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Credit/Debit Cards which send OTP to email in addition to SMS.

It came in clutch for spending during international travel.
Yes! I have had bad experience with SMS OTP. Some coming 30 minutes late (or never coming). This is rare but happens.
Earlier I used to use IndusInd NetSecure Password but then they stopped.

Kotak's and HDFC Emails have helped me ton. SBI (Bank not Card Issuer) lets me CONSTANTLY down, I switched main banking due to that.
 
Axis doesn't? I thought they do.

Axis used to send. I still get OTPs via email, but not all users. Please see this following thread for the current situation...

 
I think IDFC Debit card has an option where you can update the OTP settings in the app to get OTP on email as well. Saw it once but not able to find again. If anyone knows where to find this option in the IDFC app, please let me know.

I know this thread is for credit cards, but wanted this help for debit card - hence posting here.
 
What are the credit card providers that send OTP on mail?

Main use case is- bad or no network coverage but have fiber or wireless net.

Banks that send on email-
  • Amex
  • HDFC
  • Indian
  • SBI ¹ ²
  • AU ¹
  • SBM ¹
  • PNB
  • BoB ¹
  • RBL
  • OneCard (Swipe on App)


Banks that don't send on email-
  • Axis
  • IDFC (just tells us OTP has been sent)
  • HSBC ¹
  • Kotak ¹
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Last Updated On: 06 Feb 2025

Thanks to all contributors. Appreciate you guys.
Your comments are linked with SuperScript ¹ ²
What about Jio Payments Bank?
 
Kotak sends OTP on email if you Resend the OTP.

By default it sends OTP on SMS only.
If you click on Resend on OTP Page, it will send the OTP on both SMS and Email.
 
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I don't get email OTP from HDFC. They sometimes do an automated call in case the SMS isn't getting delivered, but no email....
Same is the case with ICICI, but here you are totally stuck as they don't even have a calling system.
I did receive OTP from Axis till very recently, but nothing from PNB
 
Please list which banks send OTP to email in addition to SMS for credit / debit cards.

1. SBI credit card
2. HDFC credit card

And...
Does SBI send by default does it have to be SET UP?

If we have to enable it, can it be done with website/ app or do we have to chase them down via email or phone?
 
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