Once you get approval on your application, you need to activate a credit card to unlock its full potential and enjoy its benefits. Until you activate it, you cannot use it for any transactions, purchases, or cash withdrawals.
Here’s how to reach the activation process:
- Compare cards and choose one
- Apply for that card
- Pay the joining fees (if there’s any)
- Receive your credit card kit
- Finally, start the activation process
Nowadays, issuers provide you the benefit of choosing from various ways to activate a credit card. Once you have learnt about the options, you can choose a method as per your convenience.
Ways to Activate Your Credit Card
You can choose to activate your card in a variety of ways digitally or offline.
Online Process
- Use the mobile app
- Log in to your online account
Option 2: Offline Process
- Call the customer support
- Use an ATM
- Visit the issuer’s branch
Step-by-step Guide to Activate a Credit Card
After picking whichever option suits you the best, you can follow these steps to activate your credit card. While the steps below are general, they will help you understand the basic process.
Through the Mobile App
- Step 1: Download the issuer’s mobile app
- Step 2: Register on the app if you haven’t already
- Step 3: Go to the activation option
- Step 4: Share your information
- Step 5: Confirm and complete
- Step 6: Set your PIN
Choose a pin that is easy for you to remember. Credit card pins are all-number pins, so do not be too obvious, and pick your birthday as your pin. This number adds security to your transactions, so be smart about what you choose.
Using Net Banking
- Step 1: Go to the issuer’s official website
- Step 2: Register if you’re a new customer or simply login using the credentials
- Step 3: Navigate to the activation section
- Step 4: Enter the required information
- Step 5: Confirm the activation
- Step 6: Set a PIN of your choice
Once you have completed the steps, check your card and try to use it. Your credit card bill generation date usually starts from the date of your card activation.
Via Customer Support
- Step 1: Call the customer service number of the issuer
- Step 2: Provide your credit card details as requested by the representative
- Step 3: Follow their instructions to complete the activation process
- Step 4: Set your credit card PIN
Through the ATM
- Step 1: Visit your nearby ATM
- Step 2: Insert your credit card into the machine
- Step 3: Follow the prompts displayed on the screen
- Step 4: Confirm the request and submit
- Step 5: Set a PIN as per your choice
Once you complete this step, you can contact the customer service team to know the activation status.
Through the Issuer’s Branch
- Step 1: Visit the nearby branch of the issuer
- Step 2: Request a representative to initiate the card activation process
- Step 3: Provide the required details and complete the activation
- Step 4: Set the PIN of your card
Get your confirmation and activation status before you use your credit card.
How to Know Whether Your Credit Card is Activated?
Typically, the issuer notifies you about the activation of your card through SMS, email or mobile app notifications. You can check whether your card is working properly through these ways. You must spare a few minutes to check if the card is activated. This can help you in case you need to make any urgent payments.
- Try to check your balance and credit limit from the mobile app
- Next, try to use it at least to buy something online
If it works, then you have successfully activated your credit card. However, if it doesn’t work, call customer services. Only after you activate your credit card can you access all the benefits your card has to offer.
If you are looking for a credit card that makes activation simple, then One Credit Card may be the best option for you. Its powerful mobile app makes life easy, and you can activate your card using it. What’s more, you can use it to check offers near you to get discounts on shopping and dining.
The One Credit Card app also makes it easy for you to convert bills into EMIs and set spending limits so you can stay on budget. You can also enjoy earning 5X reward points on your top two spending categories each month and redeem them on the app. To get this stylish metal card online, apply now!
