FAQs on Enhanced Security Feature for HDFC Bank Credit Cards
What is this new feature all about?
This feature allows you to easily switch on-off various transaction types on your HDFC Bank Credit Card across various channels - Net Banking, Whatsapp and EVA with ease. It would also facilitate to modify daily transaction limits for both domestic and international for the following: -
1. Merchant Outlet – Spending limit for point of sale (POS) at physical stores
2. ATM Withdrawal – Cash withdrawal limit when using your credit card at an ATM
3. Online Transaction – Spending limit at websites and mobile applications
4. Contactless Transaction – Spending limit for Tap to Pay transactions
Not only does this feature give you more control on your HDFC Bank Credit Card like never before, this feature is also a way to increase security of credit card transactions.
What are the new controls being provided?
There are eight (8) new controls that have been provided. You can either switch them on-off or set daily usage limits for them.
Domestic Merchant Outlet
International Merchant Outlet
Domestic ATM Withdrawal
International ATM Withdrawal
Domestic Online Transaction
International Online Transaction
Domestic Contactless Transaction
International Contactless Transaction
Why have I received this communication (Email/SMS) on disablement of Online/Contactless/International usage feature on my HDFC Bank Credit Card?
You have received this communication (Email/SMS) because online/contactless/international usage feature on your HDFC Bank Credit Card has been disabled.
Why is my Online/Contactless/International usage feature disabled?
In line with RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, all credit cards that have not been used for online/ contactless/ international usage are to be disabled for respective usage service, as a security measure.
Also, all new cards or existing cards renewed or reissued or upgraded or replaced would have their online/ contactless/ international usage service disabled.
Can I still use my credit card?
Online Usage Disabled
You can continue to use your Card for purchases at stores near you & ATMs.
Contactless Usage Disabled
You can continue to use your Card at online stores, ATMs & for purchases at stores in contact (swipe/dip and pin) mode.
International Usage Disabled
You can continue to use your Card at Domestic online sites, ATMs & for purchases at stores near you.
How long does it take to enable Online/Contactless/International usage feature?
The feature will be enabled instantly.
What would be the charges for this facility?
This facility is free of cost.
How many times can I Enable/Disable Online/Contactless/International usage?
You may enable/disable online/contactless/international usage feature as many times as you wish.
Is my Online/Contactless/International usage already disabled? Or will it be disabled in future?
Please refer to the SMS/ Email communication from the Bank confirming online/contactless/international usage on your credit card is (already) disabled.
What if I try to do an Online/Contactless/International transaction after Bank has disabled these transactions?
The transactions will be declined. You must enable the transactions by using our Netbanking, WhatsApp Banking or EVA.
Can I enable my Online/Contactless/International usage through Mobile banking/or any other means?
No. Currently you can enable / disable these services via Netbanking, WhatsApp Banking or EVA only.
Can I enable my Online/Contactless/International usage by providing my consent over telephone/email/SMS?
No. As per RBI, request via Phonebanking or Email or SMS is not allowed. Customers need to enable or disable the online/contactless/international usage service themselves using the Bank’s digital platforms (NetBanking, Whatsapp Banking or EVA).
I recently got my new credit card – my new card is not working at Online sites; I am not able to do Contactless/Tap to Pay transactions; My new card is not working at International stores. What should I do?
Customers who have got a new card or got their existing card renewed or reissued or upgraded recently would have their Online/ Contactless/ International usage service disabled. However, you can enable this immediately by using Netbanking, WhatsApp Banking or EVA.
I lost my old card and applied for new card recently; the new card is yet to arrive. I am not able to do Online/Contactless/International transactions on my old card. What should I do?
For customers who have applied for replacement card, online/ contactless/ international usage service would get disabled on their old plastic along with the new plastic as both bear the same card number. However, you can enable this immediately by using Netbanking, WhatsApp Banking or EVA.
I had already set Net Limit/ Sub Limit/ International Limit on my existing credit card. How will the new controls look like?
All existing limits (whether they are daily or billing cycle) would get converted into respective daily usage limits. In case there are multiple limits set which are applicable to the same new control, the lower of the existing limits would get set. e.g. if the customer had set both Net Limit and International Limit on his card, for the International Online Daily Usage Limit, lower of the Net Limit and International Limit would get set.
I had already set my Sub Limit for my Add on credit card. How will the new controls affect me?
The Sub Limit for Add on credit card (whether it is daily or billing cycle) would get converted into daily usage limit for all transaction types for both domestic as well as international.