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I received an alarming message on SMS from HDFC Bank, HDFC upi 652 concerning my Tata Neu Infinity RuPay HDFC Bank Credit Card. This unexpected message raised concerns, as I had not initiated any linking of my account to UPI apps. Let’s delve into this matter further and understand why it’s essential to be cautious of such messages.

The Concerning Message

The message I received read as follows:

HDFC Bank: Dear Customer, we received a request to link your account for UPI 652. Do not share your Credit card details/One-time password or OTP/Expiry date number to avoid any financial loss. If it is not initiated by you, please report immediately to your bank helpline at 18002586161 to avoid any financial loss.

I received this message precisely at 1:07 AM IST on 1st October, 2023. It immediately caught my attention, and I took swift action to ensure the safety of my financial information.

Possible Security Threat

This message serves as a stark reminder of the potential security threats that credit card holders face in the digital realm. The mention of not sharing sensitive information such as credit card details, one-time passwords, and expiry date numbers is a clear indication that unauthorized individuals may attempt to gain access to your financial data.

Immediate Action

Upon receiving this message, I took proactive measures to protect my financial interests. I promptly deactivated all types of transactions on my HDFC Bank Credit Card. This decision, though necessary, left me wondering if this incident was indeed a glitch or part of a broader security concern.

Similar Reports from Kotak Mahindra Bank

To my surprise, I later heard that Kotak Mahindra Bank had also sent similar SMS messages to their customers holding RuPay Credit Cards. This parallel occurrence suggests that multiple banks may be facing similar issues related to unauthorized UPI requests.

Staying Safe in the Digital Era

In today’s fast-paced digital era, where convenience often goes hand in hand with risk, it’s crucial to adopt practices that safeguard your financial assets. Here are some tips to ensure your financial security:

1. Verify All Communication

Always verify the authenticity of messages or emails you receive from your bank. Look out for grammatical errors or suspicious sender email addresses. If in doubt, contact your bank’s official customer service channels.

2. Protect Your Personal Information

Never share sensitive information like credit card details, one-time passwords, or expiry date numbers with anyone, especially via SMS or email.

3. Enable Transaction Alerts

Activate transaction alerts on your credit card to receive real-time notifications of any unusual activity. This can help you spot unauthorized transactions quickly.

4. Regularly Monitor Your Statements

Frequently review your credit card statements for any discrepancies or unauthorized charges. Report any suspicious transactions to your bank immediately.

5. Stay Informed

Keep yourself informed about the latest security threats and banking scams. Awareness is your first line of defense against cyber threats.


The message I received from HDFC Bank serves as a reminder that vigilance is key to protecting your financial assets in the digital age. It’s essential to take immediate action and report any suspicious messages or activities to your bank to prevent financial losses. By staying informed and following best practices, you can safeguard your financial well-being and enjoy the benefits of digital banking securely.

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  • Dada Fadatare , October 3, 2023 @ 3:28 pm

    Apply Kiya tha abhi Tak carb nahi aya kya karu ab

  • Vijay kumar , October 3, 2023 @ 4:18 pm

    Very nice good 👍😊

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