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Credit Card issuers in India

How to check the status of my credit card?

Credit cards have become an indispensable part of people’s lives as expenses continue to increase along with spending capacity. If you made a credit card application and are looking for the status, you can look for the credit card status check and track your application. Many banks and credit card issuers allow customers to check their credit card application status online through their website. There are also offline methods to do so, such as customer care phone number or the bank branch. The below section details the steps for checking the credit card status.

How to track credit card status of top card issuers in India

To help you track credit card status, we have comprised a list of top-performing banks in India.

HDFC credit card status

  • To know HDFC credit card status, applicants can visit the bank’s credit card website
  • Provide the application reference number or date of birth
  • Provide the registered mobile number or number given at the time of application
  • After entering the Captcha, click on ‘submit’ on the form

SBI credit card status

  • To check the credit card status of SBI credit cards, applicants can visit the bank’s website
  • Within the ‘Track your application’ section, one can select ‘Check the status of your application’
  • Enter application number or other reference number provided at the time of application
  • Click on ‘Track’ to proceed

ICICI credit card status

  • To check ICICI credit card application status, applicants must visit the bank’s website and credit card section under it
  • Credit card status can be viewed by entering either the application number or mobile number
  • If the absence of an application number, the bank requests for further authentication through the applicant’s mobile number, date of birth and OTP
  • Once the details are provided, click on ‘Continue’ to check the status

Amex credit card status

  • To check American Express credit card application status, visit the issuer’s official website
  • Enter the registered mobile number or 14 digit application reference number
  • After entering, submit the status check option in the form

Axis credit card status

  • To know the Axis bank credit card application status, visit the bank’s website and credit card section in it
  • After selecting an option to proceed, choose between App ID or PAN or Mobile Number
  • Depending on the selection, enter the relevant details
  • Submit the online form

Citibank credit card status

  • To know the status of the Citibank credit card application, one must visit the bank’s official website and go to the credit card section
  • Enter the 11 digit application number received through SMS 
  • Enter the mobile number provided at the time of application to check the status

RBL Bank credit card status

  • To check RBL bank credit card application status, visit the bank’s website and credit card section under it
  • Enter application reference number including the ‘#’ sign before the number
  • Enter the mobile number given during the application 
  • Submit the form to check the status

Standard Chartered credit card status

  • Visit the Standard Chartered bank’s credit card status tracker page
  • Enter application reference number including the # symbol before the same
  • Submit the form to check the status

Kotak credit card status

  • Visit the Kotak bank’s website to check credit card application status
  • From the list of products, select credit card 
  • Enter application number 
  • Submit the online form to check the status

YES bank credit card status

  • Visit the Yes bank’s website to check the credit card application status
  • Enter the mobile number as provided during the credit card application
  • Enter application form number or reference number
  • After entering the captcha, submit the online form to check the status

How to make a credit card application?

The first thing steps while applying for a credit card is to select one that fits one’s credit profile. The market is flooded with various credit card offerings that can be broadly categorised as shopping cards, lifestyle cards, women credit cards, fuel cards, business cards, travel, online shopping etc. A credit card applicant can select a credit card that offers benefits as per individual spending habits.

A credit card application can either be made online or offline. Here are details of both the modes of application:

  • Online mode: Every bank and credit card issuer has an online portal. Credit card applicants can visit the official website of the issuer and furnish details such as name, income, employment etc to begin the credit card application process. Once the application has been made, the bank will process the same and approve or reject the credit card application. The applicants can track their application status online or offline.
  • Offline mode: Credit card applicants can also visit the bank to fill in an application form and submit it along with the necessary documents. It can take approximately 15 days for a credit card application to be processed and either approved or rejected.

What is needed for checking credit card status?

A credit card applicant can check his/her application status online. Banks and issuers generally require certain information to allow users to check credit card application status. At the time of form filling for application status check, one can keep the below-mentioned details ready:

  • Registered mobile number (number provided at the time of credit card application)
  • Reference number/application number (Received post application)
  • Date of Birth
  • PAN

How do I check my credit card status?

While the process to check credit card application status could vary across banks and issuers, there is a common procedure followed by most. Here are the details of the same:

Steps to check credit card status online

Banks and card issuers provide convenience to applicants by allowing them to check their credit card application status online. A card applicant can easily check the credit card status by following the steps mentioned below. These steps may be applicable to most of the banks in India. However, some issuers may follow a different process for the same.

  • Visit the bank’s official website where the credit card application was originally made
  • Look for ‘track application status’ or ‘check application status on the website. It should be available under the credit card tab.
  • Provide the details required for tracking application status before submitting a request.
  • The website will share the credit card status once all the required information is entered.

Steps to check credit card application status offline

You can also use the offline mode for checking your credit card application status. Some common ways to check it offline are:

Through Customer Care

You can call on the bank’s customer care number to check the application status

The customer support representative will seek an application/reference number to check the status and revert back

Some banks also have the facility of a dedicated customer care number for credit cards

By Visiting the Branch

You can visit the nearest branch of the bank to enquire about the status of your credit card application

Usually, the helpdesk executive will ask you for the application number and the registered mobile number

Through SMS

Some banks also offer the facility of the status check through SMS

You just have to send the SMS in the correct format to the correct number

The status will be communicated through SMS

You should send the message from the mobile number registered with the bank

What results to expect from credit card application status check

Once an applicant has learnt how to view the application status of a credit card, it is important to know about the different stages and what they mean. This provides additional clarity on the credit card application status. Listed below are the various stages or results of a credit card application status check:

  • In Process: This status means that the bank has still has not processed the credit card application or is under the process of doing so. Under this, the bank checks the applicant’s documents and conducts a hard inquiry into his/her credit score. Once the bank reviews the application, it will decide whether to accept or reject the same.
  • Dispatched: If an applicant sees the credit card status as ‘Dispatched’, it means that the application has been approved and the bank or issuer has sent the credit card to the applicant through registered mail. In most cases, the credit card is available to applicants within 3-4 business days.
  • On-Hold: The bank or issuer may put a credit card application on hold in case any of the documents required in the process are missing. In some cases, the bank or issuer may be awaiting the applicant’s credit score details from credit agencies like CIBIL™. The applicant can call the bank or issuer for checking on the progress post this status. They can also write an email for further information.
  • Disapproved: One can see this status in case the bank has declined the credit card application. There could be various reasons including low credit score for disapproval of credit card application. The applicant may also not have met any eligibility criteria. In such cases, the applicant can call up the bank or issuer to check why the card was declined and the next steps.
  • No Records: This status may pop up in case the applicant enters incorrect details. Entering the wrong mobile number or credit card application number may result in this status. In such cases, the applicant can reload the page and try once again.

How to make credit card bill payments?

Credit card bill payments can be made online or offline every month. Here are the commonly followed procedures for bill payment across various card issuers:

  • Net banking: To make credit card bill payments through net banking, one must log in to the net banking website of the bank and go to the credit card section. Select the “Credit Card Payment Option” to pay the bills due using a bank account.
  • Autopay: If a card user tends to forget to pay credit card bills on time, there is an option for autopay facility which automatically deducts the due amount every month.
  • ATM funds transfer: Credit cardholders can make credit card bill payments through any ATM. This is available 24/7 for bank’s customers. The due amount on credit cards can be transferred from a savings bank account to a credit card account.
  • Online payment from another account: Credit card bills can also be paid using an account held with another bank, current or savings account.
  • Payment through bank’s website: Bill Desk web page can also be used for credit card bill payment. This is specially set up for credit card bills. One must fill out the required information including the credit card number and due amount. Once directed to the bank’s net banking portal, one can complete the credit card bill payment. The user will receive an online transaction confirmation and a Transaction Reference Number post a successful transaction.
  • Through another bank’s website: For those who don’t have a bank account with the credit card issuer, they can pay credit card bills through their bank’s online payment portal. The process is simple and can be carried out using NEFT and RTGS. The bill payment can take up to 2 working days for the credit to be reflected in the credit card account.
  • Cash payment: Credit card bills can also be paid in cash at one of the nearest branches in the city. A processing fee is applicable for every payment.
  • Cheque payment: Those who prefer to make credit card bill payments using cheques can do so in the same way as the process of paying by cash. The cheques can also be dropped by mentioning credit card numbers and other important details at the bank ATMs with drop boxes. The payment is generally cleared within 3 working days.

What are the important points to note before applying for a credit card?

Here are some of the important aspects to note before applying for a credit card for the first time:

  • Income - Credit card issuers often check the applicant’s income to verify their repayment capacity. An applicant’s income plays an important role in determining the acceptance or rejection of a credit card application. It acts as proof for the issuer that the user will be able to repay credit card bills on time. One can have far more card choices depending on the income bracket that one belongs to.
  • Choose a low credit limit - Credit card issuers often provide a low credit limit to new applicants to minimize the risk. As user’s get used to managing the credit card, the issuers may provide an increase in the credit limit. In most cases, the credit limit is linked to the user’s income. Thus, if a person with a lower income will have a lower credit limit and vice versa.
  • Credit card terms and conditions - It is very important for card applicants to know about all the applicable terms and conditions since they contain critical information that one agrees to while opting for a credit card. Do read about the card’s APR range, the applicable fees, how rewards work and all the other significant details. Also, take the proper time to read the fine print in the terms and conditions.
  • Interest applicability - Those who repay the credit card balance on time and in full in effect use the bank’s money free of cost since they do not need to pay any interest charges. Those who carry the balance from one month to another will be charged interest on the due amount as per the card’s APR (Annual Percentage Rate). The APR could range between 30-40%.
  • Grace period - A grace period is a period during which an issuer cannot charge any interest on the dues if the user pays the new balance in full and within the due date. The grace period starts from the end of the billing cycle and continues to the next payment due date. Those who miss out on the grace period due to non-payment of balance in full and before the due date will be charged interest on the unpaid balance.
  • Fees pertaining to the card – It is important to check all the major fees and charges pertaining to the card. These include joining fees, annual fees, transfer fees, cash advance fees, foreign transaction charges, over-limit fees, etc. Not knowing these before opting for a card can burden the user with unexpected costs.
  • Late payment charges- Every card user needs to know about the charges to be incurred on paying off the card balance after the supposed due date. Those who make late payments have to not only incur extra charges but the creditors often report these delays to the credit bureaus which can damage one’s credit history and lower their credit score.
  • Maintaining a low credit utilization ratio - It is important to be watchful about one’s spending irrespective of the available credit limit. This is because the credit utilization ratio affects overall credit health. A higher utilization ratio is considered bad even if one’s repayment history is good. Those who use more than 30-40% of their card limit may see a drop in the credit score since lenders will consider such individuals as bigger risks with card payments.
  • How do credit cards impact credit score - Credit cards impact one’s credit score since it narrates one’s financial management ability. Overcharging credit cards by spending beyond the available credit limit can badly impact the credit score.

Additional read – How to check credit card balance

Conclusion

It is important to check credit card status for applicants to get a clear idea about the possibility of getting a credit card and the associated timelines. With the availability of both online and offline modes, it is easy for applicants to keep a close track of credit card status.

Credit Card Status FAQS

1. How long is the processing of credit cards?

Most banks and issuers take 7-10 working days to process a credit card application. However, it could take longer in case of missing documents or if the bank has to put the application on hold for other undisclosed reasons.

2. What does it mean when your credit card application is ‘no records found?

This status could be in case you have entered an incorrect application/reference ID or a different mobile number than what was provided during the application. In such cases, you must wait 24 hours before re-checking the status since the bank may take some time to update the fresh application status in the system.

3. What happens if a credit card application is rejected? Can I apply for another card from the same bank?

If your credit card application was rejected, you can re-apply for a credit card from the same bank. Most card issuers expect applicants to wait for at least 6 months before re-applying for a card. This can help in improving the credit score again after post-application rejection.

4. What should I do to avoid my credit card application is rejected?

Always ensure to apply for the right credit card by checking whether you meet the eligibility criteria for the credit card. The card charges should also be affordable and match your income levels. Make sure to work towards a good credit score by ensuring regular and timely bill payments.

5. What should I do if I don’t have the application reference number for the credit card application?

It is important to have the application reference number for checking the credit card status. In case you don’t have it, you can try out the option of using a registered mobile number and OTP for recovering the reference number.

6. How many days does it take to get HDFC credit card?

After receiving a credit card application, it takes up to 21 working days to deliver an HDFC credit card. In case of any issues such as missing documents or missing information during the application, the process may be further delayed.

7. What is credit card eligibility?

Most credit cards have a minimum age requirement of 18 years. Apart from this, each bank or issuer has a minimum income requirement. Banks also check the applicant’s credit score before issuing a credit card.

8. Can I get a credit card with a 10000 salary?

While you can get a credit card with Rs. 10,000 as salary, you may have very limited card options to choose from. The higher the salary, the wider the options available.

9. Can a housewife get a credit card?

Yes, housewives can also avail of credit card facilities by showing a minimum earning per month. Some banks allow credit card applications if the applicant maintains a fixed deposit account with the bank.

10. Can I apply for a credit card without a job?

Unemployment doesn't result in disqualification from a credit card application. Card issuers look at an individual’s income before granting a credit card. As long as one meets the income criteria, he/she can avail of a credit card.

11. Can you get a credit card in one day?

Although many banks and issuers approve many credit cards in one day, it may not be possible to get the physical card within a day. Generally, it takes up to 7-10 days to get a credit card.

12. How long should you wait before applying for another credit card?

It is advisable to wait up to 90 days before applying for another credit card in case your application has been rejected. This ensures limited or no impact on credit score.

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