One Time Password

As per the guidelines of Reserve Bank of India (RBI), starting from February 1, 2011 all merchants in India are required to collect an OTP (One Time Password) in addition to information written on the Credit cards for all transactions done over phone (IVR). All banks in India are providing OTP directly to their customers for a secure transaction over IVR.

OTP brings multiple benefits for you and you will feel more secure while doing IVR transactions over phone. With OTP you are further protected against fraudulent transactions made via Credit Cards. So, use an OTP and enjoy secure purchases over the phone (IVR). Just call your bank and get an OTP for your Credit Card.

What is One Time Password or OTP?
OTP is a numeric password which is valid for one time use only. As per Reserve Bank of India (RBI) guidelines starting from February 1, 2011, all merchants in India are required to collect an OTP in addition to information written on the Credit cards for all transactions done over phone (IVR). OTP is issued by the bank directly to the customer.

When do I require an OTP?
The OTP is required starting from February 1, 2011 onwards whenever you make a purchase using your credit card over the phone or mobile. For such purchases you need to enter the OTP in addition to your Credit Card Number, Expiry Date and CVV on the IVR call.

How can I obtain an OTP?
To obtain the OTP you need to have registered your mobile number with your bank. It is advisable to get this done as soon as possible. The process of registering the mobile number varies from bank to bank hence it’s best to call the customer support of the bank that issued your Credit Card to know more.
Once your mobile number has been registered with your bank, you can obtain an OTP by following the processes described in the table below. Your bank will send the OTP to the registered mobile via SMS.

Bank Name	OTP by SMS	OTP via Internet	OTP by phone	Validity
	SMS PWD XXXX (where XXXX is the last 4 digits of the Credit Card number) to 9717465555 from your registered mobile number.	Not Available	Call customer support number listed here	2 hours
	Send a SMS with 'IOTP ' to 5676766 from your registered mobile number.	Enter the required information here	Not Available	24 hours
	SMS OTP to 5676791 from your registered mobile number.	www.sbicard.com using your user id & password	Call 1860 180 1291	12 hours
	Please SMS OTP XXXX (Last 4 digits of the Credit Card number) to 52484 or 9880752484 from your registered mobile number.	Not Available
Other Banks	Please check with your respective bank.