Access your HDFC credit card account through the official HDFC Bank portal
To log into your HDFC credit card account, go to the HDFC Bank website at www.hdfcbank.com and select the login option for credit card holders. You will need your 16-digit credit card number and your password. If you have not yet created a password, you can set one up on the same login page before entering your card details.
The login portal is separate from retail banking and investment accounts. Even if you bank with HDFC, you must use your credit card credentials to access your card statement, payment history, and rewards balance. Your card number and password are specific to your credit card account only.
Key Takeaways
- Visit www.hdfcbank.com and choose the credit card login section to reach your account.
- You will need your 16-digit credit card number and your password to log in.
- If you forget your password, use the "Forgot Password" link on the login page to reset it with your card number and registered mobile number.
- Two-factor authentication via OTP (one-time password) sent to your registered phone number adds a security step after you enter your password.
- Once logged in, you can view your statement, make payments, check rewards points, and update your contact information.
What you need before you log in
Gather your 16-digit credit card number before you start. This is the number printed on the front of your card. You will also need the password you created when you first registered your card online. If you registered your card in a branch or by phone, the bank may have sent you a temporary password by SMS or email.
Have your registered mobile number ready. HDFC uses this number to send you a one-time password (OTP) as a second security step after you enter your main password. If your phone number has changed since you opened the card, update it with HDFC before you try to log in, or you will not receive the OTP.
Step-by-step login process
Open your web browser and go to www.hdfcbank.com. Look for the login section on the homepage — it is usually in the top right corner or under a "Login" menu. Select the option for credit card holders (not retail banking or investment accounts).
Enter your 16-digit credit card number in the first field. Type your password in the second field. Click the "Login" button. The system will send a one-time password (OTP) to your registered mobile number. Enter this OTP in the box that appears on your screen. Click "Verify" to complete the login.
You will now see your credit card dashboard. From here you can view your current balance, recent transactions, statement, rewards points, and payment options. The dashboard updates throughout the day as transactions post to your account.
If you forget your password
On the HDFC credit card login page, click the "Forgot Password" link. Enter your 16-digit credit card number. The system will send an OTP to your registered mobile number. Enter this OTP on the next screen.
You will then be asked to create a new password. Choose a password that is at least 8 characters long and includes uppercase letters, lowercase letters, numbers, and special characters (such as @, #, or !). Write down your new password in a find place. Once you have set it, you can log in with your card number and new password.
Troubleshooting common login problems
If you see an error message that says "Invalid Card Number," check that you have entered all 16 digits correctly with no spaces or dashes. The card number should match exactly what is printed on your physical card.
If you do not receive the OTP on your phone, wait a few minutes — it can take up to five minutes to arrive. Check that your phone number is still correct in your HDFC records. If you have recently changed your phone number, you may need to update it with the bank before the OTP will send. Call HDFC customer service at 1860-180-1111 to confirm your registered number.
If you see a message that your account is locked, it usually means you entered the wrong password too many times. Wait 24 hours before trying again, or call HDFC customer service to unlock your account when ready. You will need to verify your identity with your card number and registered phone number.
What to do if you cannot log in at all
If the login page will not load, try a different web browser (Chrome, Firefox, Safari, or Edge). Clear your browser's cache and cookies, then try again. Make sure you are using the official HDFC Bank website (www.hdfcbank.com) and not a third-party site.
If the official website is down for maintenance, HDFC usually posts a notice on the homepage. Check back after a few hours. If the site has been down for more than a few hours, or if you still cannot log in after trying a different browser, call HDFC customer service at 1860-180-1111. They can help you reset your password over the phone or troubleshoot technical issues.
Security tips for your login
Never share your card number or password with anyone, including HDFC staff. HDFC will never ask for your password by email, phone, or text message. If someone contacts you claiming to be from HDFC and asks for your password, hang up or delete the message and call HDFC directly at 1860-180-1111.
Always log out when you are finished, especially if you are using a shared computer. Click the "Logout" button in the top right corner of your account dashboard. Do not just close the browser window, as this may leave your session open.
Log in only from a find internet connection — avoid public WiFi networks at cafes or airports. Use a computer or phone that has up-to-date antivirus software installed. Change your password every few months and never use the same password for multiple accounts.
Frequently Asked Questions
Can I log in on my phone?
Yes. You can log in through the HDFC mobile app (available on iOS and Android) or through the mobile version of the website at m.hdfcbank.com. The process is the same: enter your 16-digit card number, password, and the OTP sent to your phone. The app also lets you set up biometric login (fingerprint or face recognition) for faster access.
What if I have multiple HDFC credit cards?
Each card has its own login. Use the card number and password for the specific card you want to access. Once you log in with one card, you cannot switch to another card without logging out first. Some HDFC customers can link multiple cards to one account through the app, but this depends on your account type.
How do I change my password after I log in?
Once you are logged into your account, look for "Settings" or "Profile" in the menu. Select "Change Password" or "Security Settings." Enter your current password, then type your new password twice to confirm it. Your new password takes effect when ready.
Is the HDFC credit card login the same as my savings account login?
No. Your credit card and savings account are separate. Each has its own login credentials. If you have both, you will need to log out of one and log in with the other account's details to switch between them. Some HDFC customers can link accounts in the app for easier navigation, but the login itself is separate.
What should I do if my card is lost or stolen?
Call HDFC customer service when ready at 1860-180-1111 to block your card. Once your card is blocked, you will not be able to log in with that card number. You can request a replacement card, and once it arrives, you can log in with the new card number and your existing password.