How to Activate Credit Card Online

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.

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.

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.

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.