Must Knows

HDFC credit card net banking: Registrations, benefits and features

[ecis2016.org] Unlock a wide range of facilities with HDFC credit card netbanking. 

Customers who have credit cards issued by HDFC Bank can access a wide range of online services, including access to account information such as the credit limit, cash limit, available balance, etc., as well as unbilled transactions, credit card statements, and a great deal more. 

How to register for HDFC credit card net banking?

The HDFC credit card net banking service is the most convenient option for customers who want to monitor the information linked to their own credit cards. To get access to this service, you will first need to complete the mandatory steps of a specific registration procedure, which are outlined below.

Existing HDFC customers with credit card 

Existing HDFC customers do not need to register a new online banking account for a credit card. With the HDFC online banking services, you can connect your HDFC credit card to your existing account by the procedure outlined below. 

 Login steps  

  • Log in to your online banking account using the issued customer ID and IPIN.
  • Choose the ‘Cards’ option from the main menu, and then hit the ‘Credit Cards’ button that appears under it.
  • You will see an option that reads “Register New Card” on the menu located to the left of your screen.
  • You will now be asked for the number of your credit card, your personal identification number (PIN), and the expiration date of your card. Please check that the numbers you entered are correct, and then proceed to click the “Submit” button.

After the validity of your information has been established, a message of confirmation will be shown on the screen. After you have completed this step, whenever you want to check your credit card net banking account in the future, all you will need to do to do so is log in to your net banking account, navigate to the “Cards” section, and then select “Credit Cards.” 

New HDFC customers

Those who have just obtained an HDFC credit card but do not have an active account with the issuing bank must register for the HDFC credit card net banking service. You can register online quickly by following the provided steps.

Login steps 

  • To begin, go to the bank’s online banking portal.
  • Click on the “Ways to Bank” option from the menu at the top of the screen. Click on “Bank Online” underneath this, then select “Credit card NetBanking” from the drop-down menu.
  • Simply clicking on the link labelled “Register for Credit Card NetBanking” will take you to the appropriate online registration page.
  • At this point, you will be prompted to pick a Login ID, provide your name, card number, card PIN, and card expiration date, as well as choose a password that will allow you to access your online account.
  • Click the button to submit the form as soon as all the information has been entered.
  • Your HDFC credit card application for a credit card account will be accepted by HDFC when the company verifies the information you provided.

 

Existing HDFC customers without net banking

If you are already a user of HDFC but do not have an online banking account, you will need to register to have access to the online banking platform. After this has been completed, you will be given the option to attach your credit card. Keep in mind that one may sign up for HDFC net banking by using the internet approach, or by going to any nearby HDFC branches or ATMs.

Key features and advantages of netbanking with an HDFC credit card

After registering for HDFC credit card net banking, you will have the ability to view information and control all elements of your credit card. The following is a list of some of the key features and advantages that come along with utilising the HDFC CC net banking facility:

  • Check out both the total and the available limit on your credit card.
  • Make sure you check both the cash limit and the cash balance on the card.
  • Every month, review both the transactions that have been invoiced and those that have not.
  • Check out the relevant dates for the card, such as the date of the most recent transaction and the date on which the payment is due.
  • You can see your accrued reward points and redeem them.
  • Manage a number of additional credit cards.
  • Check out the statement for your HDFC credit card account for the previous six months.
  • Make service requests for many account-related operations, including producing invoices.
  • Viewing your HDFC credit card PIN, blocking a credit card, applying for a loan, changing credit card bills into EMI are some examples of the services provided by HDFC.

How to make credit card payment using HDFC netbanking?

  • You can access your HDFC net banking profile by going to the login page, entering your credentials, and clicking the “Login” button.
  • Pick a credit card for which you want to make the payment from the list provided.
  • To pay with a credit card, use the “Credit Card Payment” option under “Transact.”
  • Check the amount still owed on the card, and then continue with the payment process by following the instructions.

Applying for HDFC credit card loan through net banking

Getting a loan against your HDFC credit card involves no paperwork or processing costs; the loan has already been pre-approved in most cases. To submit an online application for an HDFC credit card loan, consumers are required to first register for net banking. However, you can also check to see if you are qualified to get a loan on a registered card by following the procedures that are listed below, regardless of whether you have registered or not:

  • Ensure you have your User ID and Password handy, so you can log in to your HDFC Bank Internet Banking account.
  • Now, go to the “Credit Cards” section of the dashboard and look for the option connected to the credit card loan or EMI.
  • Last but not least, choose the Card, the Transaction, and the EMI tenure, and then click the submit button.

Increasing HDFC credit card limit via Net Banking

The credit score of the cardholder is one of the primary factors determining the amount of available credit on the card. You have the option of requesting an increase in your credit limit from the lender if you believe that the current amount does not adequately meet your requirements. You can also monitor your net banking account to see whether or not you are eligible for an increase in your credit limit. 

To determine whether or not you are qualified for a credit card upgrade, you will need to perform the procedures that are listed below:

  • To begin, ensure that you are logged into your HDFC net banking account.
  • Click the link labelled “Credit Card – Card Upgrade with Enhancement”, which should now appear on the homepage of your credit card.
  • After that, choose your HDFC card from the drop-down menu and click the “Continue” option.
  • A notice will pop-up on your screen indicating the acceptable credit limit if your card is qualified for an upgrade.
  • Once you have all the information, you will be able to check out the characteristics of the new credit card to see whether or not you are qualified for the same card and whether or not you may upgrade your card.
  • In the end, the creditor will decide whether or not to authorise your card, at which point it will be sent to the address you provided within seven to ten business days.
  • Once done, all of the awards, obligations, transactions etc., will be moved over to the new card. If there is merely an increase in the limit, then that limit will be extended for the same card.

Modify your HDFC credit card’s ATM PIN using Net Banking

The following procedures need to be followed to request for a new ATM PIN using an HDFC credit card via online banking:

  • To begin, you need to log in to your HDFC net banking account.
  • On your dashboard, you should now look for the option labelled Credit Card ATM PIN.
  • After that, choose “Credit Card” from the dropdown, and then click the button that says “Continue.”
  • In the end, a notice will display on your screen verifying that you have asked for a new PIN for your credit card, and the new PIN will be sent to the address registered with your account.

Modify your HDFC credit card net banking password

  • Go to the HDFC credit card login page.  
  • Now, on the page where you log in, enter your User/Customer ID and click on the link that says “Forgot IPIN Password.”
  • When you reach the next screen, enter your Customer ID and click the Go button.
  • The next step is to validate your email address or debit card information.
  • Now, submit the necessary information, and enter your new IPIN.

    [ecis2016.org] Read about HDFC Bank IFSC code 

FAQs 

Why was my HDFC Bank credit card online banking account suspended?

If the customer has requested an HDFC credit card and then lost or had his credit card stolen, the lender would deactivate his credit card net banking account. In addition, if the user repeatedly enters an incorrect PIN, their card may be disabled.

How can I reactivate my online banking account for my credit card?

The user can request that the lender reactivate the online banking account. The lender will provide a replacement credit card if the account has been banned owing to a significant security hazard. To reactivate the online banking account for a credit card, the customer must get a new PIN.

How can I deregister from the online banking service for my credit card?

Source: https://ecis2016.org/.
Copyright belongs to: ecis2016.org

Debora Berti

Università degli Studi di Firenze, IT

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