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To Report Lost Card / Fraud: Call 1800 202 6161 Immediately

Secure Banking Tips

Your Security is Our Priority. Stay Alert, Stay Safe.

Security Topics
Golden Rules Password Hygiene Common Threats Card Safety Mobile Banking Report Fraud

The Golden Rules of Banking

NEVER Share OTP / PIN HDFC BANK officials will NEVER ask for your OTP, NetBanking Password, UPI PIN, or CVV over phone, SMS, or email.
NEVER Download Screen Sharing Apps Do not download apps like AnyDesk, TeamViewer, or QuickSupport on the advice of unknown callers. They can steal your data.
NEVER Click Suspicious Links Do not click on links received via SMS/WhatsApp claiming "KYC Pending", "Account Blocked", or "Reward Points Expiring".

Password & PIN Security

Your password is the key to your money. Make it strong and keep it private.

Do's

  • Create a complex password with numbers, symbols, and mixed case letters.
  • Change your NetBanking password and ATM PIN every 90 days.
  • Memorize your PIN/Password. Do not write it down anywhere.
  • Always log out from NetBanking after completing your transaction.

Dont's

  • Don't use obvious passwords like your name, DOB, or '123456'.
  • Don't save passwords in your browser or mobile notes.
  • Don't use the same password for Social Media and Banking.
  • Don't use public Wi-Fi (Airports/Cafes) for banking transactions.

Beware of These Frauds

Phishing
Fraudsters send fake emails that look like HDFC Bank emails asking you to click a link and update KYC. Check the sender email address carefully.
Vishing
You receive a call posing as a Bank Manager claiming your card is blocked. They ask for OTP to 'unblock' it. Disconnect immediately.
SIM Swap
Fraudsters clone your SIM card to receive your OTPs. If your phone suddenly loses network for a long time, contact your operator.
Skimming
Devices attached to ATMs can copy your card data. Always cover the keypad while entering PIN and check the card slot for loose parts.

Safe Card Usage (ATM/POS)

  • Inspect the ATM: Check for any glue marks, loose card slots, or hidden cameras before using an ATM.
  • Hide your PIN: Stand close to the machine and cover the keypad with your hand while entering the PIN.
  • Keep Card in Sight: At restaurants or petrol pumps, never let the merchant take your card away. Ensure the card is swiped in your presence.
  • Manage Limits: Use the MyCards app or NetBanking to set limits for Online, POS, and ATM usage. Disable International usage if not traveling.
  • SMS Alerts: Ensure your mobile number is updated to receive instant transaction alerts.

Safe Online Shopping

Ensure you are shopping securely to prevent data theft.

Check for HTTPS: Look for the "Padlock" icon in the browser address bar. The URL should start with https:// not http://.

  • Shop only from reputed and trusted websites.
  • Do not save card details on merchant websites/apps (opt out of 'Remember Card').
  • Always use Virtual Keyboards on public computers if necessary.

How to Report Fraud?

If you notice any unauthorized transaction, act immediately:

Step 1: Block Card

Login to NetBanking / MobileBanking and hotlist your card immediately to prevent further misuse.

Step 2: Call Bank

Call PhoneBanking at 1800 202 6161 and report the fraud transaction.

National Cyber Crime Portal:
Dial 1930 or visit cybercrime.gov.in to file an official complaint.