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Home » The First Step To Your Credit Card Journey: How to Generate Pin of HDFC Credit Card

The First Step To Your Credit Card Journey: How to Generate Pin of HDFC Credit Card

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Have you ever wished you had a Credit Card? It is practically the same as having a bag of “money” in your pocket if you can handle your expenses. HDFC credit cards are some of the best in India. Maybe you just want to replace your travel card. Or maybe you need a card that can cater to your special consumer needs, like EMIs or special protections for air ticket cancellation or cash advances. Whatever your specific situation, HDFC gives you the widest range of rewards, discounts, and exclusive offers to choose from.

Credit Cards have always been a part of our lives, but what makes it more interesting is the vast array of options available at your disposal. With the advent of the internet and smartphone technologies, applying, activating, and using credit cards has become so much more accessible than ever.

If you have recently received an HDFC credit card, Congratulations! Now that you possess the no-doubt coveted plastic, you might be wondering how to activate your new credit card and use it to make online and ATM transactions. Although it is possible that the bank sent you a physical credit card pin, you can generate one online instead by generating your own OTP, which will lead you to generate your own credit card pin. Here is the way that you can perform this action:

There are major two methods to generate HDFC Credit Card Pin

  • At an HDFC ATM

  • Through HDFC net banking

Let’s discuss each of these methods in detail:

How to Generate HDFC Credit Card Pin Through an ATM

Once you receive your HDFC credit card, please visit any nearest HDFC ATM with your credit card to generate the PIN. Before going to the ATM, make sure you have received an OTP (one-time password) on your mobile phone, as it is an essential part of the process.

If you haven’t received your OTP by this time, call HDFC’s credit card customer care and ask for the OTP so that you can generate a PIN for your card.

After receiving your OTP visit the ATM and follow the below-mentioned steps:

Step 1: Insert your HDFC credit card into the ATM machine. Choose your language of preference from the list of options.

Step 2: Click on the option that says ‘Create a new ATM PIN using OTP’.

Step 3: Enter the received OTP on your registered number

Step 4: Enter your mobile number on the next screen, and then tap “Next.”

Step 5: Now you can type any 4-digit PIN of your choice

Step 6: Type the PIN again for confirmation and click on “Submit”

When you finish setting up your PIN, you will receive a message on your registered number that the new credit card PIN is generated successfully.

How to Generate HDFC Credit Card Pin Online

If you’re an existing HDFC net banking user, you can generate a credit card PIN instantly through the same interface. If you don’t have an online account, you can register for HDFC credit card net banking using your new credit card.

Once you have an access to your online account you can easily generate the PIN following these steps:

Step 1: First of all, Login into your HDFC Netbanking account

Step 2: Click on the “ Cards” option from the drop-down

Step 3: Now click on the “Credit Card” option

Step 4: Click on the “ Request” button followed by the “ Instant PIN Generation” button.

Step 5: You will be provided with a drop-down, select your card and click on “ Continue”

Step 6: Enter a 4-digit PIN of your choice, then enter the same PIN again for confirmation and click ‘Continue’ to proceed.

Step 7: Confirm the received request for new PIN generation

Step 8: Fill in your contact number and click on “Continue” to receive the OTP

Step 9: Enter the OTP and click on “ Continue”

Once you are done, the screen will show a message saying that your new credit card PIN has been generated. Now you can use your credit card with no issue.


HDFC Credit Card activation process is quite simple. All you need to do is generate your card PIN from your dashboard on the official HDFC website, then use your credit card for online shopping or ATM withdrawal and verify the transaction by providing a secret 4 digit code which is one of the steps in the activation process.

If your card is lost or stolen, call HDFC customer care, tell them about the loss, and request that they block the card. This will prevent anyone from misusing your credit card.

No, your HDFC add-on cards will have separate PINs. You can expect to receive a physical PIN in your registered mail.

Yes, you can easily create your PIN online as well as offline mode.

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