How to Get One Time Password for Credit / Debit Card?

How to get one time password (OTP) for Credit / Debit Card Purchases?

OTP for IVR Transactions

Credit Cards / Debit Cards are becoming the most popular purchasing tool all over the world. Online Purchases and Transactions are made easier with credit and debit cards. But still, there occurs a chance of misuse of your credit and debit cards when stolen or missed. Hence, securing your transactions is necessitate. To make your transactions more secure, banks have introduced a secondary authentication process named as OTP (One Time Password).

Axis Bank
Bank of Baroda
Andhra Bank
CITI Bank
Indusind / Deutsche Bank
Punjab National Bank
Kotak Mahindra Bank
ICICI Bank
HDFC Bank
Canara Bank
Union Bank of India
Vijaya Bank
Corporation Bank
Standard Chartered Bank
Yes Bank
HSBC
TATA Card
State Bank Of India

OTP is a one time password generated for transactions and is valid only for one login/transaction session. It was introduced to secure your financial transactions and to avoid certain misusages. It is valid for only a limited period of time (from 1 to 24 minutes) based on the banks. One Time Password will be generated automatically to your registered mobile number / email id with the bank while any purchase is done through your credit cards/debit cards. It can also be generated earlier before you perform any IVR transaction and can be used for your first purchase, which is named as Pre-OTP.

This tutorial will help you to learn how to generate OTP for your IVR transactions via SMS, phone or through websites of different banks.