You may have received IPIN or Activation Code in the kit provided to you. The Activation Code will be printed on the card mailer below the card whereas the IPIN will be printed on the PIN mailer along with ATM PIN. The Activation Code / IPIN is required to set your NetBanking Password for your Regalia ForexPlus Card for the first time. Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN: -Visit HDFC Bank website and select Prepaid NetBanking -Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field. -Input User ID of your choice for future login purpose -Select the secret question from a dropdown menu and provide the answer -Mention the new Password and reconfirm the same -With the new User Id and Password, you can then login to access your card account