Whenever you open a savings, salary, or current account with HDFC Bank, you are most likely to apply for a debit/ATM card. However, you cannot start using your debit card as soon as you get it in the mail. It is required to activate your HDFC debit card before you can start swiping it to make payments.

You can activate an HDFC debit card either online or by visiting an ATM. Keep in mind that you have to complete the activation shortly after you receive the debit card, otherwise the PIN provided by the bank will become invalid. And if the PIN is not valid anymore, you will need to activate your debit card by visiting the bank branch or through phone banking.

To avoid this, let’s see how to activate HDFC debit card/ATM card in a few simple steps!

How to Activate HDFC Debit Card 

1. Net Banking Option

Below are the simple steps to activate your HDFC debit card through net banking:

  • Go to the official website of HDFC for net banking.
  • Log in to your account using your credentials.
  • There will be a section called ‘Debit cards.’
  • The instructions provided will guide you through creating an ATM PIN for your Debit Card.
  • Select your debit card, enter your card number, and provide a PIN. 
  • Once you follow these steps and set your PIN, your Debit Card will be activated online.

2. By Visiting ATM 

  • Head to your nearest HDFC Bank ATM and insert your new debit card from the welcome kit.  
  • The kit will also include a temporary PIN.  
  • Enter that temporary PIN and you'll be prompted to create your own permanent PIN. 
  • Choose a new PIN for your HDFC debit card and use it for all future transactions.

3. Phone Banking Option 

  • Call HDFC Bank's phone banking number.
  • Verify yourself by entering your phone banking PIN from the welcome kit or answering the security questions.
  • Upon successful verification, follow the provided instructions to complete your card activation.

How to Activate HDFC Debit Card For Online Transactions

1. Net Banking Option

  • Access your HDFC Net Banking account by logging in with your username and password.
  • Click "Pay" on the menu bar.
  • Under "Cards," choose "Debit Card."
  • Select "Set Card Usage/Limits" under "Requests".
  • Enable online transactions by selecting the debit card you want to activate.
  • Allow online purchases for domestic use by enabling Online Usage.
  • Set your desired transaction limit and click "Continue" to save.
  • Confirm your choices and click "Continue" again.

2. Phone Banking Option

  • Open the HDFC mobile app and log in to your account.
  • Tap "Menu" in the top right corner.
  • Select "Pay" from the menu.
  • Choose "Cards," then "Debit Cards."
  • Pick the HDFC debit card you want to activate for online transactions.
  • On the next page, tap "Show More" and then "Limits."
  • Under "Domestic," toggle "ON" for "Online" and set your online transaction limit.
  • Click on the "Confirm" button.
  • On the next page, tap "Continue" and enter your ATM PIN and debit card expiry date.
  • Click "Continue" again to save your changes and enable online transactions for your HDFC debit card.

How to Activate HDFC Debit Card For International Transactions

1. Net Banking Option

  • Log in to the HDFC Netbanking portal.
  • On the top menu bar, click "Cards."
  • Under "Debit Cards," select "Request."
  • Choose "Set Card Controls/Usage Limits" and pick the card you want to set limits for.
  • Click "Continue" and then "Daily International Usage/Limits."
  • To enable international transactions, turn on the "ON" option.

2. Phone Banking Option

  • Open the mobile application and use your credentials to log in to your account.
  • Tap "Menu" in the top left corner.
  • Select "Pay" and then "Cards" followed by "Debit Cards."
  • For the card you want to set a limit for, tap the arrow on the right and choose "Show more."
  • Click "Customize" next to "Limits."
  • Activate international transactions by switching the toggle on.

FAQs on HDFC Debit Card Activation

1. How to activate an HDFC debit card online?

For online activation of your HDFC debit card, log in to net banking, select your debit card, and set your PIN.

2. Is the temporary PIN needed to activate HDFC debit card?

Yes, the temporary PIN that you get in your welcome kit is needed to activate your HDFC debit card.

3. Is it free to activate HDFC debit card via net banking?

Yes, there are no charges for activating your HDFC debit card using net banking.

4. How can I activate my HDFC debit card through an ATM?

Visit an HDFC ATM and insert your card. Look for an activation option on the ATM screen. You might need the temporary PIN received with your card.

5. How do I set up my HDFC debit card PIN for the first time?

You can set your HDFC debit card PIN instantly through NetBanking by selecting "Instant Pin Generation" under Requests, choosing your debit card number, creating a new PIN, and verifying with the OTP sent to your mobile number.

6. How can I activate my HDFC debit card OTP?

Text HDFC debit card PIN followed by the last four digits of your card and account number to 567676. You'll receive an OTP to set your PIN at an HDFC ATM.

 

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.