Feedback

How to Use Your HDFC Credit Card Without an OTP Number

When using your HDFC credit card for online transactions, you’re usually prompted to enter an OTP (One-Time Password) for added security. However, there are scenarios where you might want to complete a transaction without the need for an OTP. In this guide, we’ll explain how you can use your HDFC credit card without an OTP by registering for the Net Secure Code and other secure methods.

How to Use HDFC Credit Card Without OTP

1. Register for Net Secure Code:

What is Net Secure Code?
The Net Secure Code is a password you create that can be used in place of an OTP for completing transactions. This feature is available for those who register their HDFC credit card on the VISA or MasterCard Secure Site.

How to Register:

• Visit the HDFC NetBanking portal or the official VISA/MasterCard Secure Site.
• Provide details such as your Date of Birth, Card Expiry Date, and CVV.
• Set up your password, which will be used for transactions instead of an OTP.

Using Net Secure Code During Transactions:

• When completing a transaction, select the option for using the Net Secure Code instead of OTP.
• Enter your registered Net Secure Code to authorize the payment.

2. Transactions Through Secure Sites:

• Some payment gateways and secure sites allow you to complete transactions using a password rather than an OTP. Ensure that your card is registered and the payment gateway supports this option.

3. Limitations:

Security Risks:
While using a password may be convenient, it’s essential to remember that the OTP adds an extra layer of security. Always ensure that your password is strong and not easily guessable.

Not Available for All Transactions:
Some merchants and transactions will still require OTP verification, particularly for high-value purchases.

FAQ Section

Q1: Can I use my HDFC credit card without OTP for all transactions?
A1: Not all transactions allow the use of a password instead of OTP. High-value and international transactions often require OTP verification for security reasons.

Q2: How do I reset my Net Secure Code?
A2: You can reset your Net Secure Code by visiting the HDFC NetBanking portal or the VISA/MasterCard Secure Site and following the instructions to update your password.

Q3: Is using a Net Secure Code safe?
A3: Yes, using a Net Secure Code is a secure method as long as you choose a strong password and keep it confidential.

Conclusion

Using your HDFC credit card without an OTP is possible through the Net Secure Code feature, which allows you to complete transactions securely using a password. While this can be a convenient option, always prioritize security by using strong passwords and ensuring that your details are protected. For transactions where an OTP is required, embrace it as an additional layer of security that keeps your financial information safe.