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Electronic payments have revolutionised the banking system with everyone going cashless with the arrival of debit cards, credit cards, e-wallets etc. The number of credit card holders are increasing day-by-day due to its convenience and ease of use.
You can apply for a credit card either online or offline. After completing the application process, you might want to know how the application is being processed and keep track of the status of the application. It is now easy to track your credit card application status online or using your mobile.
For all your credit card application status related queries, you can call the 24X7 toll-free number provided by the credit card issuers.
After applying for a credit card, you will ideally receive an SMS from the bank acknowledging your credit card application with the reference number and application number.
To make the banking process hassle-free, every bank has introduced a simple process to track your credit card application status online. The following steps are involved in checking the credit card application online.
You can visit the official website of the bank. You can go to the credit cards section of the bank. By providing details of your application reference number, application form number, mobile number or date of birth, you can view the progress of your credit card application.
You can also follow the credit card application status using your mobile number that you shared during the application.
You need to visit the official website of the bank and go the credit cards section.
You need to enter the mobile number that you registered for credit card application. The mobile number may be verified mostly with an OTP. Following the verification, you can see your credit card application status.
After completing your credit card application, it will be processed by the bank. Once the card is approved, the applicant will receive a letter with the Air Way bill number of the shipment carrying the credit card. You can track your credit card status by using the Air Way bill number.
You can go to the official website of bank and select ‘Track your credit card’. You will now be redirected to another page where you will have to enter your Air Way bill number. Once the number is verified, you can track your credit card location and when it will reach you for delivery.
For those who are not familiar with internet or those who cannot access internet can get help from the credit card customer care and track your credit card application status. For all credit card related enquiries, you can call the 24X7 toll-free number of the bank.
Consider when you do not have access to internet, you can still check your credit card application status offline. You can either call the 24X7 credit card customer care number or walk into the nearest branch with your e-reference number, application form number and date of birth. The executives of the bank will help you track the credit card application status immediately.
You can track your bank credit card application status using just your date of birth or mobile number. You can either go the official website of the bank or download the application of the bank in your mobile phone. Select ‘Track your credit’ card and you will have to just enter your date of birth and submit it. Once the details are verified, you will be shown the status of your credit card whether it is in process or approved/rejected or despatched.
The first thing to do while applying for a credit card is to choose the one that suits your credit profile. Every bank offers credit cards of various types that can be categorised as shopping, lifestyle, entertainment, women credit requirements, fuel, business, travel, online shopping etc. You can choose the credit card that benefits you the most in terms of your spending habits.
To apply for a credit card, you can either apply online or in person.
Online method: Every bank has an online portal. The users can visit the official website of the bank and provide details such as name, income, employment and upload few documents to apply for a credit card. Once application submission is over, the bank will process your application and approve your credit card. The applicants also track the credit card application online and offline using simple steps.
Offline Method: You can visit the bank, fill in the application and submit it along with the requisite documents. In general, it can take up to 15 days for your application to be processed and approved/rejected.
You can log onto the bank’s website and register free of cost. Once you get a User ID and password, you can check your credit card balance online at your convenience, 24x7. You do not need to wait for your monthly bill and statement to arrive in the mail. Net banking is useful to check your balance online and get the credit card spending status for the month.
A credit card holder can make online or offline mode of payment every month. The following procedures are almost similar in all the banks for making the credit card payment.
Net banking: To pay your credit card bills, log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your bank savings account.
Autopay: If you are having a chaotic schedule, you might forget to pay your credit card bills. To avoid paying late, you can opt for autopay facility which deducts the amount that you have used on your credit card.
ATM Funds Transfer: With large network of ATMs available across the country, the credit cardholders can pay credit card bills through any one of these ATMs. This service is 24/7 made available to bank’s customers. The outstanding amount available on your credit card can be transferred from a savings account or a current account to the customer’s credit card account.
You do not necessarily open a bank account to have the respective bank’s credit card, you can also pay your credit card bill using your current bank account. There are several ways that a person with a credit card can pay his/her credit card bills through online transactions using other bank accounts. This convenient way of paying your credit card bill through other banks.
One of the options is the Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If they have given their email id, they will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can see the list in the bank’s website
In case you don’t have a bank account of the credit card your hold, you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your bank account.
You can pay your credit card bills by paying in cash at any one of the branches nearest to you in your city. A processing fee per payment will be charged by the bank when you pay your credit card bill.
If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
1. How can I track my credit card application status?
You can track your credit card application status either online or offline. You may have to provide the details of your application reference number, application form number, mobile number or date of birth to get the status of your credit card application.
2. How can I know if my credit card application is approved/rejected?
Once all the details are verified, your application will either be approved or rejected. You will be informed about the approval through a letter/Email/SMS from the bank.
3. What is Air Way Bill number?
Air Way bill number is sent to the credit card applicant through a letter after the application is approved. Using the number, the applicant can track the shipment of the credit card and its process.
4. How can I make credit card bill payment offline?
You can pay your credit card bill in cash or cheque to the nearest branch of the bank.
5. Should I need to have a bank account to get a credit card?
No, you do not need to have a bank account to get a credit card.
You can also apply through CreditMantri to get the best credit that matches your spending habit. CreditMantri matches the borrower’s credit and demographic profile to the lender's lending criteria and presents a shortlist of only those lenders willing to provide credit cards based on the credit profile.
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