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X user questions extra verification after OTP for ₹1.05 lakh credit-card payment; what RBI rules say

LiveMint - Money · 31 August 2026 at 11:47 am

X user questions extra verification after OTP for ₹1.05 lakh credit-card payment; what RBI rules say

An X user questioned why HDFC Bank sought additional confirmation after he authenticated a ₹1.05 lakh credit-card payment with an OTP.

RBI rules allow banks to use risk-based security measures and adaptive authentication for digital payments.

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X user questions extra verification after OTP for ₹1.05 lakh credit-card payment; what RBI rules say

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