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- Credit Cards Online
Access your HDFC Bank Credit Card account online using NetBanking and view all your account information quickly and easily. Manage your Credit Card transactions, pay your Credit Card bills and track your reward points, which you can redeem for some great offers.
Managing your Credit Card doesn’t get much easier than this!
What are the benefits of Online Credit Card access?
Listed below are the online features you enjoy with your Credit Card:
View :
- Account Information
- Unbilled Transactions
- Credit Card Statements (up to last 6 months)
Request for:
- Credit Card Payments
- Autopay Registration
- Autopay De-registration
- Registration of New Card
- De-registration of Card
- Statement on E-mail
- Credit Card ATM Pin
What does my account information show me?
Your account information shows you:
- Your total cash and credit limits
- Your billed and unbilled transactions
- Your payment due date
- The reward points you have earned on your card
This helps you monitor your Credit Card transactions and know when your Credit Card bills are due for payment. You can see your reward points and enjoy the benefits they offer.
Get Started?
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How to register for Credit Cards online?
Step 1:
Register Now to get online access to your credit card. This service is free of charge. You will have complete privacy when you access your credit card online.
Step 2:
Log on to NetBanking, go to your Credit Card tab and click register new card, to register your card.
Hotlist your Credit Card Online
When your credit card is lost or stolen, you can block your card and place a request to re-issue the credit card using the HotlistingTo Hotlist your Debit or Credit Card you have to inform the bank that your Credit or Debit Card has been stolen, so the bank can cancel your card and no one else can use it. facility under the credit card Netbanking page.
On blocking the card, the credit limit on the card becomes zero and there can be no transactions made using the credit card.
How do I block the card?
- Login into your Netbanking account and choose the HotlistingTo Hotlist your Debit or Credit Card you have to inform the bank that your Credit or Debit Card has been stolen, so the bank can cancel your card and no one else can use it. option under the credit card tab.
- Choose the card to be blocked from the drop down mentioning the reason (Lost or Stolen).
- Also choose if you would like to apply for the card to be re-issued (Yes or No) and submit.
Can I block the card now and opt for it to be re-issued at a later date?
No, you cannot. You can only either choose Yes or No for re-issue. If you would want the card to be re-issued on a later date, choose No now and call the HDFC Bank Customer Service number and place a request for re-issue of card.
Will I be charged for this?
Yes, you will be charged Rs 100 as a fee for this service.
In how many days will my card be re-issued?
Your credit card will be re-issued within 10-15 working days.
Can I use this HotlistingTo Hotlist your Debit or Credit Card you have to inform the bank that your Credit or Debit Card has been stolen, so the bank can cancel your card and no one else can use it. service if my card is damaged or destroyed?
No, you will have to call the HDFC Bank Customer Service number and place a request if your card is damaged or destroyed.
Cash on Call / Dial an EMI
Cash on Call - is a facility where you can avail Cash Loan within the eligible credit limit on your credit card
Dial an EMI - is a facility that allows you to convert your credit card purchases into EMI's at attractive Interest rates.
What is Cash on Call?
Cash on Call is a facility where you can avail a Cash Loan within the eligible credit limit on your credit card.
Is this facility available for all customers?
No. This facility is available only for select customers who are eligible as per the bank policy.
How do I apply for Cash on Call facility?
You can apply online from your NetBanking account or call up your PhoneBanking helpline number.
How do I apply online for Cash on Call?
- Log in into your Netbanking account, click on ‘Credit Card’ tab and choose ‘Cash on Call from the options provided on the left hand side
- Choose the card and click on ‘Continue’
- Enter the required loan amount, tenure and confirm.
What are the documents required to avail this facility through the online channel?
No documents are required. It is a completely online process.
What is the maximum loan amount offered?
Loan amount offered is from Rs.10,000 to Rs.3,00,000, subject to available balance on the credit card.
What is the interest rate at which EMI is calculated?
The interest rate varies depending upon the repayment tenure that you choose. Please log in to your NetBanking account for more details.
By when and how will I get the loan credited to my savings account?
The loan amount will get disbursed to your savings account within 48 hours.
Can I get the loan amount disbursed to me in the form of a DD?
Yes. You will have to call PhoneBanking helpline and apply. If you apply though the online channel, the loan amount will only be disbursed through direct credit to your savings account.
Are there any fees for this facility?
Yes, one time limited flat processing fee offer (per loan) of Rs 500 plus service tax @ 12.36%, if applied through NetBanking or 2% on the loan amount, subject to a minimum of Rs.500 and maximum of Rs 2000, plus service tax if processed through other channels.
How can I pay back my loan amount?
Loan EMI amount gets billed to the card account on a monthly basis and part of the Minimum Amount Due which is to be paid monthly.
What is ‘Dial an EMI’?
‘Dial an EMI’ is a facility where you can convert your purchases on your credit card into EMIs at attractive interest rates.
What is the maximum EMI tenure?
Tenure options available are from 6 months to a maximum of 36 months. E.g., 6/12/24/36
Can I convert all my purchases into an EMI?
No. The minimum value of purchase needs to be Rs 5000 or above to be eligible for the ‘Dial an EMI’ facility
Can I pre-close the loan within my loan tenure?
Yes the loan can be pre-closed with a pre closing charges of 3% on the outstanding principal at the time of closer.
How do I apply online for Dial an EMI?
- Log in into your NetBanking account, click on Credit Card tab and choose ‘Dial an EMI’ from the options provided on the left hand side
- Choose the card and click on ‘Continue’
- Select the transaction for ‘Dial an EMI’ option and confirm
Is the facility available for all customers?
No. This facility is available only for select customers who are eligible as per the bank policy.
How do I apply for Dial an EMI facility?
You need to apply for this online from your Netbanking account or call up your Phone Banking helpline number
Are there any fees for this facility?
Yes, one time limited flat processing fee offer (per loan) of Rs 250 plus service tax @ 12.36%, if applied through NetBanking or 2% on the loan amount, subject to a minimum of Rs.250 and maximum of Rs 1750, plus service tax if processed through other channels.
By when will the purchases converted into EMI option?
Your purchases will get converted with in 24 hrs post your acceptance and the same would reflect in your immediate billing cycle.
Limit Enhancement & Card Upgrade with Limit Enhancement
Increasing credit limit on the existing HDFC Bank Credit Card is called Limit Enhancement
When your existing credit card is eligible for an increase in credit limit and as a result you are entitled for another credit card product, it is termed as Card upgrade with Limit Enhancement.
What is Limit Enhancement?
Increasing the credit limit on an existing HDFC Bank Credit Card is called Limit Enhancement.
How do I know that I am eligible for Limit Enhancement and how do I apply for it?
- Login into your NetBanking account, click on the ‘Credit Card’ tab and choose ‘Credit Limit Enhancement’ from the options provided on the left hand side
- Choose the card and click on ‘Continue’
- Choose a limit from the list, as per your card
How much time would it take for the new limit to reflect on my credit card?
It happens instantly when you place a request.
Can I increase a limit to any figure or what is the upper cap limit?
The upper cap limit is set by HDFC Bank and you can increase your limit to any figure less than or equal to your upper cap limit.
I have an Add-on card; can I increase the limit for the Add-on card?
No, this facility is only available for Primary card.
What do I do when I get a message that I am not eligible for limit enhancement?
Please call up customer service for details.
Will the get a new card once the limit enhanced?
No, you will not get a new card.
What is Card Upgrade with Limit Enhancement?
When your existing credit card is eligible for an increase in credit limit and as a result you are entitled to another credit card product, it is termed as Card upgrade with Limit Enhancement.
How do I know that I am eligible for Card Upgrade with Limit Enhancement and how do I apply for it?
- Login into your NetBanking account, click on the ‘Credit Card’ tab and choose ‘Card Upgrade with Enhancement’ from the options provided on the left hand side.
- Choose the card to be upgraded and click ‘Continue’
- Choose the card you want to upgrade to and click ‘Continue’
I get a message that I am not eligible for Card Upgrade. What do I do?
Please call up customer service for details.
When will I receive my upgraded card?
The new upgraded card will reach you in 10 working days to the address registered in our Credit Card records.
Will the upgrade card carry the same card number?
No. On Upgrade, because of change in the product, a new card number is generated. Hence the upgraded card will have a different card number.
I have changed my address and want the card to be delivered to my new address, what do I do?
Please call customer service and correct the address in our records and then apply for the upgrade.
Since the upgraded card will have new card number, should I register afresh with HDFC Bank NetBanking, Verified by Visa/ MasterCard Secure Code for online transactions?
No, your new card will be auto-linked for NetBanking and Verified by Visa/ MasterCard Secure Code.
Will my Standing Instructions get automatically transferred to the new upgraded card?
No, you will have to intimate the change to all service providers.
What will happen to the transactions and payment details of the old card?
All these details are shifted to the new card.
Can we view the old card statements online?
Yes. The last 6 statements can be viewed irrespective of the upgrade.
Will the Auto Pay facility get transferred to the new card automatically?
Yes, the Auto Pay facility will get transferred to the new card automatically.
Have questions?
If I have an HDFC Bank Credit Card and a Current or Savings account with HDFC and have only registered for the Online Credit Card facility through NetBanking will I be able to view my HDFC Bank account details as well?
Your Credit Card account is separate from your Current/Savings account. If you have only registered for the Online Credit Card facility through NetBanking then you will only be able to view your Credit Card account details online.
How can I register for statement on E-mail?
To register for statement on e-mail you have to:
Step 1: Click on the "Statement on E-mail" link on the left side margin.
Step 2: Select "Office" or "Residence" (This ensures your email statement is sent to either your office or personal email address).
Step 3: Accordingly your office or 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.
How can I register for Autopay?
To register for Autopay:
Step 1: Click on the "Autopay register" link on the left side margin.
Step 2: Select the Credit Card number that you want to register for the Autopay facility and your HDFC Bank account number from which you want your Credit Card payments to be made.
Step 3: If you want the full amount of your statement to be paid from your bank account select the "Total amount due" link, and if you want only the minimum amount due (5% of total amount) to be paid, 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, or less, away from the date of registration for Autopay kindly pay your monthly bill through your usual payment mode as Autopay will only be effective from the next billing cycle.
How can I change my Credit Card ATM PIN?
To change your Credit Card ATM PIN you have to:
Step 1: Click on the "ATM PIN Change" link on the left side margin.
Step 2: Select your Credit Card number from the drop down box and click on the "Continue" link.
A message will appear on the screen confirming the successful submission of your ATM PIN change request.
How can I view my monthly card statement?
To view your monthly Credit Card statement you have to:
Step 1: Click on the "View Statement" link that appears on the left side margin of the screen.
Step 2: Select your Credit Card number and the period for which you want the statement.
Step 3: Click on the "View" link
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