How to Activate Credit Card: Step by Step Guide

When you receive your credit card, you will be required to activate it in order to be able to make any transactions using your credit card. There are multiple ways to activate credit card, including both online and offline methods.

The ways to activate credit card differ from bank to bank. However, there are a few common steps to follow.

Steps to Activate Credit Card via Internet Banking

Follow these simple steps to activate credit card using your bank’s online portal-

  • Visit the bank’s official website
  • Log in to your internet banking account using your login credentials
  • On the home page, click on ‘Card Activation’
  • Enter your card number, the expiry date and your date of birth
  • After entering your details, click on ‘Submit’
  • On the next screen that appears, enter your ATM PIN and click on ‘Submit’
  • You will then receive an OTP on your contact number
  • Enter the OTP and click on ‘Continue’

Your credit card will then be activated and will be ready for use.

Read More: Which is the Best Credit Card for You? Make the Choice

Steps to Activate Credit Card via Mobile Application

To activate credit card using your bank’s mobile application, follow these steps-

  • Download and login to your bank’s mobile application
  • Click on ‘Register’ or ‘Activate a card’
  • Select ‘Credit card’ option
  • Enter your details like the card number, expiry date and your date of birth (You might also be asked to click/scan your credit card using the application)
  • Click on ‘Next’ and then, click on ‘Send OTP’
  • An OTP will be sent to your registered mobile number
  • Enter the OTP and click on ‘Submit’
  • Create your user ID and password
  • Select and answer one security question from the list available
  • Click on ‘OK’

Your credit card will not be activated and will be ready for use.

Read More: How to Apply for a Credit Card - The Complete Guide to Credit Card

Steps to Activate Credit Card via Customer Support Service

You can also activate credit card by contacting your bank’s customer support service. To do so, you will need to contact your bank’s customer support staff and follow the steps as requested. You can find their contact information on the official website of your bank/credit card issuing company.

FAQs
Can I activate credit card offline?
Yes, you can activate credit card offline by either calling your bank’s customer support service staff or by physically visiting your bank’s branch. You find your bank’s contact details on the official website of your bank.
How to activate new credit card?
To activate a new credit card, you can use both online and offline steps. To activate credit card online, you need to log in to the online banking portal or the mobile application of your bank. Select the ‘Activate Credit Card’ option and follow the prompts.
    Do I need to verify my identity at the time of delivery of my credit card?
    Yes, at the time of delivery of your credit card, you will be required to furnish either of the following documents-
    • Driver’s License
    • Passport
    • PAN Card
    • Aadhaar Card
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