How to Activate HDFC Credit Card First Time?

It is easy to apply for the HDFC Credit Cards and easier to obtain with a good credit score, income, and valid documents. But once you receive any credit card, you need to activate it irrespective of the bank. So, here you can see how to activate HDFC Credit Card first time. There are two ways to activate the HDFC Bank Credit Card. Either you can activate it through net banking or you can activate it through an HDFC ATM. The process of activating HDFC Credit Card is different in both methods. You must explore both the ways that will help you to activate and use the HDFC Credit Cards without any hassle.

Methods to Activate Credit Cards of HDFC Bank

You can activate and use your HDFC credit card by the following methods:-

Activate through Net Banking

You can follow the steps given below to activate the HDFC Credit Card using Net Banking:-

  • Open the official website of HDFC Bank and then open internet banking.
  • Make an HDFC Credit Card Login using your Customer ID and IPIN.
  • Now go to the credit card tab and then click on the Credit Card ATM PIN link in the Requests section.
  • Now choose the credit card for which you want to set and activate the PIN.
  • Then provide the PIN tick mark the “Yes” circle to confirm your mobile number.
  • Finally, click on the Blue Confirm button and your PIN will be set successfully, and your HDFC Credit Card gets activated.

Activate through ATM

Now, the second option to activate your HDFC Credit Card for the first time is through the ATM. In this method you will have to follow the steps given below:-

  • Make a call on the HDFC Phone Banking Number and choose the option to set a card credit PIN.
  • Then you will receive an OTP on your registered mobile number.
  • Now take your HDFC Credit Card and visit the nearest HDFC Bank ATM.
  • Insert the credit card in the ATM and choose the “Create new ATM PIN using OTP” option.
  • Then enter the OTP that you have recently received on your registered number.
  • Enter your mobile number and set your 4 digits PIN.
  • Once you have set the PIN, your HDFC Credit Card will get activated.
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Precautions to Take While Activating HDFC Bank Credit Card PIN

  • You must not share your Login ID, Password, PIN, and OTP with anyone.
  • Make sure you activate your HDFC Credit Card first time by yourself.
  • You must use your own device like a laptop or mobile to activate your HDFC Credit Card.
  • You must avoid sharing your HDFC Credit Card picture with anyone or on social media platforms.
  • Avoid writing your credit card details anywhere on a document or a paper.
  • Don’t share your credit card details via SMS or through a phone call.


Now you know how to activate HDFC Credit Card for the first time. Either you can use the HDFC Net Banking or HDFC ATM to activate your credit card. Once you start using your credit card you can see all the details of your transactions in the HDFC Credit Card Statement. On the other hand, HDFC Credit Cards have a lot of offers and discounts that will give you a nice shopping experience.

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