How to Enable Contactless Transactions in HDFC Credit Card

What is Contactless Transaction

A contactless transaction is a payment method that allows you to pay for purchase or services without having to physically swipe your card or insert your credit or debit card. Instead of you just tap your card or smartphone on a contactless reader machine. Contactless payments use radio-frequency identification (RFID) technology to transmit payment information between the card or device and the reader machine. The RFID chip in the card or device emits a signal that is picked up by the reader. The reader then sends this signal to the merchant’s payment processor, which authorizes the payment.

Contactless transactions are typically limited to small amounts, such as 5000 or less. This is because the RFID chip in the card or device can only store a limited amount of data. For larger transactions, you will need to swipe or insert your card and enter your PIN.

Contactless payments are becoming increasingly popular because they are convenient and secure. They are also a good option for people who do not want to carry cash or who are concerned about the spread of germs.

There are three ways to enable contactless transaction in your HDFC credit card:

Enable Contactless Transaction Through NetBanking:

1. Log in to your HDFC NetBanking account.
2. Click on the “Cards” tab.
3. Select the card you want to enable contactless transaction for.
   Click on “Request” and then “Set Card Usage/Limits”.
4. Under “Contactless Usage”, select “Enable”.
5. Click on “Continue” and then enter the OTP that is sent to your registered mobile number.
   Click on “Confirm”.

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Enable Contactless Transaction Through EVA (HDFC Bank’s Digital Assistant):

1. Open the EVA chat window on your mobile phone.
2. Type “Manage my Credit Card”.
3. Select the option “Contactless Transactions”.
4. Enter the last 4 digits of your credit card number.
5. Enter OTP will be sent to your registered mobile number.
6. Enter the OTP. & Click on “Enable”.

Enable Contactless Transaction Through WhatsApp Banking:

1. Add HDFC Bank’s Official WhatsApp number – 7065970659 to your contacts list.
2. Send the text “Manage My Credit Card” to the above number. Y
3. You will receive a reply asking to choose from various options. Choose option corresponding to “Contactless Transactions” (e.g. just type numeric 4).
4. An OTP will be sent to your registered mobile number. Enter the OTP.
5. You will be prompted to enter the last 4 digits of your Credit Card number. then Enter.
6. Click on “Enable”.

Enable Contactless Transaction Through Mobile Banking:

1. Open the HDFC Mobile Banking app.
2. Log in to your account using your credentials.
3. Click on the “Cards” tab.
4. Select the card you want to enable contactless transaction for.
5. Tap on “Change Usage Channel”.
6. Under “Contactless Usage”, select “Enable”.
7. Click on “Save”.

You will need to enter your OTP to confirm the change. Once you have enabled contactless transaction, you can make payments by simply tapping your card on the POS machine. The limit for contactless transactions is ₹5,000. For transactions above ₹5,000, you will need to swipe or dip your card and enter your PIN.

Here are some additional things to keep in mind:

• You can only enable contactless transaction for cards that have a contactless chip.
• If you have enabled contactless transaction, you will still be able to swipe or dip your card if you prefer.
• You can disable contactless transaction at any time by following the same steps above.

I hope this helps! Let me know if you have any other questions.

Here are some FAQs about contactless transactions:

What is a contactless transaction?

A contactless transaction is a payment made by tapping your credit or debit card on a contactless reader. The transaction amount is deducted from your card balance instantly.

How much can I spend with a contactless transaction?

The maximum amount you can spend with a contactless transaction is Rs. 5000.

What if I lose my card?

If you lose your card, you can immediately block it by calling HDFC Bank’s customer care number. You will not be liable for any unauthorized transactions made after your card is blocked.

Is contactless transaction safe?

Yes, contactless transactions are very safe. They use a secure encryption technology to protect your card details.