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The first thing you need to do after getting a credit card is to activate it. Activating a credit card will let you use it conveniently to make your purchases. It is often a very simple process and can be done easily both online and offline. While the process of how to activate a credit card might differ from bank to bank, the methods remain more or less uniform across the major banks and financial institutions of India.

How to Activate Your Credit Card

If you are trying to learn how to enable a credit card for online transactions, it's important to know that there may be more than one method.

Online Methods

Through Internet Banking

  1. Head to the official website of the bank or financial institution that has issued the credit card

  2. Log into the portal for Internet banking by sharing your customer ID and password

  3. Head to ‘Card Activation’ and submit details, such as your credit card number, your date of birth, and the expiry date of the card

  4. Enter your ATM PIN in the specified field and click on ‘Submit’

  5. You will receive an OTP on your registered mobile number

  6. Submit the OTP you have received on the web page and select ‘Continue’ to activate your credit card

Through Mobile Banking

Once you have downloaded the mobile application of the bank that has issued your credit card, you need to log into the app or register yourself if this is the first time you are using the app.

  1. Head to the ‘Activate a Card’ section and select ‘Credit Card’ from among the types of cards listed

  2. Enter details of the credit card number, its expiry date, and your birthday into the fields specified.

  3. Once you have entered these details, click on ‘Next’ and ‘Send OTP’

  4. You will receive an OTP on your registered mobile number, which you enter into the field specified on the screen

  5. Click ‘Submit’ once you have entered the OTP

  6. Once you have validated your profile, create a new user ID and password

  7. You will be prompted to select and answer one security question. Select ‘OK’ once you have done that


By following these simple steps listed above, you should be able to activate your credit card online with extreme ease.

Offline Methods

If you choose to activate your credit card offline, the processes have been listed out below for your easy reference.

Through Customer Care

You can reach out to the bank or financial institution’s customer care team by locating the number on their website. You can then request them to activate your credit card.

Through SMS

Many banks let customers activate their credit cards by sending an SMS to a number usually connected to the customer care team. Check with your bank about the predetermined format of the SMS you must send to activate your card.

Frequently Asked Questions

Are credit cards automatically activated?

No, credit cards need to be manually activated.

Do credit cards need to be activated?

Yes, credit cards need to be activated manually.

How do I know if my new credit card is activated?

You can reach out to the issuer’s customer care and check if your credit card has been activated.

Can we activate a credit card online?

Yes, you can easily opt for either net banking or mobile banking to activate your credit card online.

How can I activate my credit card without calling?

You can opt for netbanking, mobile banking, or simply sending an SMS from your registered mobile number to activate your credit card without calling.

How to enable credit card for online transactions?

To enable your credit card for online transactions, you first need to activate it.

How to activate credit card for international usage?

Once your credit card is activated, you can reach out to the issuer’s customer care team to activate it for international usage.

How do I activate my credit card?

To activate your credit card, typically you can either call the activation number provided on the sticker attached to the card or log in to your online banking portal and follow the activation instructions.

Is it necessary to activate my credit card?

Yes, activating your credit card is necessary to start using it for transactions. Activation ensures that you have received the card and verifies your identity as the cardholder.

How long do I have to activate my credit card after receiving it?

The timeframe for activating your credit card varies by issuer. However, it's generally recommended to activate it as soon as possible after receiving it to avoid any delays in using the card.

Can I activate my credit card online?

Yes, many credit card issuers offer online activation services. You can typically activate your card through the issuer's website or mobile app by providing the required information.

What information do I need to activate my credit card?

To activate your credit card, you may need to provide details such as the card number, expiration date, security code, and any other personal information required for verification.

What should I do if I encounter issues while activating my credit card?

If you encounter any issues while activating your credit card, such as incorrect information or technical difficulties, you should contact the credit card issuer's customer service helpline for assistance.

Can I start using my credit card immediately after activation?

Once your credit card is successfully activated, you can start using it for transactions immediately, provided that the card has been activated within the issuer's specified timeframe and all activation requirements have been met.

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