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How to Activate HDFC Debit Card/ATM Card

Home Debit Card How to Activate HDFC Debit Card/ATM Card

HDFC debit card activation is required by both existing and first-time users. While existing customers might require card activation to enable online, international, or contactless transactions, new HDFC customers are required to activate their card via pin generation to use it further. Read on to know more.

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Updated: 29-03-2023 12:48:23 PM

Once a new HDFC Debit Card is issued, you will be required to activate it before you make any transaction. Additionally, you might also be required to activate, modify or revise the spending limits on your card for different transaction types. On this page, we have covered information about HDFC debit card activation new and existing customers. Keep reading to know more on how to activate your HDFC debit card.

HDFC Debit Card Activation
For Different Types of Transactions Online Contactless International
For First-time users via PIN Generation Net Banking Mobile Banking ATM
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HDFC Debit Card Activation: Online, Contactless & International Transactions
HDFC Debit Card Activation for First-time Users
FAQs

HDFC Debit Card Activation: Online, Contactless & International Transactions

All HDFC Debit Cards allow online, contactless and international transactions. To use your card for these transactions, you are however required to enable the same. You can also modify the limits for such transactions, as per your requirement and convenience.

How to enable HDFC debit card for online transactions

Via Internet Banking:

Step 1: Log in to your HDFC Net Banking account.
Step 2: Navigate to option ‘Cards’ as appearing on the horizontal menu bar.
Step 3: Choose option ‘Debit Cards’ and click on ‘Request’.
Step 4: Here select option, ‘Set Card Controls/Usage Limits’ and choose a card for which you want to set the limit, and click on ‘Continue’.
Step 5: Now select option, ‘Daily Domestic Usage/Limits’.
Step 6: Navigate to option, ‘Online Usage’ and choose ‘ON’.
Step 7: Set the limit here and click on ‘Confirm’.

How to modify limit for online transactions via Netbanking:

If you have already activated online transactions on your HDFC Debit Card, you can  modify the limit by following the same steps as listed above, however,

  • At the last step, enter the revised limit you want to set under option, ‘New Online Usage Limit:’
  • Enter the new limit and then click on ‘Confirm’, you will be directed to the new page, here click on ‘Continue’.
  • Lastly, authenticate the transaction by entering the ATM PIN and the expiry date for the card.
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Via Mobile Banking:

Step 1: Login to the HDFC mobile banking app.
Step 2: Navigate to the option ‘menu’ appearing on the top left.
Step 3: Now select option ‘Pay’ and then ‘Cards’.
Step 4: Here choose ‘Debit cards’ and click on the arrow appearing on the right.
Step 5: Select option ‘Show More’, for the card you wish to set the limit for and choose option ‘Customize’ appearing for ‘Limits’.
Step 6: Turn the toggle on/off for online transactions appearing under ‘domestic limits’ and set the limit by dragging the cursor.

How to modify limit for online transactions via mobile banking:

You can also modify the limit for online transactions via mobile banking by dragging the cursor on the amount scale. Follow these steps:

  • On setting the new limit, click on ‘Confirm’.
  • A new page appears asking you to share your debit card details, click on ‘Continue’.
  • On the next page enter your debit card PIN and then your card’s expiry date and again choose ‘continue’.

Note: Please note that the limit for online transactions must be equal or less than the merchant outlets limits.

How to enable contactless transactions for HDFC debit card

Via Net Banking:

Step 1: Log in to your HDFC Net Banking account on the authorized portal.
Step 2: Choose option ‘card’ as appearing on the horizontal menu bar and select ‘Debit Cards’ and click on ‘Request’.
Step 3: Navigate to ‘Set Card Controls/Usage Limits’ and select a card for which you want to set the limit.
Step 4: Click on ‘Continue’ and select option, ‘Daily International Usage/Limits’.
Step 5: To turn the contactless transactions on, you can choose option ‘ON’.

Via Mobile Banking:

Step 1: Login to HDFC mobile banking app.
Step 2: Click on ‘menu’ as appearing on the top left side.
Step 3: Now, navigate to option ‘Pay’ and then ‘Cards’, followed by ‘Debit Cards’.
Step 4: Click on the arrow appearing on the right, and select option ‘show more’, for the card you wish to set the limit for.
Step 5: Now, click on option ‘Customize’ appearing corresponding to option ‘Limits’.
Step 6: Here, turn the toggle on/off for contactless transactions appearing under ‘domestic limits’.

Please note that as per RBI Guidelines, the maximum limit for contactless transactions is Rs. 5,000 per transaction. To enable contactless transactions for international transactions, you need to follow the same steps as listed above but after enabling international transactions with the steps as mentioned below.

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How to enable international transactions on HDFC debit card

Via Internet Banking:

Step 1: Visit the HDFC Netbanking portal and login.
Step 2: Select option ‘card’ as appearing on the horizontal menu bar on the top of the screen.
Step 3: Choose the ‘Debit Cards’ option and click on ‘Request’.
Step 4: Now choose the option, ‘Set Card Controls/Usage Limits’ and select a card for which you want to set the limit.
Step 5: Click on ‘Continue’ and choose, ‘Daily International Usage/Limits’.
Step 6: To turn the international transactions on, you can choose option ‘ON’.

Here, you can also set and modify the limit for your International transaction for ATM usage, Merchant outlet usage, online usage and contactless usage. After setting the limits, click on continue and re-authenticate using your debit card details such as card PIN and expiry date.

Via Mobile Banking:

Step 1: Login to HDFC mobile app.
Step 2: Navigate to the option ‘Menu’ appearing on the top left of the screen.
Step 3: Now select option ‘Pay’ and then ‘Cards’>> Debit Cards.
Step 4: Click on the arrow appearing on the right and choose ‘Show more’, for the card you wish to set the limit for.
Step 5: Further, click on the option ‘Customize’ appearing for ‘Limits’.
Step 6: To enable or disable international transactions, turn the toggle on/off.

To modify the already activated limit for international transactions, follow these steps:

  • You can also modify the limit by dragging the cursor on the amount scale. On setting the limit, click on ‘Confirm’.
  • A new page appears asking you to share your debit card details, click on ‘Continue’.
  • On the next page, enter your debit card PIN and then your card’s expiry date and again choose ‘continue’.
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HDFC Debit Card Activation for First-time Users

If you are a new HDFC Bank debit card user, you can activate your card for the first time via the PIN Generation Process, as listed below.

How to activate HDFC debit card through net banking?

Similar to credit cards, if you want to active HDFC Bank ATM Card through net banking, follow the steps mentioned below:

Step 1: Visit HDFC Bank net banking portal and click on the ‘cards’ tab.
Step 2: Go to the ‘Debit Cards’ menu.
Step 3: Choose the ‘Instant PIN Generation’ option under the request tab, and select the debit card number.
Step 4: Set up a new debit card PIN.
Step 5: You need to authenticate with OTP received on your registered mobile number.
Step 6: Once done, your debit card will be activated.

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How to activate HDFC debit card through mobile banking?

To activate your HDFC Bank ATM Card through mobile banking, follow the steps mentioned below:

Step 1: Log in to HDFC mobile banking and navigate to the cards tab.
Step 2: Go to the debit card menu and choose ‘instant pin generation’ option.
Step 3: Now, select your debit card number and create a new debit card PIN.
Step 4: You need to authenticate the PIN generation transaction with OTP received on your registered mobile number.
Step 5: Once done, your debit card will be activated.

How to activate HDFC debit card through ATM?

To activate HDFC Bank Debit Card through ATM, you must follow the steps mentioned below:

Step 1: Visit the nearest HDFC Bank ATM.
Step 2: Insert your Debit Card and enter the ATM PIN*.
Step 3: Once you enter the ATM PIN, you will be asked to change your ATM PIN.
Step 4: You can now set a new ATM PIN for making transactions.

*Once you get your welcome kit from the bank, along with the Debit Card, there is an ATM pin given in a sealed envelope.

FAQs

How can I contact HDFC Customer Care in case of any complaints/queries?
In case, you have any queries or complaints, you can contact 24×7 HDFC customer care service to get your queries answered or issues resolved instantly.

Are there any charges to activate a card via net banking?
No, there are no charges for activating your HDFC debit card through net banking. However, you will be charged Rs. 50, if you regenerate your PIN through ‘PIN Regeneration’ in net banking.

Is it safe to use HDFC Netbanking for activating a debit card?
Yes, HDFC net banking is safe for activating a debit card as it ensures the highest level of socket layer secure encryption. Moreover, net banking details are kept confidential and cannot be viewed by the merchant.

Can I activate an HDFC debit card through any ATM?
No, you must activate your HDFC debit card through HDFC ATM only to avoid additional charges levied by the bank.

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