A Step-by-Step Guide to Activating Your HDFC Credit Card

how to activate hdfc credit card


Activating your HDFC credit card is a crucial step in unlocking its financial potential. With seamless activation methods and enhanced security measures, HDFC Bank ensures a hassle-free process for cardholders. This article provides a comprehensive, easy-to-follow guide on how to activate your HDFC credit card quickly and securely.

Understanding the Activation Process

Activating your HDFC credit card is essential to ensure its functionality. When you receive your credit card, it comes in a deactivated state for security reasons. The activation process ensures that you, as the rightful cardholder, take control of your card’s usage. HDFC Bank offers multiple activation methods to cater to your convenience, including online, through the bank’s mobile app, and via customer service.

Online Activation Method 

  • Visit HDFC Bank’s Official Website Access the HDFC Bank website through your preferred web browser.
  • Log In or Register If you’re an existing HDFC Bank customer, log in to your net banking account. New customers should register for net banking services.
  • Navigate to Credit Card Section After logging in, go to the credit card section and select the “Credit Card Requests” tab.
  • Choose Card Activation Choose the “Credit Card Activation” option. You might be prompted to enter your credit card details for verification.
  • Generate OTP An OTP (One-Time Password) will be sent to your registered mobile number. Enter the OTP to activate your card.

Mobile App Activation Method

  • Download HDFC Mobile Banking App Install the official HDFC Mobile Banking App from your device’s app store.
  • Log In or Register If you’re not already a mobile banking user, register by providing the necessary details.
  • Access Credit Card Services Once logged in, navigate to the credit card section within the app.
  • Choose Card Activation Select the option for “Credit Card Activation” and enter your card details when prompted.
  • Authenticate You might need to authenticate the request using an OTP sent to your registered mobile number.

Activation through Customer Service 

  • Contact Customer Care Dial HDFC Bank’s customer care number from your registered mobile number. Follow the interactive voice response (IVR) instructions to reach the credit card activation section.
  • Provide Card Details Enter your credit card number and other required details as requested.
  • OTP Verification An OTP will be sent to your registered mobile number. Provide the OTP to the customer care executive to complete the activation process.

Precautions and Tips

  • Secure Environment Always activate your credit card in a secure and private environment to protect your sensitive information.
  • Registered Mobile Number Ensure your mobile number is up-to-date and registered with the bank to receive the OTP.
  • Keep Documentation Keep a copy of the activation confirmation for your records.
  • Destroy Deactivation Sticker If your card has a deactivation sticker, remove and destroy it once activated.
  • eware of Scams Do not share OTPs or card details with anyone claiming to be from the bank.


How can I activate my HDFC credit card by calling?

1860 266 0333. Upon calling the IVR, you need to input your card number, validate it through OTP and set your preferred PIN. – Through NetBanking/MobileBanking​​​​​​​ – Login to your HDFC Bank NetBanking Account (or MobileBanking App) and locate the ‘Cards’ tab.

Can I activate my credit card without calling?

You can activate your credit card without calling by using the issuer’s website or mobile app, in most cases. It also may be possible to activate your card in person by visiting one of the issuer’s branches and speaking with a teller.


Activating your HDFC credit card is a straightforward process that empowers you to make the most of your financial opportunities. Whether you choose online activation, the mobile app, or customer service, HDFC Bank offers secure and user-friendly options for cardholders to easily activate their credit cards and embark on their financial journey.

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