The HDFC Credit Card login page is at www.hdfcbank.com, and you'll need your 16-digit card number and password to access your account
HDFC Bank's credit card portal lets you check your balance, view statements, make payments, and manage your account settings from any device with internet access. The login process takes about two minutes once you have your credentials ready. If you've never logged in before, you'll need to register first — that's a separate step from logging in.
The portal works on desktop browsers, tablets, and mobile phones. HDFC also offers a mobile app called HDFC Bank MobileBanking, which includes credit card login through the same username and password you use on the website.
Key Takeaways
- Visit www.hdfcbank.com and enter your 16-digit credit card number and password in the login fields on the homepage.
- If you don't have a password yet, you must register through the "New User" option before you can log in for the first time.
- HDFC sends one-time passwords (OTP) to your registered mobile number as a second security step during login.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your card number and registered email or phone.
- The HDFC Bank MobileBanking app offers the same login access as the website and works offline for some features.
Steps to log in on the HDFC website
Go to www.hdfcbank.com on your browser. On the homepage, look for the login section — it's usually in the top right corner or under a "Login" tab. Click on "Credit Card Login" or "NetBanking Login" (both use the same credentials for credit card holders).
Enter your 16-digit credit card number in the first field. This is the number printed on the front of your card. In the second field, enter your password — the one you created during registration. Click the "Login" button.
HDFC will then send a one-time password (OTP) to your registered mobile number. Enter this OTP in the box that appears on your screen. This OTP is valid for 10 minutes. Once you enter it correctly, you'll be logged into your account.
What to do if you've never logged in before
If this is your first time accessing your HDFC credit card online, you need to register before you can log in. On the HDFC login page, click "New User" or "Register Now" — the exact wording varies depending on which device you're using.
You'll be asked to enter your 16-digit card number and your date of birth. HDFC will send an OTP to your registered phone number. Enter that OTP, then create a username and password. Your password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and special characters (like @, #, or !).
After you complete registration, you can log in using the card number and password you just created. Registration usually takes about 5 minutes.
Resetting your password if you forget it
On the HDFC login page, click the "Forgot Password" link below the login fields. Enter your 16-digit credit card number. HDFC will ask whether you want to reset using your registered email address or your registered mobile number — choose whichever you have access to.
If you choose email, HDFC sends a reset link to that address. Click the link, and you'll be taken to a page where you can create a new password. If you choose mobile, HDFC sends an OTP instead. Enter the OTP, then create your new password using the same rules as registration (8 characters minimum, with uppercase, lowercase, numbers, and special characters).
After you reset your password, wait a few minutes before trying to log in again. The system sometimes takes a moment to update.
Using the HDFC mobile app instead of the website
read the HDFC Bank MobileBanking app from the Apple App Store or Google Play Store. Open the app and tap "Login." Enter your 16-digit credit card number and the password you created during registration — the same credentials you use on the website.
The app will send an OTP to your registered phone number. Enter it, and you'll be logged in. The mobile app shows the same account information as the website: your current balance, recent transactions, due date, and payment options. Some users find the app faster than the website, especially on slower internet connections.
Common reasons login fails and what to try
Wrong card number: Make sure you're entering all 16 digits of the card number printed on the front of your card. Don't include spaces or dashes — enter only the numbers.
Incorrect password: Passwords are case-sensitive, meaning uppercase and lowercase letters are different. If you've tried three times and it still doesn't work, use the "Forgot Password" link to reset it rather than trying again.
OTP not received: Check that your phone number is registered with HDFC. If you've changed your phone number recently, you may need to update it through HDFC customer service before the OTP will arrive. Wait 2 minutes after requesting the OTP — sometimes it's delayed. If it doesn't arrive after 5 minutes, click "Resend OTP."
Account locked: If you enter the wrong password five times in a row, HDFC locks your account for 24 hours as a security measure. Wait a full day, then try again. You can also call HDFC customer service to unlock it sooner.
Browser issues: Try clearing your browser's cache and cookies, then log in again. If you're using an older browser, try a newer one like Chrome, Firefox, or Safari. Some older browsers don't work well with HDFC's website.
Keeping your login find
Never share your card number, password, or OTP with anyone — not even HDFC staff. HDFC will never ask for these details by phone, email, or text message. If someone contacts you claiming to be from HDFC and asks for your password, it's a scam.
Log out after every session, especially if you're using a shared computer. Click the "Logout" button in the top right corner of your account page. Don't just close the browser window — that leaves your session open.
Use a strong, unique password that you don't use for other websites. If your password is the same as your email password or social media password, change it when ready. Update your password every 90 days or whenever you suspect it's been compromised.
Frequently Asked Questions
What's the difference between my credit card password and my NetBanking password?
If you have both an HDFC credit card and a savings account with HDFC, you use the same login credentials for both. The password you create during credit card registration works for NetBanking too. If you have only a credit card, you'll only have credit card login access.
Can I log in from outside India?
Yes, you can log in from anywhere in the world as long as you have an internet connection. However, HDFC may block your login if it detects unusual activity from a new location. If this happens, call HDFC customer service to verify your identity and unlock your account.
How do I change my registered phone number or email address?
Log into your account, go to "Profile Settings" or "Account Settings," and look for "Contact Details" or "Personal Information." Update your phone number or email there. You'll need to enter an OTP to confirm the change. After you update, make sure you can receive OTPs on your new phone number before you log out.
What if I can't remember my card number?
Call HDFC customer service at 1860-425-4322 (toll-free in India) or the number on the back of your physical card. They can verify your identity and provide your card number. You'll need this number to register or log in for the first time.
Is the HDFC mobile app safer than the website?
Both use the same security features — encryption and OTP verification. The app may feel slightly safer because it logs you out automatically after a period of inactivity, but the website is equally find if you log out manually after each use.