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Credit Card Net Banking 

To control the features as well as the use of your credit card, top banks in the country offer credit card netbanking services. Once you register for the service, you can log in to your credit card netbanking account and access your card from anywhere and at any time. If you haven't created your credit card netbanking account yet, below are steps for first-time users to register, steps to log in to the netbanking account, along with the various benefits of availing the netbanking credit card facility. 

How to Register for Credit Card Netbanking 

If you are a new user, you must complete the credit card netbanking registration process before you can proceed with the credit card login. Here are the steps you must follow for credit card netbanking new registration:

  • Step 1: Visit the credit card login page on the lender’s official website.

  • Step 2: Click on the credit card netbanking sign-up option.

  • Step 3: Enter the requested details and accept the terms and conditions.

  • Step 4: Validate with the OTP sent to your registered mobile number.

  • Step 5: Click on ‘Continue’.

  • Step 6: Enter a strong IPIN and ‘Submit’.

Once the registration process is complete, you can log in to your netbanking credit card account using the credit card customer ID and your IPIN.

How to Login to Your Credit Card Account 

If you are an existing user, you can easily do the Credit Card login using your credentials and access the numerous online services offered by your bank. Below mentioned are steps for credit card login:

  • Step 1: Visit the credit card netbanking page of your bank.

  • Step 2: Log in to the account using the credit card customer ID and password.

  • Step 3: You might get an OTP on the registered mobile number to authenticate your identity.

  • Step 4: Enter the OTP and click on ‘Submit’. 

  • Step 5: You should be logged into your credit card netbanking account.

Features of Credit Card Netbanking 

The online credit card netbanking facility offers a range of services related to your credit card. Once the credit card login is done, you can:

  • Access account information, including the total credit limit, available credit limit, cash limit, outstanding, etc.

  • View unbilled transactions

  • View/redeem accumulated reward points

  • View details about new offers

  • Block credit card

  • Set up auto-pay facility

  • Make credit card payment through netbanking

  • Increase your card’s transaction limit

  • Apply for a credit card upgrade

  • Convert purchases into EMI

  • Apply for instant cash loans

  • Ensure secure credit card transactions

FAQs on Credit Card Netbanking

✔️What can I do if I have queries regarding credit card netbanking login?

In case you come across any problem while using the credit card netbanking portal or have any doubts, such as questions related to your credit card payment, offers, etc., you can contact the credit card customer care helpline. The credit card customer helpline numbers are active 24x7 in most cases

✔️What might be the reasons that my credit card netbanking account is blocked?

Your credit card netbanking account can be blocked if you enter the incorrect IPIN more than 3 to 5 times (varies from lender to lender) or if you have not used the service for over 120 days.

✔️Are there any charges to using the credit card netbanking account?

No, there are no charges levied for using the credit card netbanking service.

✔️How do you link a credit card to netbanking?

To link your credit card to netbanking, you must first register for the credit card netbanking facility with the issuing bank. Once you have completed the credit card netbanking registration, follow the steps mentioned below:

  • Log in to your netbanking account.

  • Go to the ‘Credit Card’ section.

  • Select “Register New Card’.

  • Enter the credit card details, as requested.

  • You should receive an OTP on your registered mobile number.

  • Enter the OTP and click on ‘Submit’.

  • Your card will be linked to your netbanking account.

✔️How does a credit card differ from a debit card?

Although both credit cards and debit cards may look the same, they work in completely different ways. A debit card is linked to a bank account; each time you make purchases, payments or cash withdrawals using the card, funds from your bank account are deducted. You can only use a debit card if you have enough funds in your bank account. 

A credit card, on the other hand, is more like a line of credit. Each time you use your card for a purchase, withdrawal or payment, you essentially borrow money from the card issuer. The amount that you borrow would have to be repaid within the specified due date mentioned in your monthly credit card statement. 

Failing to do so will attract a penalty and may also lead to you having to pay interest on your borrowings. With credit cards, you can pay for products and services even when you’re short on cash. 

✔️What is the absolute due and least due on credit cards?

The absolute due, also known as the total amount due, is the total amount of money that you’ve spent during a monthly billing cycle. This is the amount that you will have to repay on or before the specified due date to avoid running into issues like penalties, interest or card deactivation. 

The least due, also known as the minimum amount due, is a percentage of the total amount due during a monthly billing cycle. It is the minimum amount that you would have to pay on or before the due date to keep your card active. However, if you choose to pay just the minimum amount due, you will lose the credit card interest-free period and interest will be levied on your remaining outstanding dues till the time you completely pay them off. 

You can find out the total amount due and the minimum amount due by accessing the credit card’s online login portal with your user credentials.

✔️Do credit cards charge interest rates if they fail to pay?

Yes. All credit cards levy interest if you don’t clear the total outstanding amount on or before the given due date. The interest will continue to be charged on the outstanding amount till the time the entire dues are settled. The rate at which it is charged, however, may vary from one credit card to another.