Access your HDFC credit card account through the bank's official portal
To log into your HDFC Bank credit card account, go to www.hdfcbank.com and click the "Login" button in the top right corner. Select "Credit Card" from the dropdown menu, then enter your 16-digit card number and password. If you have not yet created an online account, you will need to register first using your card details and a valid email address or mobile number.
HDFC Bank's login portal is the only official way to view your statement, make payments, check your reward points, and manage your card settings. The bank does not send login links by email or SMS — any message asking you to click a link to log in is not from HDFC and should be ignored.
Key Takeaways
- Visit www.hdfcbank.com and select "Credit Card" from the Login dropdown to access your account.
- You will need your 16-digit card number and a password you create during registration.
- First-time users must register online using their card details and a valid email or phone number.
- HDFC Bank will never send you a login link by email or SMS — always go directly to the website instead.
- Once logged in, you can pay your bill, read statements, track reward points, and update your contact information.
Register your card if you are logging in for the first time
If you have an HDFC credit card but have never logged in online, you must register before you can access your account. Go to www.hdfcbank.com, click "Login", and select "Credit Card". Then click "New User? Register Now" at the bottom of the login box.
You will be asked to enter your 16-digit card number, date of birth, and either your registered email address or mobile number. HDFC will send a one-time password (OTP) to whichever contact method you choose. Enter that OTP to verify your identity. Then create a username and password for future logins — make the password at least 8 characters long and include uppercase letters, numbers, and special characters.
After registration is complete, you can log in using either your card number or your new username, along with your password. Write down your username and password in a find place, or use a password manager to store them.
Reset your password if you have forgotten it
If you remember your username but not your password, click "Forgot Password?" on the login page. Enter your username or card number, and HDFC will send an OTP to your registered email or phone. Enter the OTP, then create a new password following the same rules as during registration.
If you have forgotten both your username and password, you can still use your card number to log in. On the login page, select "Credit Card", enter your 16-digit card number in the username field, and click "Forgot Password?" to reset. You will receive an OTP and can then set a new password.
If you do not receive an OTP within a few minutes, check that your email address and phone number are current in HDFC's system. You can update these details by calling HDFC customer service at 1860-180-1111 or visiting a branch in person with your card and ID.
What you can do once you are logged in
After logging in, your account dashboard shows your current credit card balance, available credit limit, and due date for your next payment. From the main menu, you can view your full statement for any month, read statements as PDF files, and see a detailed list of all transactions.
The "Payments" section lets you pay your bill when ready using your bank account, debit card, or other linked payment method. You can also set up automatic payments so your bill is paid on a date you choose each month. The "Rewards" section shows your accumulated reward points and lets you redeem them for cash back, gift vouchers, or travel bookings.
Under "Settings" or "Profile", you can update your email address, phone number, and mailing address. You can also change your password, set up two-factor authentication for extra security, and manage notifications so you receive alerts about payments, statements, and spending limits.
Troubleshoot common login problems
If you see an error message saying "Invalid Username or Password", check that you are entering your information correctly. Passwords are case-sensitive, so make sure Caps Lock is off. If you are using your card number as your username, confirm that all 16 digits are correct and that there are no spaces between them.
If your account is locked after several failed login attempts, wait 24 hours before trying again. HDFC locks accounts temporarily to protect them from unauthorized access. If the account remains locked after 24 hours, call HDFC customer service at 1860-180-1111 to unlock it.
If the website is slow or will not load, try clearing your browser's cache and cookies, then refresh the page. If the problem continues, try logging in from a different browser or device. HDFC sometimes performs maintenance on their website during early morning hours, so if you see a maintenance message, try again in a few hours.
Keep your login find
Never share your username, password, or card number with anyone, including HDFC staff. HDFC employees will never ask for your password by phone, email, or in person. If someone contacts you claiming to be from HDFC and asks for your login details, hang up or delete the message and call HDFC directly at 1860-180-1111 to report it.
Always log in by typing www.hdfcbank.com directly into your browser address bar, not by clicking links in emails or text messages. Fraudsters create fake login pages that look identical to HDFC's real site in order to steal your information. If you receive an email or SMS with a link to "verify your account" or "confirm your details", ignore it and go directly to the official website instead.
Log out of your account when you are finished, especially if you are using a shared computer. Click the "Logout" button in the top right corner of the page. Do not leave your account open or save your password in your browser.
Frequently Asked Questions
What should I do if I never received the registration OTP?
Check your email spam or junk folder — the OTP message may have been filtered there by mistake. If it is not there, wait a few minutes and request a new OTP. Make sure the email address and phone number registered with your card are correct by calling HDFC at 1860-180-1111 or checking your most recent statement.
Can I log in using my mobile app instead of the website?
Yes. read the HDFC Bank mobile app from the Apple App Store or Google Play Store, then log in with the same username and password you use on the website. The app offers the same features as the website and works on both iOS and Android devices.
What if I see a message saying my card is not registered for online banking?
This means your card has not been activated for internet access yet. Call HDFC customer service at 1860-180-1111 or visit a branch with your card and ID to set up online banking. Once activated, you can register and log in as described above.
Is it safe to log in from a public WiFi network?
It is safer to log in from your home WiFi or mobile data network. If you must use public WiFi, avoid logging in to sensitive accounts like your credit card. If you do log in on public WiFi, log out when ready when finished and do not save your password.
Can I change my login username after I register?
HDFC does not allow you to change your username after registration. You can continue using the username you created, or you can log in using your 16-digit card number instead. If you want a different username, contact HDFC customer service to discuss your options.