How to Generate HDFC Credit Card PIN? Easy Steps!

If you need to generate or re-issue your HDFC Bank Credit Card PIN, HDFC Bank offers several convenient methods, including online options through the MyCards portal or NetBanking, via IVR (phone banking), or by visiting an HDFC Bank ATM. The online methods are generally the fastest, allowing you to set a new PIN quickly and securely from home.

Generating Your HDFC Credit Card PIN via HDFC MyCards

The HDFC MyCards portal is a streamlined online platform designed for managing various credit card services, including PIN generation. This is often the quickest way to create a new PIN for your HDFC Credit Card.

1. Login to the HDFC MyCards portal at https://mycards.hdfcbank.com/.
2. Register your credit card using the last four digits of your card number.
3. Select the “Set PIN” option.
4. Enter your preferred four-digit PIN.
5. Re-enter the same four-digit PIN to confirm it.
6. Enter your card’s expiration date and click “Confirm”.

Generating Your HDFC Credit Card PIN via HDFC NetBanking

For existing HDFC NetBanking users, generating your credit card PIN online is a straightforward process accessible through your account. This method allows you to set your PIN from the convenience of your computer or mobile device.

1. Login to HDFC NetBanking with your User ID and IPIN.
2. Once logged in, click on the “Cards” tab at the top of the page.
3. On the left-hand menu, under the “Request” option, select “Instant PIN Generation”.
4. Choose your credit card number from the available drop-down menu.
5. Enter your desired four-digit PIN.
6. Re-enter the PIN to confirm and click “Continue”.
7. An OTP (One Time Password) will be sent to your registered mobile number; enter it to complete the request.
8. A successful completion message will appear on the screen, indicating your new HDFC Bank credit card PIN has been updated.

Generating Your HDFC Credit Card PIN via IVR (PhoneBanking)

If you prefer a phone-based method or don’t have immediate access to online services, HDFC’s Interactive Voice Response (IVR) system allows you to generate a PIN using your registered mobile number.

1. Call the IVR Toll number 1860 266 0333 from your mobile number that is registered with HDFC Bank.
2. Enter the last four digits of your credit card followed by a hash (#).
3. Dial 1 to generate your credit card PIN.
4. When prompted to “Generate a One Time Password” (OTP), dial 1 again to receive an SMS with a 6-digit OTP on your registered mobile.
5. Type in the 6-digit OTP.
6. Upon successful OTP validation, the IVR system will confirm and then ask you to set your new four-digit PIN, followed by the hash (#) key.

Generating Your HDFC Credit Card PIN at an HDFC ATM

You can also generate your PIN by visiting any nearby HDFC Bank ATM. This method typically involves an initial call to receive an OTP, which you then use at the ATM.

1. First, call the IVR (Interactive Voice Response) number 1860 266 0333 to get an OTP (One Time Password) on your registered mobile number. This OTP is specifically for PIN generation at the ATM.
2. Visit any HDFC Bank ATM and insert your credit card.
3. On the language selection screen, choose your preferred language.
4. Select the option “Create new ATM PIN using OTP”.
5. Enter the OTP you received on your registered mobile number.
6. Enter your registered mobile number when prompted.
7. You will then be given the option to set your own four-digit PIN.
8. Enter your new PIN twice to confirm it, and the HDFC Bank credit card PIN will be updated.

Changing Your Existing HDFC Bank Credit Card PIN

Whether you’ve forgotten your current PIN or simply wish to update it for enhanced security, HDFC Bank provides several convenient methods to change your credit card PIN.

Change PIN via NetBanking

For a quick and secure way to change your PIN, NetBanking is a preferred option for many users.

1. Login to NetBanking by providing your Customer ID and IPIN.
2. Navigate to the “Credit Cards” section.
3. In the left-hand column under “Credit Cards,” click on “Request” and then “Credit Card ATM PIN”.
4. Select the specific credit card for which you want to change the PIN and click “Continue”.
5. Verify your registered mobile number, read the terms and conditions, and press “Confirm”.
6. Provide the OTP sent to your registered mobile number.
7. You will be prompted to enter your new four-digit PIN of choice.
8. Enter the new PIN again to confirm.

Change PIN via ATM

You can also change your credit card PIN by visiting an HDFC Bank ATM. This process typically involves obtaining an OTP first.

1. Call the Interactive Voice Response (IVR) PIN Regeneration toll number at 1860 266 0333 to receive an OTP on your registered mobile number.
2. Go to an HDFC Bank ATM and insert your credit card.
3. On the language selection screen, click on “Create new ATM PIN using OTP”.
4. Provide the OTP and your registered mobile number.
5. You will then be able to set your new four-digit PIN.

Change PIN via SMS

HDFC Bank also offers an SMS service for changing your credit card PIN, providing a quick solution directly from your mobile phone.

From your registered mobile number, send an SMS to 5676712 with the format: ‘CCPIN XXXX‘ (where XXXX represents the last four digits of your credit card number).

Essential Safety Tips for Your HDFC Credit Card PIN

Once you have generated or changed your HDFC credit card PIN, it is paramount to keep it safe to prevent unauthorized use and protect your financial security. Here are crucial tips to follow:

• Choose a strong PIN: Avoid using easily guessable numbers like your birth date, anniversary, phone number, or simple sequences such as 1111 or 1234. Opt for a unique combination.
• Keep it confidential: Never share your PIN with anyone, including family members, friends, or even bank representatives. HDFC Bank will never ask for your PIN over the phone, email, or SMS.
• Do not write it down: Avoid writing your PIN anywhere, especially not on the card itself, in your wallet, or storing it unprotected on your mobile device.
• Guard your entry: Always cover the keypad with your hand or body when entering your PIN at ATMs or Point-of-Sale (POS) terminals to prevent “shoulder surfing” or hidden cameras from capturing it.
• Change PIN regularly: Periodically changing your PIN adds an extra layer of security, making it harder for potential fraudsters to compromise your card.
• Use different PINs: If you have multiple credit cards, use a different PIN for each one. This prevents all your cards from being compromised if one PIN is discovered.
• Monitor transactions: Regularly check your credit card statements and transaction alerts for any suspicious or unauthorized activity. Report any discrepancies to the bank immediately.
• Beware of phishing attempts: Be vigilant against calls, emails, or messages that ask for your PIN or other sensitive card details. These are often fraudulent attempts to gain access to your account.

Successfully generating or changing your HDFC Bank credit card PIN is an important step in managing your card securely. By utilizing the convenient methods provided by HDFC and adhering to key safety precautions, you can protect your card from misuse and ensure peace of mind in your financial transactions.

Frequently Asked Questions

Can I generate my credit card PIN if my card is blocked?

No, you will first need to get your credit card unblocked before you can proceed with generating or changing the PIN.

Does my PIN remain the same for my add-on credit card?

No, each add-on credit card has its own separate PIN. Changing the primary card’s PIN does not affect the PINs of any add-on cards.

What if I received a new HDFC credit card due to expiry?

If you receive a new HDFC credit card because your previous one expired, you can generally continue to use your existing PIN. A new PIN is typically not required for renewed cards.

What should I do if my HDFC credit card is lost or stolen?

Your immediate priority should be to block the lost or stolen card to prevent any unauthorized transactions. You can do this by logging into your HDFC NetBanking portal, using the mobile app, or by calling HDFC Bank customer care.

Can I generate an add-on card PIN via NetBanking?

Yes, you can generate a PIN for an HDFC Bank add-on credit card through the NetBanking facility, similar to how you would for a primary card.