Hey there, I’m Nanne Parmar, a fintech author who has been writing personal finance news and articles since 2018. If you are here, chances are you have struggled to open your HDFC credit card statement PDF, too. I totally get it.
I personally use two HDFC credit cards: the BizGrow and Tata Neu. Recently, I converted a large transaction into EMI and needed to check the first EMI amount + interest rate + applicable taxes.
Like most of us, I went straight to my inbox, found the email, and downloaded the statement. but the annoying part came — it asked for a password!
Sound familiar? If you have faced something like this, this guide is for you. And I’m here to help you with the correct and latest HDFC credit card e-statement password format.
So, Let begin the article –
What is the HDFC Credit Card e-Statement?
According to the report of the Indiatimes website, HDFC is one of the leading credit card providers in India with a credit card market share of 22 % as last February 2025. As of FY2024, it has over 21 million active cards. Among the many features that make them popular is their digital-first approach, including their digital statement service.
But what exactly is an e-Statement?
An E-statement is a digital version of your monthly credit card statement, with all transaction records directly sent to your email address. But it’s not just a list of transactions. It’s a payment due date reminder, credit card bill, available credit overview, and more.
HDFC also offers Web Statements, which include personalised offers and benefits available online without even downloading a PDF. Just enter the password and explore.
In case you want a physical copy of your credit card statement? Yes, you can request it. But HDFC Bank charges ₹10 per duplicate physical statement.
RBI and common sense both recommend going digital: it’s free, eco-friendly, and quick.
How to Register for HDFC Credit Card e-Statement
If you are not receiving statements in your inbox from HDFC. Here are the steps to follow to start receiving e-statements every month-
- Go to Google and search instaservices.hdfcbank.com
- Choose the option Change of Email ID (Paperless)
- Enter your mobile number and PAN number
- Enter the OTP sent to your phone
- Input your new email ID and tap on submit.
You’re now registered. You will start receiving monthly password-protected e-statement PDFS in your inbox. Easy, right?
Now, move to the next and important part. You need the correct password format set by HDFC Bank.
How to Unlock the HDFC Credit Card Statement PDF
So, the statement lands in your inbox – what now?
- Step 1: Download the Statement: Open your email inbox. Search for “HDFC (Card Name) Credit Card Statement PDF (Month)”, and open the email > Scroll down > Click Save PDF.
- Step 2: Open the PDF: Use any PDF reader app. HDFC recommends Adobe PDF Reader, but you can also try: Foxit Reader, Google PDF Viewer, and Built-in PDF viewers on Windows/Mac.
- Step 3: Enter the Correct Password:
To unlock the credit card PDF, HDFC sets a password format as the First 4 letters of your name in CAPITAL LETTERS (as printed on the card) + the Last 4 digits of the card number.
Let me give you an example: if your card’s printed name is LAXMAN SINGH and your card’s last 4 digits are XXXX 7777, then your correct password will be = LAXM7777.
Alternatively, you can use another password format:
- First 4 letters of your name + Date & Month of Birth (DDMM)
- Example: LAXMAN SINGH + 20 AUGUST 1990
- The password will be: LAXM2008
Note: The passwords also work with HDFC Web statements.
Tips For You:
- Use UPPERCASE for the name letters
- Do not put any extra dots, spaces, symbols, or special characters
- Always check the full email – HDFC includes current password formats, instructions, formats, examples, and a support helpline number for help.
Troubleshooting Statement PDF Issues and Errors
Sometimes things just don’t go as smoothly as you want. Here are some common errors and how to solve them:
- Email Not Received
- Please check your spam/junk folder in your inbox.
- Make sure your registered email is updated via HDFC Insta Services.
- Corrupted File Error
- Delete and re-download the file
- Or request a fresh statement via the HDFC MyCards app
- Statement Password Not Working After Card Replacement
- Use the new card’s last 4 digits or the DOB method
- Name Format Not Recognised
- Always match your card name format, including correct spelling
- If the name is shorter than 4 letters, just use the remaining letters of your Surname.
- PDF Doesn’t Open on Phone
- Try switching to another reader app like Foxit or Adobe Acrobat
- Update your PDF Reader using the App Store.
- Or forward the email to your PC and open it there
Still Experiencing Issues? Contact HDFC Cards
If your issue is more technical and still not solved, simply contact the HDFC customer support team.
- The latest working HDFC customer care helpline is 1800 1600 / 1800 2600 (Toll-Free India 24/7 active)
- Also, +91 22 61606160 (For NRIS or when travelling abroad)
- You can drop an email to their email ID: customerservices.cards@hdfcbank.com
- Visit a branch and ask the bank’s supporting staff directly. You can use the HDFC branch locator, which helps you find the nearest HDFC bank branch.
Our Users FAQS
How do I open an HDFC credit card statement without a password?
It simple; you can use the HDFC Mobile Banking App. Log in, go to ‘Cards’, select your card, tap ‘Statement’, choose the month, and download or view it without needing any password.
How do I request an e-statement by using the HDFC MyCards App?
Open the HDFC MyCards app, log in using your mobile number, select your credit card, go to ‘Services’, tap on ‘Request e-Statement’ in the manage section — your PDF will be sent to your email OR you can directly get to your smartphone.
How long are old HDFC statements available?
HDFC usually keeps the last 24 months of statements online via mobile banking and net banking. For older ones, you might need to request them manually through HDFC customer service.
What if I recently changed my credit card?
If your card was replaced, use the new card’s last four digits when entering the PDF password. The older credit card numbers do not work for passwords and any transactions.
Is there one password format for all banks?
Nope — each bank uses its own password format, like name + DOB or customer ID. You can check our full list of password formats for all banks at EaseMoney’s password guide.
I hope you found this guide useful! If yes, please share it with your friends on X (Twitter), Reddit, Insta, WhatsApp, or Facebook who might be struggling with their HDFC credit card statement PDF.
Don’t forget to check the latest credit card news at Easemoney.in/news
Notice: This manual* (content) on Easemoney is for informational purposes only and should not be considered financial advice. Always consult a certified financial advisor before making any decisions based on the information provided. For more info, visit the HDFC Bank official website.
This article was written by Nanne Parmar, a fintech expert with a DCA degree and a commerce background, with 6+ years of experience in finance, fintech, and banking. Nanne has worked extensively in AI tools for banking, financial calculators, and fintech products. As the founder of EaseMoney, he focuses on making complex financial concepts simple for Indian users.