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As per RBI guidelines to encourage secure International transactions, it is mandatory to temporarily disable Online usage service on Credit Cards for customers who have been inactive for the service prior to 31st July, 2020 or have been issued a new card (fresh issue/re-issue/replacement/renewal/upgrade) post 5th February, 2021.

 

You can continue to use your Card at ATMs and for purchases at merchant outlets near you.

 

This is simply a precautionary measure to ensure a safe banking experience for you. You can easily re-enable Online usage with the below mentioned steps:

To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

  • Log in to HDFC Bank NetBanking using your Customer ID.
  • Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.
  • You will be able to view your existing daily domestic and international usage limits.
  • Enable or disable Online, Contactless, and International usage based on your preference.
  • Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.
  • Your selected card controls will be updated instantly.

To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

  • Open the HDFC Bank MobileBanking App and log in using your credentials.
  • Go to the ‘Cards’ section from the menu.
  • Select the HDFC Bank Credit Card for which you want to enable card controls.
  • Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.
  • Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

  • Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.
  • Log in using your registered mobile number and the OTP received.
  • For first-time users, enter the last four digits of your card.
  • On the card homepage, click the ‘Card Control’ tab.
  • Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.
  • Confirm your settings, and the changes will be applied instantly.

You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

  • Open the PayZapp app and log in using your credentials.
  • On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.
  • Log in using your registered mobile number and the OTP sent to your mobile.
  • If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.
  • On the card homepage, tap the ‘Card Control’ tab.
  • Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.
  • Confirm your settings. The updated card control settings will be applied instantly.

To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

  • Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.
  • Send the text "Credit Card" to this number.
  • You will receive a reply with options. Choose the option “Manage My Card”
  • You will receive a reply with options to select “Domestic / International/ Enhance limits”
  • Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.
  • Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.
  • Enter the last 4 digits of your Credit Card number.
  • The current status of the selected transaction type will be shown as Enabled.

To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

 

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Frequently Asked Questions

This feature allows you to easily switch on-off various transaction types on your HDFC Bank Credit Card across various channels - IVR, Net Banking and Whatsapp 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.

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 International
Domestic Merchant Outlet International Merchant Outlet
Domestic ATM Withdrawal International ATM Withdrawal
Domestic Online Transaction International Online Transaction
Domestic Contactless Transaction International Contactless Transaction

You have received this communication (Email/SMS) because online/contactless/international usage feature on your HDFC Bank Credit Card has been 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/ international usage prior to 31st July 2020 are to be disabled for online/ international usage, as a security measure. Similarly, all credit cards that have not been used for contactless usage prior to 25th January 2021 are to be disabled for contactless usage.
 

Also, all new cards or existing cards renewed or reissued or upgraded on or after 1st October 2020 would have their international usage service disabled. Similarly, all new cards or existing cards renewed or reissued or upgraded on or after 5th February 2021 would have their online and contactless usage service disabled.

  1. Online Usage Disabled

    You can continue to use your Card for purchases at stores near you & ATMs.

  2. 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.

  3. International Usage Disabled

    You can continue to use your Card at Domestic online sites, ATMs & for purchases at stores near you.

The feature will be enabled instantly.

This facility is free of cost.

You may enable/disable online/contactless/international usage feature as many times as you wish.

Please refer to the SMS/ Email communication from the Bank confirming online/contactless/international usage on your credit card is (already) disabled.

The transactions will be declined.  You must enable the transactions by using our Netbanking, WhatsApp Banking, EVA or IVR.

No. Currently you can enable / disable these services via Netbanking, WhatsApp Banking, EVA or IVR only.

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, EVA or IVR).

Customers who have got a new card or got their existing card renewed or reissued or upgraded on or after 5th February 2021 would have their Online usage service disabled. However, you can enable this immediately by using Netbanking, WhatsApp Banking, EVA or IVR.

Customers who have got a new card or got their existing card renewed or reissued or upgraded on or after 5th October 2020 would have their Contactless usage service disabled. However, you can enable this immediately by using Netbanking, WhatsApp Banking, EVA or IVR.

Customers who have got a new card or got their existing card renewed or reissued or upgraded on or after 5th October 2020 would have their International usage service disabled. However, you can enable this immediately by using Netbanking, WhatsApp Banking, EVA or IVR.

For customers who have applied for replacement on or after 5th February 2021, online/ contactless/ international usage service on their old card. However, you can enable this immediately by using Netbanking, WhatsApp Banking, EVA or IVR.

All existing limits (whether they are daily or billing cycle) would get converted into respective daily usage limits after 5th February 2021. 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 has 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.

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 after 5th February 2021.