3D password and OTP issues

3D Password and phone OTP are high security precautions made to prevent unauthorised online use of your Spendl card. 

While paying with your Spendl card online you will be asked to authenticate the transaction by 3D password and phone OTP, make sure you are not getting those confused. 

These are two kinds of transaction authentication factors while paying with your Spendl card online.
1. 3D password - This is your personal card password. The default password is 'spendl' we highly recommend changing it on the main menu.
2. Phone OTP - SMS code.