Go to the HDFC Bank website and enter your login details
To access your HDFC Bank credit card account, go to www.hdfcbank.com and click the login button in the top right corner. You will see two fields: one for your Customer ID or Username, and one for your password. Enter both and click "Login".
Your Customer ID is an 8-digit number that appears on your credit card statement and welcome letter. If you do not have a Customer ID, you can use the email address or mobile number registered with your HDFC Bank account instead. Your password is the one you created when you first registered for online banking — not your credit card PIN.
If you have never logged in before, you will need to register first. Click "Register Now" on the login page and follow the steps to create your username and password using your credit card number and date of birth.
Key Takeaways
- Log in at www.hdfcbank.com using your 8-digit Customer ID or registered email address and your online banking password.
- Your password is separate from your credit card PIN and is created during your first registration for online banking.
- If you forget your password, use the "Forgot Password" link on the login page and verify your identity using your registered mobile number or email.
- Once logged in, your credit card details, statement, and payment options appear under the "Credit Cards" section of your account dashboard.
- Two-factor authentication via OTP (one-time password) sent to your phone or email adds a security step after you enter your password.
What to do if you forget your password
Click "Forgot Password" on the HDFC Bank login page. You will be asked to enter your Customer ID or registered email address. HDFC Bank will then send a one-time password (OTP) to your registered mobile number or email address — whichever you choose.
Enter that OTP on the next screen. You will then be able to create a new password. Make sure it is at least 8 characters long and includes uppercase letters, lowercase letters, numbers, and special characters. Once you set the new password, you can log in when ready.
Understanding two-factor authentication during login
After you enter your Customer ID and password correctly, HDFC Bank will send an OTP to your registered mobile number or email. This is a security step called two-factor authentication. You must enter this OTP within the time shown on the screen — usually 5 to 10 minutes — to complete your login.
If you do not receive the OTP, wait a few moments and check your spam or junk folder if using email. You can also request a new OTP by clicking the "Resend OTP" button. If you still do not receive it, contact HDFC Bank customer service at 1860-180-1111 (toll-free) or through the "Contact Us" section on their website.
Finding your credit card details after you log in
Once you are logged in, look for the "Credit Cards" section on your account dashboard. This is usually on the left side of the page or under a menu labeled "My Accounts". Click it to see all your HDFC Bank credit cards linked to this login.
From here you can view your current balance, available credit limit, recent transactions, and due date for your next payment. You can also read your statement as a PDF, set up automatic payments, or report a lost or stolen card. Each option is clearly labeled on the credit card details page.
How to make a payment after logging in
After you log in and navigate to your credit card, look for a "Pay Now" or "Make Payment" button. Click it to enter the amount you want to pay. You can pay your full balance, the minimum due, or any amount in between.
HDFC Bank will ask you to choose a payment method: from your linked savings or current account, through a debit card, or through a third-party bank transfer. Select your method and confirm the payment. Most payments process when ready, though transfers from other banks may take one business day.
Troubleshooting common login problems
If you see an error message saying "Invalid Customer ID or Password", check that you are using your Customer ID (8 digits) or registered email, not your credit card number. Also make sure Caps Lock is not on, since passwords are case-sensitive. If you are certain your details are correct, use the "Forgot Password" option to reset.
If the website is very slow or will not load, try clearing your browser's cache and cookies, then reload the page. You can also try a different web browser or device. If the problem continues, HDFC Bank's website may be undergoing maintenance — check their social media pages or call customer service to confirm.
If you see a message about your account being locked after several failed login attempts, wait 24 hours before trying again. This is a security measure. You can also contact HDFC Bank customer service to unlock your account sooner.
Keeping your login find
Never share your Customer ID, password, or OTP with anyone, including HDFC Bank staff. HDFC Bank will never ask for your password by email, phone, or text message. If someone contacts you claiming to be from the bank and asks for these details, hang up or delete the message and call HDFC Bank directly at 1860-180-1111.
Always log in through www.hdfcbank.com directly, not through a link in an email or text message. Check that the website address is correct before entering your details. After you finish, click "Logout" to end your session — do not just close the browser window.
Frequently Asked Questions
Can I log in using my credit card number instead of my Customer ID?
No, you cannot use your credit card number to log in. You must use your 8-digit Customer ID, or the email address or mobile number registered with your HDFC Bank account. Your Customer ID appears on your credit card statement and welcome letter.
What is the difference between my credit card PIN and my online banking password?
Your credit card PIN is a 4-digit code you use at ATMs and for phone transactions. Your online banking password is separate and is what you use to log into the website. They are not the same, and you cannot use one in place of the other.
How long does my login session stay active?
HDFC Bank logs you out automatically after 15 to 20 minutes of inactivity for security reasons. If your session expires, you will need to log in again. Always click "Logout" when you are finished to end your session when ready.
Can I log in on my phone, or do I need a computer?
You can log in on your phone using the HDFC Bank mobile app or through the website in your phone's browser. The app is available on both iOS and Android. The login process is the same: enter your Customer ID and password, then verify with the OTP sent to your phone.
What should I do if I think someone else has logged into my account?
Change your password when ready using the "Forgot Password" option. Then contact HDFC Bank customer service at 1860-180-1111 to report the unauthorized access. They can review your account activity and help you find it further if needed.