HDFC Bank has added its apps Chillr and SmartBuy to Windows phone app. Chillr is directly linked to the customer’s bank account and requires no password but M-PIN, which only the customer will be aware of. It allows the customer to send or receive money to or from anyone in their mobile contact list without knowing their account number, IFSC code, etc or wait for OTP SMS. With SmartBuy, the app user can compare and book flight tickets, hotels, shop online, or buy music and experience one click payments.