Exactly this. Many people think if bank rejects their cc application it will affect their credit score negatively.
Enquiry will have the same impact, got nothing to do with approval or rejection.
My HDFC Moneyback+ card also shows the same "Please contact your bank" but i am still able to do tap & pay transactions. No problem at all.
I guess they haven't updated it in the backend.
No, you are not doing anything wrong. HDFC Mobile Banking only shows Bharat Qr option but allows only Upi transactions.
That's HDFC internet banking in 2022!🙏🏼