Know All About HDFC Bank Instant Credit Card

When you apply for an HDFC Bank Credit Card, the physical card may take some time to be delivered. Typically, the card is delivered within two to three days, but it could also take up to seven to ten days to reach you. To address this, HDFC Bank offers an instant virtual credit card before your physical card arrives. This virtual card has a temporary spending limit of ₹5,000 and can be used for online purchases.

Some people may be confused about receiving a virtual credit card after applying for a generic one. However, the instant card is provided after the application is approved but before the physical card is delivered. The temporary spending limit of ₹5,000 is changed 5 days after the physical card is activated. This card is offered for the convenience of HDFC Credit Card holders. The HDFC Instant Virtual Credit Card can be accessed through the MyCards web app. Apply now for some of the most popular HDFC Bank Cards, such as Tata Neu Infinity/Plus, Diners Club Black Metal, and BizBlack Metal, and start earning rewards for your spending.

How to Use the HDFC Virtual Credit Card?

Step 1: Select “credit cards” on the payment page when you are making an online transaction.

Step 2: To authorize the transaction, enter the card number, expiry date, and CVV on the transaction page.

Step 3: You will be redirected to the authentication page.

Step 4: Choose the “generate OTP” option.

Step 5: You will receive a One-Time Password (OTP) for the specific transaction on your registered mobile number.

Step 6: Enter the OTP to complete the transaction.

Bottom Line

The instant virtual credit card by HDFC Bank is a welcome move as it allows customers to use their credit cards even before they have been physically delivered. Although many consider the temporary limit of ₹5,000 relatively low, it’s still more than other issuers offer. This digital credit card provides easy online e-commerce transactions without waiting for a card to be delivered.