Once you have submitted your credit card application, you must check its status and understand the current stage of your application. You can track your credit card application status either online or offline to find if the financial company has approved or rejected your application.
Once you have this information, you can decide if you need to apply for a new card to manage your financial requirements. It also helps you understand if you need to contact customer care to provide any additional details if the application is on hold.
Via the Credit Card Company’s Website
✅ Step 1: Visit the official website of the financial institution.
✅ Step 2: Navigate to the Credit Cards section and find the Track Application Status option.
✅ Step 3: Enter the required details for verification, such as:
- Application ID
- Registered mobile number
- PAN Card Number
- Date of Birth
✅ Step 4: Click on Submit or Proceed to view the status.
✅ Step 5: If required, enter the OTP sent to your registered mobile number for verification.
Via Email
✅ Step 1: Visit the official website of the bank/NBFC.
✅ Step 2: Go to the Contact Us section and find the customer support email address.
✅ Step 3: Open your email and compose a new message.
✅ Step 4: Mention the following details in the email:
- Application ID
- Registered mobile number
- PAN Card Number
- Date of Birth
✅Step 5: Send the email to the bank's official customer support email ID
✅ Step 6: Wait for a response from the bank regarding your application status.
Via Credit Card Company’s Mobile App
✅ Step 1: Install the official mobile app of the financial institution.
✅ Step 2: Log in using your credentials or create an account if you don’t have one.
✅ Step 3: Navigate to the Credit Cards section.
✅ Step 4: Tap on the Track Application option.
✅ Step 5: Enter your Application Reference Number, Registered Mobile Number, Date of Birth, and PAN card number.
✅ Step 6: Click on Submit to check the application status.
Via Customer Care Helpline
✅ Step 1: Find the customer care number of the credit card provider.
✅ Step 2: Call the customer care helpline and follow the IVR instructions.
✅ Step 3: Speak to an executive and request a credit card application status update.
✅ Step 4: Provide the required details for verification.
✅ Step 5: After verification, the executive will update you on your application status.
Via Branch Visit
✅ Step 1: Locate the nearest branch of the credit card company.
✅ Step 2: Visit the branch and approach a representative.
✅ Step 3: Request an update on your credit card application status.
✅ Step 4: Provide necessary details for verification.
✅ Step 5: The representative will check and update you on your application status.
Via SMS Facility
✅ Step 1: Register for the SMS Banking facility of the financial institution if required.
✅ Step 2: Find the specific SMS keyword for tracking application status (mentioned on the bank’s website).
✅ Step 3: Type the message in the given format and send it to the official SMS banking number.
✅ Step 4: Wait for a response from the bank regarding your credit card application status.
Status |
Meaning |
In Progress |
Your credit card application is under review. |
On Hold |
The bank has put your credit card application on hold. Additional documents may be required for verification. |
Approved |
Your application is approved, and your credit card will be dispatched soon. |
Rejected/Disapproved |
Your application has been rejected due to unmet eligibility criteria. |
Dispatched |
Your credit card is in transit and will be delivered soon. Track using the Air Waybill number. |
No Records Found |
Incorrect details entered. Verify your application reference number, mobile number, or date of birth. |
How will I know if my credit card application has been approved/rejected?
You will get to know about your credit card application status by tracking it online or offline. You can either check its status on the financial institution’s website, mobile app or via email. You can also get the information by calling the customer care helpline or by visiting a nearby branch.
What is an Air Waybill number?
If your credit card is approved and has been dispatched, the credit card company will notify you via SMS or email. They will mention the Air Waybill (AWB) number and details of the logistics provider as well.
This AWB number is related to the shipment, and you can use it to track the status of the courier via the courier company’s website or app.
How to increase credit card approval chances?
A good credit score is critical to increase your chances of approval. Ensure that you have a credit score of approximately 750 and above before you apply for a card. Also, ensure you check the eligibility and documentation requirements beforehand and provide the correct documents.
You must also check the minimum monthly income parameter set by the credit card company and provide evidence regarding a stable income and employment.
When can your credit card application get rejected?
The financial institution may or may not provide a reason for credit card rejection. However, some common reasons for rejection include a low credit score, unstable nature of employment, and insufficient income.
If you are employed with a delisted private company and if your age is not within the prescribed limit, your application may get rejected. Also, owning multiple credit cards can also reduce your chances of getting a new credit card.
How long does it take to get approval after applying for a credit card?
The credit card approval process can take any time between 7 and 21 days after you submit the application form along with all the required documents. However, despite this, there still lies a chance of rejection, depending on the provider’s policies.
What does it mean if my credit card application status says ‘No Records Found’?
You will see a ‘No Records Found’ message if the information entered, be it PAN, mobile number, or application reference number, is incorrect. Re-check and enter the correct details to view your credit card application status.
What do I need to do to avoid credit card rejection?
Following tips can help in avoiding credit card application rejection:
- Maintain a healthy credit score of at least 750
- Refrain from changing jobs frequently since it may display employment instability
- Ensure that your income is above the specified limit of the respective card
- Pay all your debt on time to ensure that you do not get classified as a defaulter
- Ensure that you satisfy all the eligibility criteria and submit all the required documents
I do not have the application reference number. How do I proceed?
You will need the application reference number for tracking your credit card application. If you do not have it with you, you can quickly get in touch with your provider’s customer service team.
Many financial institutions also help you check the status via mobile number, PAN number, and date of birth.
