How to Activate Credit Card Online?

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How to Activate Credit Card

Credit cards have become one of the most essential payment mechanisms today. The first thing you need to do post availing 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. 

Read on below to learn more about how to activate credit cards issued by most major banks in India. 

Online

Offline

Internet Banking

Customer Care

Mobile Application

SMS

Ways to Activate Credit Card Online

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. You can either activate your credit card through internet banking or you could choose to activate it through the mobile application of the bank or financial institution that has issued the credit card. Read on below to learn more about how to activate a credit card online through these two methods.

Activating your Credit Card through Internet Banking

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

  • Log into the portal for internet banking by sharing your customer ID and password.

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

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

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

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

Activating 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.

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

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

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

  • You will receive an OTP on your registered mobile number, which you enter into the field specified on the screen. Click ‘Submit’ once you have entered the OTP.

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

  • 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. 

Ways to Activate Credit Card Offline

In case you are uncomfortable using online means to activate your credit card, you can always choose the offline route. If you have always wondered how to activate a credit card, you can now find out by reading below. 

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

  • Activating your Credit Card 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. 

  • Activating 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.

How to Activate Credit Cards of Top Banks

While the process to activate credit cards remains the same across most banks, it is best to check how to enable credit card for online transactions at your own bank. Read on below to learn how to activate credit cards for the top banks in India.

1. RBL:

Activating RBL credit cards is extremely easy since the bank offers several routes for cardholders to activate their cards. Read below to learn which route might be the best for you.

  • You can activate credit cards by heading to the bank’s official website and opting for netbanking.

  • You can opt for mobile banking to activate your credit card through the mobile app.

  • You can also activate your RBL credit card by calling the toll free customer care number from your registered mobile number.

2. Citibank

Citibank offers several methods to activate credit cards. You can choose from among the 3 methods listed below on which is the best way for you to activate your card. 

  • You can visit the bank’s website and opt for activating your Citibank credit card through internet banking.

  • You can activate your credit card through the Citibank mobile application.

  • You can also reach out to customer care via their toll free number to activate your credit card.

3. State Bank of India:

This bank allows several methods for activating your SBI credit card. Read on below to learn about the processes.

  • You can use the internet banking function through sbicard.com.

  • You can send an email to sbicard.com/email.

FAQs on How to Activate Credit Card?

  • ✔️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.