When you use a Chip+PIN Credit Card at a POS terminal, the POS machine will prompt you for your PIN to be entered. You are required to enter the Credit Card ATM PIN in the terminal and complete the transaction.

Step 1: The merchant inserts your card at a PIN-enabled POS terminal.

Step 2: He enters the transaction amount.

Step 3: The machine prompts for a PIN to be entered by you.

Step 4: You enter your Credit Card ATM PIN in the machine.

Step 5: On entering the correct PIN, the transaction is confirmed and completed.

Note: For terminals without PIN authentication support, your new Chip+PIN Credit Card shall continue to support the regular signature mode.

As per the recent RBI Mandate, all customers who have used their Credit Card at an international POS terminal will have to be re-carded with a Chip+PIN Credit Card.

A chip is a small microchip embedded in your Credit Card. It is encrypted so transactions are more secure on the card. The Chip+PIN Credit Card is a superior level of security on your card, in line with best global practice of security of transactions. A PIN is encrypted on the chip which is only known to the cardholder.

Chip+PIN Credit Card processes your data with unparalleled security and it is virtually impossible to copy or tamper with. It also protects your card against counterfeiting and skimming.

The Chip+PIN will provide additional security on your Credit Card via the PIN encrypted on the chip. The PIN will be known only to you, and you need to enter the PIN at a POS terminal and authenticate the transaction.

This is a directive from the RBI (Reserve Bank of India), and you are required to accept this card.

The Chip+PIN Credit Card needs to be dipped and not swiped. If you swipe the card, the POS machine will prompt for it to be dipped.

Your Chip+PIN Credit Card also has a magnetic stripe. In case the terminal does not have a DIP slot, the card can be swiped and the transaction can go through the regular signature mode.

In order to provide an additional level of security, your HDFC Bank Card is equipped with a Chip+PIN facility wherein you would be requested to provide your PIN to authenticate your transaction. Please enter your credit card ATM PIN when promoted for.

If the POS terminal (domestic or International) is enabled for PIN authentication, you will be asked for PIN. You will need to enter your credit card ATM PIN and complete the transaction.

This is because the POS terminal was not enabled to ask for a PIN. However, the transaction was secure since your card is a Chip+PIN card.

The CHIP card needs to be dipped and not swiped. If you swipe, the POS terminal will prompt for it dipped. Request the merchant to DIP the card. If the POS terminal is PIN enabled, you will have to enter the PIN to complete the transaction.

You will be given 3 attempts to enter the correct PIN, post which your transaction will get declined. If you have forgotten your PIN, please request for a duplicate ATM PIN for your card.

If you remember the PIN you can use your Credit Card at the POS machine. Please request the merchant to remove the card and dip again.

Yes. The system will be able recognise that the entry is coming from ATM and not POS. The customer will be allowed to make 3 more attempts via ATM.

The Chip+PIN Credit Card will reach you in activated status. You can start using the card once you receive the PIN.

No, the card and PIN will be sent to you separately.

No, the pricing will be applicable as your old card.

No, you cannot. When the POS terminal is prompting you for a PIN, you have to enter to complete the transaction.

Yes, your add-on cardholders will also receive Chip+PIN Credit Cards.

Yes, the add-on card will have a different PIN.

No, they need to enter only their PIN. The transaction will get declined if they use an incorrect PIN.

No, for online/E-com transactions there are no changes to the existing process. You will not be asked for PIN.

For online transactions you will go through the Verfied by VISA/Mastercard Secure code channel. This itself is an additional authentication for your transactions.

Your old card will be active for 60 days from the date of set-up of new card.

Yes, you can. However, we suggest you start using the new card on its receipt.

No, you will not be asked for PIN. The transaction will go through the regular signature mode as you do today.

No, you need to only use the credit card ATM PIN.

You can request for duplicate PIN by either calling the customer service team or through NetBanking.

The PIN will reach you within 7-10 working days.

There is no additional fee required to have Chip+PIN Credit Card.

Yes, the card number will change.

Yes, the Reward Points will be converted to your new card.

The COC/DAE will be converted to the new card.

No, the pricing will be applicable as per your old card.

Yes. Your new card will be auto registered for NetBanking if your old card was registered. Smart Pay registrations will also be moved to your new card.

If you remember the PIN you can use your credit card at the POS machine. Please request the merchant to remove the card and dip again.