how to enable international transaction on hdfc credit card?

Enabling international transactions on your HDFC credit card allows you to make purchases, withdraw cash, and conduct other financial activities outside of India. Whether you’re traveling abroad or making an international online purchase, activating this feature ensures seamless transactions across borders. In this comprehensive guide, we will take you step-by-step through the process of enabling international transactions on your HDFC credit card.

Understanding International Transactions on HDFC Credit Cards

International transactions on your HDFC credit card allow you to carry out transactions in foreign currency, which is automatically converted into Indian Rupees at the prevailing exchange rate, along with certain applicable charges. By default, international transactions may not be activated for all HDFC cards, so it’s crucial to follow the necessary steps to enable this functionality. Without activation, you will not be able to make payments or withdraw money while abroad, or for international websites that charge in foreign currencies.

Benefits of Enabling International Transactions on Your HDFC Credit Card

• Convenience: Seamlessly use your card anywhere across the world.
• Safe and Secure Transactions: Use international transactions for secure online payments on global websites.
• Emergency Use: You have access to cash withdrawals via ATMs in other countries.
• Reward Points: Earn reward points and benefits for international spending.
• Hassle-Free Currency Exchange: Enjoy automated currency conversion.

Steps to Enable International Transactions on HDFC Credit Card

HDFC offers multiple ways to enable international transactions on your credit card. You can choose any of the following methods to activate this feature based on your convenience.

1. Enable International Transactions via HDFC NetBanking

One of the most convenient methods to enable international transactions is through HDFC NetBanking. Follow the steps below to activate the feature.

1. Log in to HDFC NetBanking:
   • Go to the HDFC Bank official website.
   • Enter your Customer ID and Password to log in.
2. Navigate to Credit Cards Section:
   • After logging in, select the Credit Cards tab from the main menu.
3. Select Your Credit Card:
   • Choose your HDFC credit card from the listed accounts.
4. Modify International Transaction Settings:
   • Go to the Cards Control option.
   • Select Enable/Disable International Usage.
5. Confirm Activation:
   • After making the selection, confirm the changes.
   • You will receive a confirmation message once the settings are updated.

2. Activate International Transactions via HDFC Mobile App

Another easy way to enable international transactions is by using the HDFC Bank Mobile App. Follow these steps to activate the feature:

1. Download and Open the HDFC Mobile App:
   • Download the HDFC Bank Mobile Banking App from the Google Play Store or Apple App Store.
   • Log in using your Customer ID and Password.
2. Access the Credit Card Section:
   • Once logged in, click on the Credit Cards section.
3. Select the Card:
   • Choose your specific HDFC credit card from the list.
4. Enable International Usage:
   • Click on the Manage Cards option.
   • Find the International Usage setting and toggle it to Enable.
5. Confirm Changes:
   • You will receive a notification once international transactions are activated on your credit card.

3. Enable International Transactions via SMS

You can also activate international transactions through a simple SMS. Follow the steps below:

1. Compose a New SMS:
   • Type an SMS in the following format: INTL <last 4 digits of your HDFC Credit Card>.
2. Send the SMS:
   • Send the message to 5676712 from your registered mobile number.
3. Confirmation:
   • You will receive an SMS confirming the activation of international transactions on your credit card.

4. Activate International Transactions by Calling Customer Care

If you prefer speaking to a representative, you can activate international transactions by contacting HDFC Credit Card Customer Care:

1. Call HDFC Credit Card Customer Care:
   • Dial the HDFC Credit Card Customer Care number. Ensure you have your credit card details handy.
2. Request Activation:
   • Request the executive to activate international transactions on your credit card.
3. Verification and Confirmation:
   • The representative may ask for some verification details. Once confirmed, international transactions will be enabled on your card.

5. Visit HDFC Bank Branch

For those who prefer in-person service, you can visit your nearest HDFC Bank branch to enable international transactions on your credit card. Here’s how:

1. Locate the Nearest HDFC Branch:
   • Visit any HDFC Bank branch with your credit card and identification documents.
2. Submit a Request:
   • Request the bank executive to activate international usage for your card.
3. Confirmation:
   • Once processed, you will receive a confirmation that international transactions are now enabled.

Fees and Charges for International Transactions

Before enabling international transactions, it’s important to be aware of the associated fees and charges that apply. International transactions are subject to the following:

• Foreign Currency Markup: HDFC credit cards typically charge a foreign currency markup fee of 2% to 3.5% of the transaction amount. This charge is for converting the transaction from a foreign currency to Indian Rupees.
• Cash Advance Fee: If you use your HDFC credit card for cash withdrawals at ATMs abroad, you will be charged a cash advance fee, which is generally around 2.5% of the withdrawn amount, subject to a minimum charge.
• Interest Charges: If you do not pay your balance in full, you will also incur interest charges on international transactions as per the applicable rate for your credit card.
• Transaction Limit: Some credit cards may have a daily or monthly limit for international transactions. Make sure to verify your credit card’s limits and request an increase if necessary.

Security Tips for International Transactions

To protect yourself from fraud while using your HDFC credit card internationally, follow these best practices:

• Monitor Your Statements: Regularly review your credit card statements to spot any unauthorized transactions.
• Enable Notifications: Turn on SMS and email alerts for every transaction to stay updated.
• Use Secure Websites: When making international purchases online, ensure the website uses HTTPS for security.
• Disable When Not in Use: If you won’t be using international transactions for a while, disable the feature to avoid accidental charges or fraud.