It is essential to learn how to activate a credit card because once your credit card application is approved and you receive your credit card, this is the first step you will take. Activating a card will allow you to enjoy the full range of rewards and benefits your credit card offers, including the welcome bonus. Activating your credit card also helps verify that you are the rightful owner of the card.
A credit card offers many benefits, and you need to activate it to unlock these benefits. Depending on your credit card issuer, various activation methods may be available. If your issuer is a bank, then you can use up to 5 activation options, such as:
- Online
- Mobile App
- Phone
- ATM
- Offline
How to Activate Your Credit Card
There are several ways to activate your credit card, but it’s important to follow these guidelines to ensure a smooth process:
- Activate your credit card within the period your credit card issuer has mentioned
- Keep your credit card credentials ready while activating your credit card
- Keep the registered mobile number within easy access to receive the OTP
- Check your internet connection if you are going for an online process
- Keep your credit card details and mobile on hand while using offline methods
Knowing how to activate a credit card and the many modes available simplifies the process. It all starts with choosing your preferred mode of activation. You can activate your credit card in five different ways. You can categorise these into two different methods, which are:
- Online Activation Process
- Offline Activation Process
Activation via Mobile App
A mobile application is the most common way to activate a credit card. Follow these steps to activate your credit via a mobile app:
- Download and install the credit card mobile app
- Click on ‘Activate a Card’ or ‘Get Registered’
- Select the ‘Credit Card’ option
- Enter your credit card details [like the card number, expiry date and your date of birth]
- Click/scan your credit card (if they have asked for it)
- Navigate to ‘Next’ and click on ‘Send OTP’
- Enter the OTP after receiving it on your registered mobile number
- Click on the ‘Submit’ button
- Create your ID and set a password for future usage
- Select a security question from the list available and share the answer
- Select ‘OK’
Activation via Internet Banking
This is another online method to activate your credit card. Follow these steps to activate your credit via Internet banking:
- Go to the bank’s website
- Use your login credentials to log in
- Click on ‘Card Activation’ on the home page
- Enter your card number
- Enter the card’s expiry date
- Enter your date of birth
- Click on ‘Submit’, and you will receive an OTP
- Enter your OTP and confirm your activation
Activation via Customer Support
You can also call customer care to get your credit card activated. To activate your credit card by contacting customer care, you need to follow these steps:
- Find the credit card activation number from the credit card kit
- Call the customer care number and wait for it to connect
- State your purpose and wait for them to guide you through
- Follow instructions shared by the customer care executive
- Confirm ‘Activation’ on completing the process
Activation via ATM
This is an offline process to activate your credit card. To activate your credit card using an ATM, follow these steps:
- Visit the nearby ATM operated by your credit card issuer
- Insert your credit card into the ATM
- Select ‘Activate Your Card’
- Enter your details and follow the prompt
- Confirm ‘Activation’ and create a PIN
Activation by Visiting Your Bank Branch
This option is only applicable if your credit card issuer is a bank. Let’s proceed to learn the steps to activate your credit card by visiting a bank branch:
- Visit your credit card issuing bank’s branch
- Find a representative who handles credit cards
- Speak to the representative and request him or her to assist you with your activation process
- Provide the details required for this process
- Complete the application process and follow instructions to change your PIN
Once you have activated your credit card, only then can you unlock all the benefits attached to it. However, some cards allow you to use the virtual variant immediately after you get approval. All you need to do is generate the digital card and use it to transact immediately.
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