Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How to Activate a Credit Card

    The activation process for credit card differs from one to another. The process is not the same for all credit cards. Therefore, it is very important that you follow the activation steps specified for your particular credit card. While few credit card providers allow their cardholders to activate their credit card via their netbanking account, few prefer the ATM activation process.

    How to Activate Credit Card Online

    Steps to Activate Credit Card via Internet Banking

    • Step 1: Visit the official website of the bank
    • Step 2: Log into the internet banking portal with your user ID and password.
    • Step 3: Select ‘Card Activation’
    • Step 4: Type in your credit card number, your date of birth, and the expiry date.
    • Step 5: Select ‘Submit’
    • Step 6: Enter your ATM PIN and choose ‘Submit’
    • Step 7: You will get an OTP on your mobile phone
    • Step 8: Enter the OTP and select ‘Continue’

    Steps to Activate Credit Card via Mobile Application

    • Step 1: Download the mobile app of the bank and then log into the portal
    • Step 2: Select ‘Register’ or then click on ‘Activate a card’
    • Step 3: Choose ‘Credit card’
    • Step 4: Enter details like the expiry date, the card number, and your date of birth.
    • Step 5: Select ‘Next’ and click on ‘Send OTP’
    • Step 6: You will get an OTP on your registered mobile number
    • Step 7: Enter the OTP and select ‘Submit’
    • Step 8: Create a new user ID and password
    • Step 9: Choose and answer one security question
    • Step 10: Select ‘OK’

    How to Activate Credit Card Offline

    Steps to Activate Credit Card Via Customer Care Service

    You can easily activate your credit card by reaching out to the bank’s customer care service. Once you contact the bank’s customer support department, they will guide you in activating your credit card. You can visit the bank's official website to find the customer care numbers.

    Activate Your Credit Card Via SMS

    There are many banks that will allow you to activate your credit cards by sending an SMS to the bank’s customer care number. You will have to check with your bank to see if this option is available. You will have to send an SMSM which is predefined and this has to be sent to a specific number. The SMS could be your ATM PIN or MBANK. After you send the SMS to the number, you will get a response from the number immediately about the process of the activation of your credit card.

    Activation Process of Top Bank Credit Cards

    How to Activate State Bank of India (SBI) Credit Cards

    The bank allows for several ways to activate your credit card. You can either log in to your account at sbicard.com or email to sbicard.com/email. If you log in to the website, you can log in using your user id and password. You can then click on the ‘Requests’ menu and then choose the card number from the drop-down menu which you wish to activate. Click on the activate button. Your card will be activated instantly.

    How to Activate ICICI Bank Credit Cards

    ICICI Bank will send you your credit card PIN to the postal address you have given within a week of the bank sending the credit card to you. In order change the PIN that has been set by default, you have to log int the bank website via net banking.

    • Step 1: Go to My Accounts
    • Step 2: Select credit cards
    • Step 3: Generate the credit card PIN.
    • You can also do this via the ICIC Bank app.
    • Step 1: Download the ICICI bank mobile app
    • Step 2: Log into the portal
    • Step 3: Click on ‘Smartkeys and Services’
    • Step 4: Select card services.
    • Step 5: Generate your credit card PIN.
    • You can also visit the any ICICI ATM, insert the credit card and activate the card using the default PIN and then change the PIN.

    How to Activate YES Bank Credit Cards

    You have to log into the net banking portal of the bank with your user ID and password to activate your YES Bank credit card.

    • Step 1: Click on Credit Cards
    • Step 2: Select ‘PIN SET/ RESET’
    • Step 3: Choose the card that needs to be activated
    • Step 4: Select submit.
    • Step 5: Enter the default PIN.
    • Step 6: Enter the OTP which is sent to your mobile number.
    • Step 7: Set the new PIN.

    How to Activate Kotak Mahindra Bank Credit Cards

    Kotak Mahindra will send your credit card and then the PIN in separate mails to the address you have registered with the bank. After you get the credit card and the PIN, you can easily activate the credit card at any Kotak Mahindra ATM. You can also use net banking or mobile banking to activate your credit card. You can also generate an instant PIN on the bank's website and find the service under the transaction services.

    You can also call the bank’s IVRS service then follow the process they guide you through to reset the PIN.

    You can log into the account through net banking and then change your PIN and set up your new six-digit PIN. You can also do the same via the bank's mobile app by clicking ‘Regenerate PIN’.

    How to Activate HDFC Bank Credit Cards

    HDFC Bank will send your credit card and then the PIN in separate mails to the address you have registered with the bank. The HDFC credit card can be activated only at an HDFC ATM. You have to reach out to the bank's customer care and they will give you an OTP which will be sent to the mobile number you registered with the bank.

    • Step 1: Click ‘create a new PIN using OTP’.
    • Step 2: Enter the OTP
    • Step 3: Set up the PIN

    You can also activate your credit card via net banking.

    • Step 1: Select credit cards
    • Step 2: Choose Credit Card ATM pin
    • Step 3: Click on the PIN option and generate the new PIN
    • Step 4: This will be sent to you via post.
    • Step 5: Visit an ATM and activate the card.

    How to Activate Axis Bank Credit Cards

    Axis Bank offers different ways to generate a new PIN for you credit card.

    You can call the bank's customer care or reach out to the interactive voice response system (IVRS) for creating a new PIN and activating your credit card.

    You can generate your credit card PIN by logging into the mobile app or the internet banking portal.

    You can also activate your credit card by visiting any Axis Bank ATM. The bank also has an IVRS for activating credit cards.

    • Step 1: Choose credit cards
    • Step 2: Select ‘Generate Credit Card PIN and activation code’.
    • Step 3: Enter your card number, date of birth, and expiry date.
    • Step 4: After you validate the details, you will get an activation code on the mobile number you registered with the bank.
    • Step 5: Call the IVRS or customer care number once you get the activation code.
    • Step 6: Select ‘Generate Credit Card PIN, I have an activation code’.
    • Step 7: Enter your code and then set the credit card PIN.

    You can also activate your credit card via the mobile app

    • Step 1: Log into the portal
    • Step 2: Click on ‘My Controls’
    • Step 3: Select credit card
    • Step 4: Click on SET PIN option
    • Step 5: You will get an OTP
    • Step 6: Validate the OTP
    • Step 7: Set up the PIN

    You can follow the same process for activating our credit card via net banking

    • Step 1: Log into the portal
    • Step 2: Click on ‘More Services’
    • Step 3: Select ‘PIN Change’
    • Step 4: Enter your PIN
    • Step 5: You will get an OTP
    • Step 6: Validate the OTP

    FAQs on How to Activate a Credit Card

    1. Can I change the PIN set by the bank on my credit card?

      Yes, most of the banks will give you a default PIN with your credit card. You can always continue to use the PIN for your transactions, and also change the PIN as it will be more convenient and safer. You will have to check with the bank to find out how to change the PIN.

    2. Why does my new credit card not work?

      Your new credit card will reach you in the ‘deactivated’ form in order to ensure its security. For activating the credit card, you have to enter the PIN for the credit card. The PIN will be sent to you by the bank at the address you registered with the bank within seven days of getting the card. You can also generate a PIN via net banking or mobile banking. You will have to go through the instructions that you get with the credit card and follow the process to activate the card. The process will be different for all banks. You can visit the bank website or call the customer care of the bank to get more details.

    3. Can I activate credit card offline?

      Yes, you can always activate your credit card offline. This can be done by calling the bank’s customer care or by visiting a branch of the bank.

    4. Do I need to verify my identity at the time of delivery of my credit card?

      Yes, when you get the credit card, these documents will have to be submitted:

      • Passport
      • Driver’s licence
      • Aadhaar Card
      • PAN Card
      • How do I activate my Visa credit card?

        For activating your visa credit card, you can go online or do it offline. You will have to log into the banking portal or mobile app.

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