“Secure and Swift: Demystifying HDFC Freedom Credit Card PIN Generation”

ByMichelle Gram Smith Reading Time: 4 minutes

To keep the card secure and safe, the credit card PIN plays a vital role. The credit card PIN saves us against any type of financial scams and fraud. Even if the card gets stolen, the PIN cannot be used for any transaction. This is the reason it should be kept confidential so that nobody should know about it. When getting a new credit card like the HDFC Freedom Credit Card, a welcome kit along with the PIN is mailed to the address registered with the bank. It can then be changed with the help of desired modes, i.e. online or offline, as per your convenience.

How to Use Credit Card PIN?

Whenever the cardholder uses the HDFC credit card at any point of sale, the POS machine prompts the cardholder to enter the PIN. After which, the cardholder is required to enter the 4-digit PIN into the POS machine to complete the transaction. In the case of online transactions, the HDFC credit cardholder can choose to complete the transaction either with the help of OTP, PIN, or the MasterCard Secure Code.

At POS Terminals:

  • The vendor has to first insert the card at the PIN-enabled POS Terminal.
    • The cardholder is first required to verify the amount of transaction that is entered. 
    • A receipt of confirmation will be generated once the PIN is entered and the transaction is completed.
  • If the POS terminal supports the PayWave or PayPass feature, transactions up to INR 2000 can be carried out by the cardholder without any need to enter the PIN. The cardholder is just simply required to bring the card closer to the POS machine, and the payment will then be made automatically. 

How to Generate HDFC Credit Card PIN?

To start with the new credit card received, one is required to generate the PIN. The card can be activated by generating the Self-Active PIN or Green PIN. Then, the card can be used for your subsequent purchases or to make ATM withdrawals. In case of any problems, issues, or troubles while generating the PIN, one can report the same to HDFC Customer Care. The PIN is received from the bank along with the welcome kit at the time of card issuance. Mentioned below are the different ways for HDFC Credit Card PIN Generation:

Option 1: Via “My Cards”

Step 1: Log in to https://mycards.hdfcbank.com/. 

Step 2: Register the credit card with the last 4 digits.

Step 3: Set PIN.

Step 4: Enter the 4-digit PIN of your choice.

Step 5: Re-enter the PIN along with the card’s expiry date.

Step 6: Click “Confirm”.

Option 2: Via IVR

Step 1: Call the Toll-free number 1860 266 0333 from the registered mobile number.

Step 2: Next, enter the last four digits of the credit card followed by #.

Step 3: Dial 1 to generate a credit card pin.

Step 4: Type 6-digit OTP.

Step 5: Set the 4-digit PIN followed by # after successful validation.

Option 3: Via Net Banking

Step 1: Log in to Net Banking using the User ID and IPIN

Step 2: Click on “Cards” on the top.

Step 3: Under “Requests”, select “Instant PIN Generation”.

Step 4: Enter the 4-digit PIN of your choice.

Step 5: Re-enter PIN and click on “Continue”.

Step 6: An OTP will be received on the registered mobile number.

Step 7: Enter the OTP and click “Submit”.

Step 8: It will then show the success message on the screen. 

Step 9: The new PIN is now generated.

Option 4: Via ATM

Step 1: Call IVR at 1860 266 0333 to get the OTP on the registered mobile number.

Step 2: Visit any nearby ATM.

Step 3: Insert your card and choose the option “Create new ATM PIN using OTP’.

Step 4: Enter the OTP received on the registered mobile number.

Step 5: Enter the registered mobile number.

Step 6: Set a new 4-digit PIN.

Step 7: Enter the PIN twice to generate the PIN.

Things to be considered to keep the PIN safe

  • Make it a habit of being alone while entering any ATM.
  • Check if the slot of the card is intact or not with dummy card readers. The same can be authenticated by shaking the slot lightly to check whether it moves and looks like it is attached or not.
  • Never ever write down your PIN anywhere or share it with anyone. Also, the same should not be shared over e-mails, SMS, etc.
  • The PIN should not be kept as simple as your birth date, parent’s birth date, anniversary date, etc., which can be guessed easily.
  • Your PIN should never be saved for the websites where online transactions are made. Also, never auto-save it on the transactional websites.
  • Websites that start with “https” should be considered as they are secure.
  • Change your PIN on a frequent basis as a precautionary measure.
  • Check your account statement for any suspicious activity.
  • Don’t keep the same pin for all the cards you own.
  • Never ever share your PIN with anyone who asks for your personal details, not even to bank employees.

How to Change Credit Card PIN?

There are 3 ways to change the HDFC Freedom Credit Card PIN:

  • Via Net Banking:

Step 1: You should first make a login to the Net banking account of HDFC.

Step 2: Click on “Cards” and then on “Credit Cards”.

Step 3: Now, click on “Change PIN”.

Step 5: An OTP will be received on the registered mobile number.

Step 6: Input the OTP received and click “Continue”.

Step 7: Set up the new 4-digit PIN for the card.

Step 8: Re-enter the PIN, and then click “Continue”. 

  • By Visiting ATM:

Step 1: Visit any nearest ATM.

Step 2: Insert the credit card and choose your preferred language.

Step 3: Provide your PIN.

Step 4: Now, select “Change PIN”.

Step 5: An OTP will now be received on the registered mobile number.

Step 6: Provide the OTP received. 

Step 7: Next, set up the 4-digit PIN and re-enter the same to confirm.

Step 8: Now, click “Submit”.

  • Through SMS:

Send an SMS to 5676712 in the below-mentioned format from the registered mobile number:

‘CCPIN XXXX’ (last Four digits on your credit card)

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