Who can use the Credit Cards NetBanking service?
All customers who have a valid HDFC Bank Credit Card and are registered for NetBanking can use the Credit Cards NetBanking service. Your card account should be live and in regular status for using this service.
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Is there any fee for this service?
No. This service is offered free.
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How can I register for this service?
The process for registering your Credit Card for NetBanking is easy.
- If you are an HDFC Bank Account Holder and have already registered for NetBanking
Step 1: Choose "NetBanking" button on the HDFC Bank home page and click on LOGIN.
Step 2: Click on "Continue"
Step 3: Once inside NetBanking, click on "Credit Cards" Tab
Step 4: Click on "Register New Card" link on the left side margin.
Step 5: Enter your Credit Card number, expiry date and the ATM PIN number and click on "Submit".
After this one-time registration you will be able to access your Credit Card account through your existing HDFC Bank account customer ID and IPIN.
- If you are an HDFC Bank Account Holder and have not registered for NetBanking
You have to first register for NetBanking service. The application form for the same is available at all HDFC Bank branches and also on our website. After you receive the IPIN (NetBanking password), please follow the steps mentioned above.
- If you hold a valid HDFC Bank Credit Card but are not an HDFC Bank Account Holder
Click
here and create your own Log in ID and password.
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I have a HDFC Bank Credit Card and a current/savings account with HDFC Bank. I have registered only for Credit Cards NetBanking. Will I be able to view my HDFC Bank account details also?
No. Your Credit Card account is separate from your current/savings account. If you have registered only for Credit Cards NetBanking, you will be able to view only your Credit Card account details online.
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What can I do using Credit Cards NetBanking?
Currently, you can use the following Credit Cards NetBanking features,
Enquiry
View Account Information
View Unbilled Transactions
View Statement
Requests
Autopay Register (Only for HDFC Bank account holders)
Autopay Deregister (Only for HDFC Bank account holders)
Statement on E-Mail
Update Contact Details
Register New Card
Deregister Card
Credit Card Payment (Only for HDFC Bank account holders)
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Why is my NetBanking password not functioning?
There could be various reasons for the password not functioning:
- The password is case-sensitive and may not have been entered in the same lower or upper case
- You have not used the NetBanking facility for more than 180 days (or 120 days if you have registered only for Cards)
- You have entered the wrong password five (5) times
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How do I change my password?
After you have logged in, you can change your password
using the "Change password" option on the top part of the screen.
You have to type the current password & the new password in the
respective entry boxes.
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I have changed my password but am unable to use my old or new password. What am I supposed to do?
This is possibly because:
1) You have not keyed in the new password correctly
OR
2) After Five unsuccessful attempts, access to NetBanking has been disabled for security reasons.
Your password will be enabled after 24 hours. If you are not able to login even after 24 hours, please go to the "Forgot password" option and choose a new password.
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What information can I view under account information?
The following details are displayed on the screen
- Total Credit limit
(This the total credit limit assigned to you at the time of
card setup)
- Available Credit limit
(This is the credit limit available to you as of today and
is exclusive of total outstanding amount - Billed and Unbilled)
- Available Cash limit
(This is the cash limit available to you as of today)
- Total billed amount
(This is the total amount billed on your last statement)
- Payment due date
(This is the payment due date for your last statement. Minimum
Payment has to be credited to your Card within this date to
avoid Late Payment Charges )
- Minimum Amount due
(This is the minimum amount due as per your last statement.The
balance outstanding after paying the Minimum Amount due will
be charged interest. )
- Total unbilled amount
(This is the sum of all retail transactions - both debit and
credit, done by you after the last statement date.)
- Total outstanding authorizations amount
(This is sum of all the retail transactions done by you but not appearing under Total unbilled amount and the non-retail transactions after the last statement date which are authorised by you and are yet to be billed to your account. It includes the Cash-on-Call principal amount, EMI amount, Cash withdrawal, and Balance Transfer amount which is outstanding on your card account.)
- Reward Points balance - Last Statement
(This shows the total rewards points you had accrued till
the last statement date)
- Rewards Points balance - Current
(This shows the total reward points you currently have in
your card account)
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How can I view my monthly card statement?
The following details are displayed on the screen
Step 1: Click on the "View Statement" link that appears on the left side margin of the screen.
Step 2: Select your card number and the period for which you want the statement.
Step 3: Click on "View"
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How can I see the details of transactions done on my card after my last statement date?
The following details are displayed on the screen
Step 1: Click on "View Unbilled Transactions" link on the left side margin.
Step 2: Select the Card Number and the type of transactions (Debit/Credit) you want to view.
Step 3: Click on "View".
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What is meant by unbilled transactions?
The transactions done on your card after the last statement date which will be included in your forthcoming billing statement, are called unbilled transactions.
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Can I make an interim payment for a month based on the online Account Information even before the statement generation date for that period?
Yes, you can make interim payments based on the Account Information.
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What is Autopay facility?
Autopay is a facility available to HDFC Bank account holders, which takes care of the payment of your Credit Card bills. If you register for Autopay facility, your Credit Card statement outstanding amount will be debited from your HDFC Bank account automatically on the payment due date every month. The payment will be credited in your Credit Card account on the next day.
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How can I register for Autopay?
Step 1: click on "Autopay register" on the left side margin.
Step 2: Select the card number which you want to register for Autopay facility and your HDFC Bank account number from which the payments will be done.
Step 3: If you want the full statement bill amount to be paid from your Bank account select "Total amount due" and if you want only the minimum amount due (5% of your total statement amount) to be paid every month from your Bank account select "Minimum amount due".
Step 4: Click on "Continue" and then on "Confirm".
A message will be displayed on the screen confirming the successful registration of your Credit Card for Autopay. Please Note that it takes 7 days to activate the Autopay facility for your credit card account. If your payment due date is 7 days away from the date of registration for Autopay, kindly pay your monthly bill this time by the usual mode as Autopay will be effective from the next billing cycle only.
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Can I deregister for Autopay for only 1 month and then re-register for it?
Yes, you can deregister for the Autopay facility for 1 month and then you can register for it again.
Step 1: Click on "Deregister Autopay" link on the left side margin.
Step 2: Select the card number which you want to deregister and click on "Continue" and "Confirm" respectively.
A message confirming the successful Autopay deregistration for your card will be displayed on the screen. Whenever you want to avail the facility again, you can follow the steps for Autopay registration mentioned above.
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How can I change my Credit Card ATM PIN?
Step 1: Click on "ATM PIN change" link provided on the left side margin.
Step 2: Select your card number from the drop down box and click on "Continue".
A message will appear on the screen confirming the successful submission of your ATM PIN change request.
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When will I receive my changed ATM PIN?
You will receive your new ATM PIN by post within 10 days from the request submission.
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How safe will my ATM PIN be?
Your ATM PIN is totally safe as no one (not even the bank staff) will have access to it except you
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Can I get my newly generated PIN online?
No, for security reasons, we send your ATM PIN only by post.
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What is statement on E-mail? How useful is this?
This is a service wherein your monthly Credit Card statement will be sent to your office/residence Email ID in PDF format once you register for this service. You will continue getting the physical statement also. This is very convenient and time saving for you. You need not wait for the physical statement and you can make your Credit Card bill payments basis this E-statement.
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How can I register for statement on E-mail?
Step 1: Click on "Statement on E-mail" on the left side margin.
Step 2: Select "Office" or "Residence" (wherever you want the E-statement to be sent).
Step 3: Accordingly your office/residence Email ID will be displayed in the next input box. Click on "Continue" and "Confirm".
A message will appear confirming your request for statement on E-mail. Please note down the reference number which appears above the confirmation message as it will be useful for any further communication with us.
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Can I change my contact details through NetBanking?
Yes, you can change your contact details through NetBanking. Having your latest contact details would help us to serve you more efficiently.
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How do I change my contact details through NetBanking?
Step 1: Click on "Update Contact Details" link on the left side margin.
Step 2: Select your card number and update your office/residence telephone number, office/residence Email ID or mobile number.
Step 3: Click on "Continue" and "Confirm".
The final status of your contact details will be displayed on the screen.
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How can I de-register for the Credit Cards NetBanking service?
Step 1: Click on "Deregister card".
Step 2: Select the card number and click on "Confirm" for discontinuing NetBanking facility for your Credit Card.
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How safe are my requests on NetBanking?
You can be assured of complete privacy when you use HDFC Bank's NetBanking facility. We have built several checks to safeguard your NetBanking requests. Before you gain access to your account, you will be asked to enter your unique Customer/Login ID and IPIN/password to verify your identity. To maximise the security and confidentiality of your requests, your password is not accessible to anyone, not even to bank employees. When you log-in to NetBanking, your last date and time of log-in will be displayed so that you can make sure that nobody has accessed your account after that time. In order to ensure complete security, please remember to completely log out of NetBanking after you have completed your transactions.
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Are there any special benefits to me for using NetBanking?
NetBanking saves your time and provides you the convenience of transacting from your home/office.
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What kind of hardware and software are recommended for using NetBanking more efficiently?
Hardware: You need to have a Pentium PC with 32 MB RAM, 2.1 GB Hard Disk Space with 500MB free space.
Software: You need to have a browser: Internet Explorer Version 5.5 or Netscape Navigator Version 4.7.
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What are the measures I can take to ensure greater security?
- You should log out completely from the NetBanking when leaving your PC.
- Change your password continuously, choose a 6 to 8 digit password (alphanumeric) and change it regularly; avoid obvious passwords (names of family members, pets, favourite musician etc), and don't reveal your passwords to anyone.
- You should not write the password down on any paper which may be easily accessible to anyone.
- Put in a power-on password in your computer so that nobody else can switch it on without your authorization.
- Have a screensaver password so that when you are away from your workstation nobody else can access it.
- If you think someone knows your password go online and change it immediately.
- If you are using the Internet in a public place (e.g. a Cyber Cafe) do not leave the PC unattended, and ensure that no-one is watching what you type.
- Logoff from NetBanking upon completion of your session. Use the Log Out button to Log out so that the session closes and don't shut the window to Log off. This will thus prevent the viewing of previous pages of your online session through your PC.
- You should consider running a Personal Firewall, which will prevent unauthorised persons from accessing your computer and guard against the introduction of malicious programs onto your PC.
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