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How to Activate Credit Card: Step By Step Guide 

31 May 2022

One of the most important things to note when it comes to activating credit cards is that the activation process for credit cards differs from bank to bank. It is not the same for all credit cards. Thus, it is very important that you follow the card-specific instructions that you receive when you get your credit card. 

Some banks may require you to activate the card online and some might require you to visit an ATM and get the card activated by swiping it. 

We have discussed a few basic steps in activating a Credit Card through both online and offline methods. Keep on reading to know everything! 

How to Activate Your Credit Card Online? 

You can activate your credit card online using Netbanking or through the bank’s mobile app. The steps to activate your credit card through these mediums are as follows: 

  • Steps to Activate Credit Card via Internet Banking

Step 1: Visit the bank’s official website and log in. 

Step 2: You will be able to see the option ‘Credit Card Activation’. Select that. 

Step 3: Fill in the requisite details like your credit card number, your date of birth, and the card expiry date. 

Step 4: In some cases, you may have to enter your ATM PIN or set your new PIN. 

Step 5: The same has to be verified using an OTP on your mobile number 

Activation via mobile app is similar to net banking. 

  • Steps to Activate Credit Card via Mobile App

Step 1: Download the bank’s official app and then log in. 

Step 2: Select an option called ‘Register’ and then click on ‘Activate a card’ and choose ‘Credit Card’. 

Step 3: Enter your credit card details. 

Step 4: Verify the OTP sent on your registered mobile number. 

Step 5: You will be asked to create a new user ID & Password and then your card will be activated soon after that. 

Also Read: Thing to know about Credit Card

How to Activate Your Credit Card Offline? 

If you don’t find yourself well versed with the online banking services or if your credit card can only be activated offline, you can do so with the help of customer care service or you can activate your card via SMS. 

  • Customer Care Service

You can visit your nearest bank branch and get in touch with customer service executives. They will guide you in activating your credit card. You can also call customer service and get guidance on activating your credit card on the phone. You would find the customer care numbers on the bank’s official website. 

  • Activate Your Credit Card Via SMS

You can also activate your credit card through SMS. However, make sure that you check with your bank if this option is available. 

You will have to send an SMS which will be predefined. It will probably be a specific number or it could also be your ATM PIN or MBANK. After you send the SMS, you will immediately get a response from the number about the activation process of your credit card. 

You can use any of the methods mentioned above to activate your credit card. Make sure that you check with your bank first before going ahead with anything. 

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