFC credit card at a Point of Sale, the POS machine prompts for the PIN to be entered
• The cardholder has to enter the four-digit PIN in the POS machine & complete the transaction
• In case of online transactions using the HDFC credit card, the cardholder can select the option of completing the transaction either using PIN or OTP or the MasterCard Secure Code.

AT POS Terminals

• The vendor has to insert the credit card at the PIN-enabled POS terminal
• The cardholder has to first verify the transaction amount entered
• Once the credit card PIN is entered, a confirmation receipt is generated and the transaction is completed
• In case the terminal supports PayWave or PayPass feature, the cardholder can carry out transactions up to Rs. 2000 without even entering the PIN. He simply has to bring his card in close vicinity of the POS and the payment is done automatically

A cardholder can generate his HDFC credit card PIN through a number of ways such as –

• Through ATM
• Netbanking

How to Generate HDFC Credit Card PIN through ATM

Follow the steps given below for HDFC credit card PIN generation through ATM:

• To generate the PIN for HDFC credit card, call on the phone banking number to get the One Time Password on the registered mobile number
• Now visit any nearby HDFC ATM and insert the credit card
• After choosing the language, select the option ” Create new ATM PIN using OTP “
• Enter their registered mobile number
• Now enter the OTP received on the registered mobile number
• The option to set the 4 digit  PIN for HDFC credit card will appear
• After entering the new PIN twice, the HDFC Bank credit card PIN gets updated

How to Generate HDFC Credit Card PIN through Netbanking

Customers who have registered for HDFC netbanking facility may login to the netbanking account using the Customer ID & IPIN to generate or reset HDFC credit card PIN:

• Select the “Credit Cards” option
• Select the option of “Credit Card PIN“
• Now select the credit card from the available drop-down options
• Enter the new PIN twice and submit the request
• An OTP will now be sent to the registered mobile number
• Enter the OTP and submit the request
• A successful completion message will show on the screen and the new HDFC Bank credit card PIN will be updated

Customers of HDFC Bank credit card can change their PIN very easily. There are two ways via which you can change via Net-banking or visiting the nearest ATM.

How to Change ATM PIN for HDFC credit card through Net Banking

To change the credit card PIN via net banking follow the below given steps:

• Login to Net Banking by providing Customer ID and IPIN
• Go to the Credit Cards section
• In the left hand column under Credit Cards click on ‘Request’ and then ‘Credit Card ATM PIN’
• Select the credit card and then continue
• Verify your mobile number read the terms and conditions and press confirm
• Provide the OTP
• A Green PIN will be sent to the registered mobile number
• Visit the nearest HDFC Bank ATM and select ‘To create new ATM PIN’
• On being prompted enter Primary card’s registered mobile number and enter the new ATM PIN of choice

How to Change ATM PIN for HDFC credit card through ATM

You can change the credit card PIN via ATM visit also. The steps are:

• Call on Interactive Voice Response (IVR) Pin Regeneration toll number at 18602660333
• An OTP will be sent to the registered mobile number
• Go to a HDFC Bank ATM and insert the credit card
• On the language selection screen click on ‘Create new ATM PIN using OTP’
• Provide the OTP and registered Mobile Number
• Set the new four-digit PIN

• Choose a PIN which is easy to remember but difficult to guess
• PIN such as birth date or wedding anniversary or any other number which one can guess should be avoided
• The PIN should never be of particular sequence such as four times zero or four times one as such patterns make an easy probability for the hacker to guess
• Keep different PIN for different cards – One should never keep the same PIN for different credit cards as keeping the same PIN may lead to the misuse of the other cards as well
• Keep changing your PIN at regular intervals – This would ensure better security and will avoid any skimming theft for your credit cards so that it will be much harder for the PINs to be cracked
• Never Write or Store PIN in mobile – In case of loss of your mobile, the credit card can be misused very easily as well
• Never share the HDFC Bank credit card PIN. At no point, the bank or its representative will ask for the credit card PIN to be shared in lieu of any of the service being offered. In case of any dubious call asking for your credit card PIN, immediately report it to relevant authorities
• In case of loss of card – One should contact the bank immediately in case the card is lost or stolen and immediately block the card preventing the same from any misuse
• If you feel that your credit card pin has been compromised, immediately inform the bank and change the same immediately
• Keep a watch on credit card statement – This would ensure that no suspicious or unauthorized transaction takes place using the card. In case of any such transactions, one can reach the bank and raise the dispute.

Suggested Read: What to Do When Your Credit Card is Lost or Stolen?

How to generate HDFC credit card PIN?
The process of HDFC credit card PIN generation is very easy. You can generate credit card PIN easily via net banking or visiting an HDFC ATM. Detailed steps are given above.

How to change HDFC credit card PIN?
Changing credit card PIN can be done quite easily. You have to log into your HDFC Bank net banking account and head over to the cards section. Once there click on ‘Create new ATM PIN using OTP’ under ‘Requests’ on the left hand side of the screen.

How to reset HDFC credit card PIN?
If for any reason you want to reset HDFC credit card PIN you can follow the same steps that are given above to change the credit card PIN. You can reset the credit card PIN by visiting the nearest HDFC Bank or via HDFC Net banking.

What should I do if I lose my credit card?
Call on HDFC Bank customer care number to block the lost card. City wise customer care number can be found here.

Would changing the primary credit card’s PIN affect the PINs of add-on cards as well?
No, your add-on cards PIN will remain unaffected. You will have to change the add-on card’s PIN separately.