Receiving your HDFC Credit Card statement as a password-protected PDF can be frustrating, especially when the password format isn’t directly clear. Many cardholders struggle to unlock their digital statements, leading to delays in making timely payments. This confusion can add unnecessary stress to managing your finances.
Fortunately, the solution is simple once you know how the password works. In this blog, we’ll guide you through the exact steps to unlock your HDFC e-statement quickly, helping you access your financial details without any hassle.
We’ll also explore key features in your statement and show you easy ways to download it on your phone with and without a password, ensuring you stay on top of your credit card payments.
What is the HDFC Credit Card Statement Password?
HDFC Bank sends your monthly credit card statements with a password to protect your financial data. This password provides that only you can access the statement, adding an extra layer of safety to your personal details. The password is typically created using details that are unique to you, such as a combination of your name, card number, or DOB.
As India’s largest private bank, HDFC Bank is dedicated to safeguarding sensitive details and securing your financial data. By encrypting your information, HDFC Bank ensures that your financial details remain private and secure, supporting their loyalty to your financial safeness and trust.
Top 10 Features on Your HDFC Credit Card Statement
Your HDFC credit card statement offers a wealth of data that helps you manage your credit usage effectively. Here are the top 10 features you’ll find:
- Statement Date: The date on which the statement was generated.
- Due Date: The last date by which you should make your payment to avoid late fees.
- Minimum Amount Due: The smallest amount you need to pay to keep your account in good standing.
- Total Outstanding Amount: The total balance on your credit card at the end of the billing cycle.
- Credit Limit and Available Credit: This shows your total credit limit and the amount still available for use.
- Transaction Summary: A detailed list of all your transactions during the billing cycle.
- Interest and Fees: Any interest charged on outstanding balances or fees applied to your account.
- Cash Limit: The maximum amount of cash you can withdraw using your credit card.
- Billing Cycle: The duration of the billing period, usually 30 days.
Let’s Download HDFC Credit Card Statement Using MyCards
Here is the step-by-step guide to get your statement on your phone within a few clicks.
Step 1: Access HDFC MyCards
- Open Browser: On your phone, open any web browser and go to HDFC MyCards.
- Log In: Enter your registered mobile number and get an OTP to log in.
Step 2: Select Your Credit Card
- Choose the Card: After logging in, select the credit card for which you want the statement.
- Card Overview: You will see your current limit, upcoming payment, card summary, and more.
Step 3: Request Statement
- Manage Card: In the card overview section, locate the “Manage Card” section.
- Request Statement: Tap on the “Request Statement” option.
Step 4: Choose the Delivery Method
- Select Month: Choose the month for which you want the statement.
- Check Registered Email: Verify your registered email address.
- Download Options:
- Download Statement: Tap on the “Download Statement” button to get it directly on your device.
- Send to Email: You can also choose to send the statement to your email. This will come as a password-protected PDF.
Steps to Unlock HDFC Bank Credit Card Statement PDF
Unlocking your HDFC Bank credit card statement is simple. Just follow these easy steps:
1. Receiving the HDFC Credit Card Statement
- Locate the Email: Open your email inbox and look for a message from HDFC Bank. This email will have your credit card statement as an attachment.
- Download the PDF: Click on the attached PDF file to download it to your device. Make sure you have a stable internet connection and enough storage space.
2. Opening the PDF
- Find the File: After downloading, go to the folder where the PDF is saved. Typically, this is the “Downloads” folder.
- Open with PDF Reader: Use any PDF reader, like Adobe Acrobat, Google Chrome, or your device’s built-in PDF viewer, to open the file.
3. Entering the Password
- Password Format With Examples:
- Password Option 1: The first four letters of your name (in capitals) + the last four digits of your credit card number. (E.g: AASHISH On the Card + Last Number 5564 = AASH5564)
- Password Option 2: The first four letters of your name (in capitals) + your date and month of birth (DDMM format). For example, if your name is ALOK KUMAR and your DOB is 15/08/2000, your password would be ALOK1508.
- Enter the Password: Type in the password to unlock the PDF.
4. Viewing the Statement
- Access Statement: Once you enter the correct password, the PDF will unlock, allowing you to view your credit card statement on your device.
5. Saving or Printing the Statement
- Save for Future Reference: You can save the unlocked statement on your device for easy access later. If needed, you can also print a physical copy for your records.
Get Your HDFC Credit Card Statement Without a Password
To download your HDFC Credit Card statement without a password on mobile, follow these steps:
Step 1: Download the HDFC Bank MobileBanking App
- Platform: Available on both iOS and Android devices.
- Action: Download and install the app on your smartphone.
Step 2: Register or Log In
- First-time Users: You will need to register by providing your Customer ID, Debit Card number, or Mobile Number.
- Already Registered Users: Log in using any of the following:
- 4-digit MPIN
- Password
- Face ID
- Fingerprint biometric
Step 3: Access the Account Overview Page
- After Login: You will land on the account overview page where you can see your current balance, UPI options, and more.
- Next Step: Tap on the menu button in the top left corner to open the navigation options.
Step 4: Go to the Cards Section
- Navigation: In the menu, go to the “Pay” section and open “Cards.”
- Card Selection: If you have multiple credit cards, a list will appear. Select the card for which you want to download the statement.
Step 5: Download the Credit Card Statement
- Action: Tap on “Get Statement.”
- Choose Statement Duration: Select the month or range of months.
- Choose Format: Choose from PDF, Excel, or CSV.
- Download: Tap on the “Download” button. The statement will be downloaded without requiring a password.
Troubleshooting HDFC Credit Card Statement Issues and Errors
Occasionally, you might face issues while accessing your HDFC credit card statement. Common problems include:
- Incorrect Password: Ensure you are entering the correct combination as per the instructions.
- Email Not Received: Check your spam or junk folder, or verify that your registered email address is correct in your HDFC account.
- File Corruption: If the PDF file seems corrupted, try downloading it again or request a new statement through MyCards.
Still, Experiencing Issues? Contact HDFC Customer Care
If troubleshooting doesn’t resolve your issue, HDFC Bank’s customer care team is available to help. You can reach out through multiple channels, including phone, email, or by visiting your nearest HDFC branch. Have your credit card details and personal identification ready for quicker support.
HDFC Bank Helpline Numbers:
- Toll-Free: 1800 1600 / 1800 2600
- Email: customerservices.cards@hdfcbank.com