<p>Credit cards have become a must-have. Its ‘buy-now, pay later’ concept helps you enjoy a 20-50 days interest-free period. To make things merrier, HDFC Bank credit card allows you to earn rewards and cash backs and enjoy discounts and offers that add value to every penny spent on the credit card. But like all other financial tools, they too are prone to misuse. Thus, ensuring the safety of the card becomes extremely important. It is for this simple reason that every HDFC credit card is received in a deactivated mode. It needs to be activated before your first transaction.</p><p>How to activate an HDFC credit card? Well, the answer to this question is simple. HDFC Bank offers numerous channels through which its credit card customers can activate their credit cards. These include:</p><ul><li>Through Online Mode</li><li>Through Net banking</li><li>Through Mobile Banking</li><li>Through Offline Mode/ ATM</li></ul><h2><strong>How To Activate Your HDFC Credit Card Online?</strong></h2><p>How to activate your HDFC credit card online? Follow these simple steps:</p><ul><li>Visit HDFC Bank website</li><li>Login to your personal baking account using the customer&nbsp; user ID, password&nbsp;</li><li>Navigate to the ‘Cards’ option</li><li>Select ‘Credit Cards’ from drop-down menu</li><li>Click on ‘Requests’</li><li>Select ‘Instant PIN generation’</li><li>Select the card number you wish to generate the PIN for</li><li>Enter a 4 digit PIN of your choice</li><li>Re-enter PIN to confirm</li><li>Click on Confirm</li><li>Click on your mobile number to receive OTP</li><li>Enter the OTP received to activate HDFC Bank credit card PIN number</li></ul><h2><strong>How to Activate HDFC Credit Cards through Netbanking?</strong></h2><p>HDFC Bank credit card customers can activate their HDFC Credit Card through HDFC Netbanking. The step-by-step procedure is:</p><ul><li>Visit bank website</li><li>Use Customer ID, password to login to net banking portal</li><li>Click on the Credit Card tab</li><li>Enter ‘Credit Card ATM PIN’ in the ‘Requests section</li><li>Select the Credit Card number you wish to continue with</li><li>Confirm request</li><li>A new credit card PIN will be sent to your registered mailing address</li><li>Visit your nearest HDFC Bank ATM to change the PIN</li></ul><h2><strong>How to Activate HDFC Credit Cards through Mobile Banking?</strong></h2><ul><li>Download HDFC Bank mobile banking app</li><li>Install the app using banking credentials</li><li>Log in to the app using mPIN&nbsp;</li><li>Go to the ‘Cards’ option</li><li>Choose ‘Credit Cards’ from the drop-down menu</li><li>Click on ‘Requests’</li><li>Choose ‘Instant PIN generation’</li><li>Choose the card number you wish to generate the PIN for</li><li>Enter a 4-digit PIN of choice</li><li>Re-enter 4-digit PIN to confirm</li><li>Click on Confirm</li><li>Click on your mobile number to receive OTP</li><li>Enter the OTP received to activate HDFC Bank credit card PIN number</li></ul><p>&nbsp;<strong>How to Activate an HDFC Credit Card Through an ATM?</strong></p><p>HDFC Bank credit card can be activated offline through an ATM. To activate your HDFC Bank credit card offline, visit the nearest HDFC Bank ATM. The step-by-step procedure on how to activate HDFC credit card through ATM is as follows:</p><ul><li>Visit HDFC Bank ATM</li><li>Swipe your credit card in the ATM machine and choose your preferred language</li><li>Select ‘Create new PIN using OTP’ option</li><li>Confirm your option</li><li>Soon there will be an OTP received on the mobile number linked with the HDFC account</li><li>Enter the OTP received on the ATM screen</li><li>Enter your mobile number for cross-verification</li><li>Create a new 4-digit PIN of your choice</li><li>Retype PIN number and confirm</li><li>You will receive an SMS on your registered mobile number on successful activation of your PIN.</li></ul><h2><strong>How to Change HDFC Credit Card PIN?</strong></h2><p>Once you receive your HDFC Bank credit card, a default PIN will be received separately within 7 days of receiving the card. While one can continue to use an HDFC Bank credit card with the default PIN number, it is recommended that the default PIN be changed for safety reasons. One can also change a credit card PIN if one forgets it. Alternatively, it can be changed from time to time for added security.&nbsp; HDFC Bank credit card PIN can be changed in three ways:</p><ul><li>HDFC Bank Credit Card PIN Change through Net Banking</li><li>HDFC Bank Credit Card PIN Change through ATM</li><li>HDFC Bank Credit Card PIN Change through SMS</li></ul><p><strong>HDFC Bank Credit Card PIN Change through Net Banking</strong></p><ul><li>&nbsp;Visit the net banking portal</li><li>Login to your HDFC net banking account using net banking credentials</li><li>Click on 'Cards'</li><li>Move to ‘Credit Card'</li><li>Select 'Credit card options'</li><li>Go to 'Change PIN'</li><li>Soon there will be an OTP received on the mobile number linked with the HDFC account</li><li>Enter the OTP and continue</li><li>Create a new 4-digit PIN of choice</li><li>Re-enter the same</li><li>Submit a request to change your PIN</li></ul><p>Your HDFC Bank credit card PIN will be updated to the new one.</p><p><strong>HDFC Bank Credit Card PIN Change through ATM</strong></p><ul><li>Visit nearest HDFC Bank ATM</li><li>Swipe your credit card in the ATM machine</li><li>Select preferred language</li><li>Choose ‘Create new ATM PIN using OTP’ option</li><li>Soon there will be an OTP received on the mobile number linked with the HDFC account</li><li>Enter OTP received on your mobile</li><li>Enter your registered mobile number</li><li>Set your new 4-digit PIN of choice</li><li>Re-enter the PIN</li><li>Submit PIN change request</li></ul><p><strong>HDFC Bank Credit Card PIN Change through SMS</strong></p><p>You can also change your HDFC Bank credit card PIN using the bank’s SMS facility. To change HDFC Bank credit card PIN through SMS, type CCPIN XXXX (XXXX are the last 4 digits of your credit card number) and send to 5676712 from your registered mobile number.</p><h3><strong>Frequently Asked Questions</strong></h3><h4><strong>✅How to download and install HDFC Bank Mobile Application?</strong></h4><p>HDFC Bank customers can avail themselves of banking services on their mobile phones. Android users can download it from Google Playstore on any Android device with Kitkat 4.4 version or above, while iOs users can download it from AppleStore on Apple devices with iOS 5 version or above.</p><h4><strong>✅Why is my Net Banking password being rejected?</strong></h4><p>A net banking facility must be activated on your HDFC bank account. Your net banking details will be rejected if:</p><ul><li>You are not registered for the service</li><li>Incorrect password – either not case-sensitive or wrong input</li><li>Inactive password – net banking password becomes invalid if the net banking facility is not used for more than 120 days.</li></ul><p>5 consecutive attempts to log in with an incorrect password can block the net banking account. Call customer care helpline number 6160-6161 (prefix local STD Code) for assistance.</p><p><strong>✅How to activate a new HDFC Bank credit card?</strong></p><p>Your new HDFC Bank credit card will come in a ‘deactivated’ mode. A default PIN is mailed separately to the registered address. It is usually received within 7 days of receiving the card. The default PIN will be required to activate the card. The default PIN can also be generated through net banking. Read HDFC Bank credit card related information mentioned in your Welcome Kit carefully on <strong>how to activate a new HDFC credit card</strong>.</p><h4><strong>✅Is it mandatory to change the default PIN on the HDFC Bank credit card?</strong></h4><p>No, it is not mandatory to change the default PIN of your HDFC Bank credit card. However, for security reasons, it is advisable to change the default PIN on the HDFC Bank credit card to a new one. Also, it is a good idea to keep changing it regularly. Memorising it is also important.</p><h4><strong>✅How to activate HDFC Bank credit card through ATM?</strong></h4><p>To activate HDFC Bank credit card through ATM, follow these steps:</p><ul><li>Visit HDFC Bank ATM</li><li>Swipe your credit card in the ATM machine</li><li>Choose your preferred language</li><li>Select option ‘Create new PIN using OTP’</li><li>You will receive an OTP on the mobile number linked with HDFC account</li><li>Enter the OTP</li><li>Enter your registered mobile number for cross-verification</li><li>Create a new 4-digit PIN of your choice</li><li>Retype PIN number and confirm</li></ul><p>Once you have successfully activated your new PIN number, you will receive an SMS on your registered mobile number.</p><h4><strong>✅How to activate HDFC Bank credit card through Netbanking?</strong></h4><p>To activate your HDFC Credit Card through Net banking, follow these steps:</p><ul><li>Visit HDFC bank’s official website</li><li>Login to your account using net banking customer ID and password&nbsp;&nbsp;</li><li>Move to the ‘Credit Card’ option</li><li>Go to the ‘Request’ section</li><li>Click on ‘Credit Card ATM PIN’</li><li>In case of more than one credit card, select the Credit Card number you wish to continue with</li><li>Confirm request</li></ul><p>You will receive the new credit card PIN by post at your registered mailing address. Visit your nearest HDFC Bank ATM to change your PIN.</p><h4><strong>✅How to activate your HDFC credit card online?</strong></h4><p>To activate your HDFC Bank credit card online, follow these steps:</p><ul><li>Login to HDFC Bank website</li><li>Use user ID and password to log into the personal baking account</li><li>Move to the ‘Cards’ option</li><li>Select ‘Credit Cards’</li><li>Click on ‘Requests’</li><li>Select ‘Instant PIN generation’</li><li>In case of more than one card, select the card number you wish to generate the PIN for</li><li>Enter a 4-digit PIN of your choice</li><li>Re-enter PIN to confirm</li><li>Click on your mobile number to receive OTP</li><li>Enter the OTP received on your mobile number to activate HDFC Bank credit card PIN number</li></ul><p><strong>Q8. How can I change my HDFC Bank credit card PIN through SMS?</strong></p><p>To change your HDFC Bank credit card PIN using the bank’s SMS facility, type CCPIN XXXX and send it to 5676712 from your registered mobile number. XXXX are the last 4 digits of your credit card number.</p><p><strong>Q9. Is credit card PIN the same as debit card PIN?</strong></p><p>A credit card PIN is different from a Debit card PIN. Ideally, customers should have different PIN numbers for both credit and debit cards to enhance their digital security.</p><p><strong>Q10. How long is the HDFC Bank credit card PIN number?</strong></p><p>HDFC Bank credit card PIN has 4 digits. The default PIN is issued through a coding system and is therefore unique.&nbsp;</p>

large_How-to-Activate-HDFC-Credit-Card-4-8-21-01.jpg

medium_How-to-Activate-HDFC-Credit-Card-4-8-21-01.jpg

small_How-to-Activate-HDFC-Credit-Card-4-8-21-01.jpg

thumbnail_How-to-Activate-HDFC-Credit-Card-4-8-21-01.jpg

How-to-Activate-HDFC-Credit-Card-4-8-21-01.jpg

Find out how to activate HDFC credit card or set PIN online by netbanking or offline by visiting the HDFC Bank ATM and more at mymoneymantra.com

How to Activate HDFC Credit Cards? - All You Need to Know

<p>Omni Channel Content Specialist| enthusiastic personal finance writer | Top50 CM professional by WMC, CMO</p>

Reshma Rawat

thumbnail_Reshma_Rawat_42bc1edbb3.jpg

<p>Finance Writer: Expert in Loans &amp; Credit Cards</p>

<p>Find out how to activate HDFC credit card or set PIN online by netbanking or offline by visiting the HDFC Bank ATM and more.</p>

<p>Companies thrive through co-branding. When two giants join hands they can leverage each other’s capabilities, competencies as well as customer base. The Flipkart Axis Bank credit card serves two masters. It is a revenue-generating innovative product for the issuers and a feature-loaded purchase mechanism for the customer.</p><p>So, in case you are a frequent shopper on Flipkart and want to add a delight quotient to your regular shopping spree, the Flipkart Axis Bank credit card is a must-have for you. Now that you would be tempted to have this credit card in your kitty, you would be wondering how to get a Flipkart Axis Bank credit card. Worry not; applying for the Flipkart Axis Bank credit card is a hassle-free process.</p><h2><strong>How to Avail Flipkart Axis Bank Credit Card?</strong></h2><p><strong>How to get a Flipkart Axis Bank credit card</strong>? Well, it can be applied both through offline and online modes. To apply for the card offline, customers can visit the Axis Bank branch. Existing Axis Bank customers can avail of the offer by contacting the Axis Bank customer care helpline.</p><p><strong>How to Get Flipkart Axis Bank Credit Card Online</strong></p><p>Application for a Flipkart Axis Bank credit card can be submitted online either through Axis Bank or Flipkart. It can be done both through respective websites and mobile apps.</p><p>It is important to understand that a current or saving account in Axis Bank is mandatory for a Flipkart Axis Bank credit card. Likewise, you should also be a registered Flipkart user.</p><p><strong>How to Get Flipkart Axis Bank Credit Via Axis Bank</strong></p><ul><li>Visit Axis Bank’s official website<a href="http://www.axisbank.com/"> www.axisbank.com</a> or Axis Mobile App</li><li>Explore products to reach the credit card link</li><li>Look for Flipkart Axis Bank credit card in the list of credit cards offered by the bank</li><li>Apply for the card</li><li>Enter the required details</li><li>Submit application</li></ul><p><strong>How to Get Flipkart Axis Bank Credit Via Flipkart</strong></p><ul><li>Visit Flipkart’s official website<a href="http://www.flipkart.com/"> www.flipkart.com</a> or Flipkart Mobile App</li><li>Search for Flipkart Axis Bank credit card in the search box</li><li>Apply for the card</li><li>Fill up the required forms</li><li>Read through the ‘Terms and Conditions’ and accept them</li><li>Submit application</li></ul><p>The bank will check if you are eligible for the Flipkart Axis Bank credit card. In case you are eligible, a representative from the Axis Bank will get in touch with you for the document verification process. Once done, you will receive your Flipkart Axis Bank credit card at your registered mailing address and you are ready to go shopping!</p><h2><strong>Benefits of Flipkart Axis Bank Credit Card</strong></h2><p>Flipkart Axis Bank Credit Card is the ‘Full Vassol Card’ that rains cashback on every swipe. With tie-ups with the biggest apps in the market like Uber, Zomato, MakeMyTrip, Uber, Gaana, Goibibo, Myntra to name a few; get ready to go berserk over benefits.</p><p>The numerous benefits offered by Flipkart Axis Bank Credit Card include:</p><h3><strong>Welcome and Activation Benefits:</strong></h3><ul><li>Voucher worth Rs. 500 from Flipkart on the first transaction using Flipkart Axis Bank Credit Card</li><li>15 months Ganna subscription at a discounted rate of Rs. 399</li><li>20% off up to Rs. 500 off on The Phy Life</li><li>20% off up to Rs. 500 off on Plum Goodness</li><li>15% cashback up to Rs. 500 on the first transaction on Myntra using Flipkart Axis Bank Credit Card</li></ul><h3><strong>&nbsp;Cashback Benefits</strong></h3><ul><li>5% cashback on Flipkart, Myntra and 2GUD</li><li>4% cashback on transactions made with preferred merchants like Swiggy, Uber, PVR</li><li>1.5% cashback on all other categories</li></ul><h3><strong>Airport Lounge Access</strong></h3><ul><li>You get four complimentary lounge visits every calendar year to partner airports within India.</li></ul><h3><strong>Fuel Surcharge Waiver</strong></h3><ul><li>1% fuel surcharge waiver (on transactions between Rs. 400 - Rs. 4000) at all fuel stations across India; maximum benefits up to Rs. 500 per month.</li></ul><h3><strong>Dining Delights</strong></h3><ul><li>20% off at partner restaurants across India</li></ul><h3><strong>EMI Conversion</strong></h3><ul><li>Option to convert every purchase of Rs. 2500 and above on Flipkart into easy EMIs.</li></ul><p>The overall benefits in monetary terms are tabulated below:</p><figure class="table"><table><tbody><tr><td><strong>Spending Head</strong></td><td><strong>Annual Spend</strong></td><td><strong>Cashback Amount</strong></td><td><strong>Discount/Benefit Amount</strong></td></tr><tr><td>On Flipkart</td><td>Rs. 36000</td><td>Rs. 1800</td><td>&nbsp;</td></tr><tr><td>On Myntra</td><td>Rs. 12000</td><td>Rs. 600</td><td>&nbsp;</td></tr><tr><td>On 2GUD</td><td>Rs. 12000</td><td>Rs. 600</td><td>&nbsp;</td></tr><tr><td>Preferred Merchant Brands</td><td>Rs. 66000</td><td>Rs. 2640</td><td>&nbsp;</td></tr><tr><td>Other Spends</td><td>Rs. 60000</td><td>Rs. 900</td><td>&nbsp;</td></tr><tr><td>Fuel Spends</td><td>Rs. 12000</td><td>&nbsp;</td><td>Rs. 120</td></tr><tr><td>Dining benefits</td><td>Rs. 24000</td><td>Rs. 360</td><td>Rs. 4800</td></tr><tr><td>Welcome Benefits</td><td>&nbsp;</td><td>&nbsp;</td><td>Rs. 2900</td></tr><tr><td>Airport Lounge Benefits</td><td>&nbsp;</td><td>&nbsp;</td><td>Rs. 4000</td></tr><tr><td>Annual Fee Waiver</td><td>&nbsp;</td><td>&nbsp;</td><td>Rs. 500</td></tr></tbody></table></figure><h2><strong>Fees and Charges of Flipkart Axis Bank Credit Card</strong></h2><p>The fee and charges applicable on the Flipkart Axis Bank Credit Card are:</p><figure class="table"><table><tbody><tr><td><strong>Description</strong></td><td><strong>Charge</strong></td></tr><tr><td>Joining fee</td><td>Rs. 500 + GST</td></tr><tr><td>Annual Fee</td><td>Rs. 500 + GST subject to waiver on annual spends more than Rs. 2 lakh</td></tr><tr><td>Finance Charges</td><td>3.4% per month (49.36% per annum)</td></tr><tr><td>Cash Withdrawal Fee</td><td>2.5% of the amount withdrawn subject to a minimum of Rs 500</td></tr><tr><td>Late Payment Charge</td><td><ul><li>Nil if Total Payment Due is up to Rs. 300</li><li>Rs. 100 if Total Payment Due is between Rs. 301 - Rs. 500</li><li>Rs. 500 if Total Payment Due is between Rs. 501 - Rs. 1,000</li><li>Rs. 750 if Total Payment Due is between Rs. 1,001 - Rs. 10,000</li><li>Rs. 950 if Total Payment Due is between Rs. 10,001 - Rs. 25,000</li><li>Rs. 1000 if Total Payment Due is between Rs. 25,001 and 50,000</li><li>Rs. 1200 if Total Payment Due is more than Rs.50,000</li></ul></td></tr><tr><td>Over Utilization Charge</td><td>3% of over-limit amount subject to a minimum of Rs. 500</td></tr><tr><td>EMI bounce Charge</td><td>2% of payment amount subject to a minimum of Rs. 450</td></tr><tr><td>Foreign Currency Transaction Fee</td><td>3.5% of transaction value</td></tr><tr><td>Add-on card joining fee</td><td>Nil</td></tr><tr><td>Add-on card annual fee</td><td>Nil</td></tr><tr><td>Card Replacement fee</td><td>Rs. 100</td></tr><tr><td>Cash Payment Fee</td><td>Rs. 100</td></tr><tr><td>Duplicate Statement Fee</td><td>Nil</td></tr><tr><td>Duplicate Slip Retrieval Fee</td><td>Nil</td></tr><tr><td>Outstation Cheque Fee</td><td>Nil</td></tr><tr><td>Mobile Alert Activation Fee</td><td>Nil</td></tr><tr><td>Hot listing Charges</td><td>Nil</td></tr><tr><td>Balance Enquiry Charges</td><td>Nil</td></tr><tr><td>Surcharge on Railway Ticket Cancellation</td><td>As applicable by Indian Railways/IRCTC</td></tr></tbody></table></figure><h3><strong>Eligibility Criteria</strong></h3><p>To be eligible for Flipkart Axis Bank Credit Card, Axis Bank has an eligibility check in place. These include:</p><ul><li>The age of the primary cardholder should be between 18 and 70 years</li><li>The age of the add-on cardholder should be above 15 years</li><li>The primary cardholder must be either a Resident of India or a Non-Resident Indian</li><li>Ongoing current or savings account in Axis Bank</li><li>Healthy credit score</li><li>Minimum salary of salaried individual Rs. 15000 per month</li><li>Minimum income of self-employed Rs. 30000 per month</li></ul><h3><strong>Documents Required</strong></h3><p>The documents required for Flipkart Axis Bank Credit card can be divided into 3 heads:</p><figure class="table"><table><tbody><tr><td><strong>Criteria</strong></td><td><strong>Document Accepted</strong></td></tr><tr><td>Identity proof (anyone)</td><td><ul><li>Passport</li><li>Driving license</li><li>PAN card</li><li>Aadhaar card</li></ul></td></tr><tr><td><p>Address proof (anyone)</p><p>&nbsp;</p></td><td><ul><li>Passport</li><li>Ration Card</li><li>Electricity bill</li><li>Landline telephone bill</li></ul></td></tr><tr><td>Income Proof (all)</td><td><ul><li>Latest payslip</li><li>Form 16</li><li>IT return copy as proof of income</li></ul></td></tr><tr><td>Other Documents</td><td><ul><li>PAN card or Form 60</li><li>2 coloured photographs</li></ul></td></tr></tbody></table></figure><p>&nbsp;The bank will communicate the decision taken on acceptance or rejection of Flipkart Axis Bank credit card within 21 days of application.</p><h3><strong>Frequently Asked Questions</strong></h3><h4><strong>✅How long does it take to get a Flipkart Axis Bank credit card approved?</strong></h4><p>The bank will communicate any decision taken on acceptance or rejection of Flipkart Axis Bank credit card within 21 working days of receiving the application. Cards once approved will be delivered to the registered address within 10 days.</p><h4><strong>✅ What are the joining fee and annual fee of Flipkart Axis Bank credit card?</strong></h4><p>The joining fee of the Flipkart Axis Bank credit card is Rs. 500 + GST. It is charged in the first billing statement.</p><p>2nd year onwards annual fee of Rs. 500 + GST is charged on the Flipkart Axis Bank credit card. However, cardholders can get a fee waiver on annual spending of Rs. 2 lakh.</p><h4><strong>✅How can I get a Flipkart Axis Bank credit card online?</strong></h4><p>Flipkart Axis Bank credit card can be applied online either through Axis Bank’s website or mobile app. It can also be applied through Flipkart’s website or mobile app.</p><h4><strong>✅How can I check cashback earned on Flipkart Axis Bank Credit Card?</strong></h4><p>The monthly credit card statement issued by Axis Bank will reflect the details of cashback earned on each transaction for the period. Cashback history can also be checked on the Flipkart app.</p><p>To check cashback history on Flipkart app</p><ul><li>Visit My Accounts</li><li>Click on Flipkart Axis Bank Credit Card</li><li>View total cashback earned</li></ul><h4><strong>✅What are the late payment charges applicable on the Flipkart Axis Bank credit card?</strong></h4><p>The late payment charges applicable on Flipkart Axis Bank credit card are as follows:</p><figure class="table"><table><tbody><tr><td><strong>Condition</strong></td><td><strong>Penalty</strong></td></tr><tr><td>Total Payment Due is up to Rs. 300</td><td>Nil</td></tr><tr><td>Total Payment Due is between Rs. 301 - Rs. 500</td><td>Rs. 100</td></tr><tr><td>Total Payment Due is between Rs. 501 - Rs. 1,000</td><td>Rs. 500</td></tr><tr><td>Total Payment Due is between Rs. 1,001 - Rs. 10,000</td><td>Rs. 750</td></tr><tr><td>Total Payment Due is between Rs. 10,001 - Rs. 25,000</td><td>Rs. 950</td></tr><tr><td>Total Payment Due is between Rs. 25,001 and 50,000</td><td>Rs. 1000</td></tr><tr><td>Total Payment Due is more than Rs.50,000</td><td>Rs. 1200</td></tr></tbody></table></figure><h4><strong>✅What is the income required for Flipkart Axis Bank credit card eligibility?</strong></h4><p>The minimum salary of salaried individuals is Rs. 15000 per month and the income of self-employed must be at least Rs. 30000 per month for Flipkart Axis Bank credit card eligibility.</p><h4><strong>✅Can I withdraw cash using a Flipkart Axis Bank credit card?</strong></h4><p>Yes, you can withdraw cash from Axis Bank ATM or any other ATM. Cash withdrawal charges @ of 2.5% of the amount withdrawn subject to a minimum of Rs 500 will be levied.</p><h4><strong>✅What will be the credit limit on the Flipkart Axis Bank credit card?</strong></h4><p>The credit limit assigned to you on the Flipkart Axis Bank credit card will depend on your income status and credit score.</p><h4><strong>✅Is Flipkart Axis Bank a credit card a lifestyle credit card?</strong></h4><p>In addition to lifestyle deals, Flipkart Axis Bank credit card offers a range of benefits. You can also earn direct benefits and cashback on travel, dining and fuel.</p><h4><strong>✅ What are the cashback benefits on the Flipkart Axis Bank credit card?</strong></h4><p>Cashback benefits applicable on Flipkart Axis Bank credit cards are</p><ul><li>5% cashback on Flipkart, Myntra and 2GUD</li><li>4% cashback on transactions made with preferred merchants like Swiggy, Uber, PVR</li><li>1.5% cashback on all other categories</li></ul><h4><strong>✅Is cashback applicable on all Flipkart Axis Bank credit card transactions?</strong></h4><p>Following transactions on Flipkart Axis Bank credit card are not eligible for cashback</p><ul><li>Fuel Spends</li><li>Cash advances</li><li>Gift cards purchased on Flipkart, Myntra, 2GUD</li><li>Conversion into EMI after purchase</li><li>Wallet loading transactions</li><li>Payment of card fees and other charges charged</li><li>Spending on gold items</li><li>Payment of outstanding dues</li></ul><h4><strong>✅How will I receive activation benefits on Flipkart Axis Bank credit card?</strong></h4><p>To receive activation benefits on Flipkart Axis Bank credit card</p><ul><li>Complete first transaction at any merchant to receive a Flipkart Gift voucher worth Rs 500.</li><li>Complete transaction within 30 days of Card issuance</li><li>No minimum spend value is required</li></ul><h4><strong>✅What are the finance charges charged on Flipkart Axis Bank credit card?</strong></h4><p>The finance charges charged on Flipkart Axis Bank credit card is 3.4% per month (49.36% per annum)</p><h4><strong>✅Can all purchases made on Flipkart Axis Bank credit card be converted into EMI?</strong></h4><p>Transactions above Rs. 2500 made on Flipkart Axis Bank credit cards are eligible for conversion into EMI. However, purchases converted into EMI post facto are not eligible for cashback.</p><h4><strong>✅How can I track my Flipkart Axis Bank credit card?</strong></h4><p>You can track your Flipkart Axis Bank credit card through Axis Bank mobile app or from Axis Bank’s official website.</p>

How to Get Flipkart Axis Bank Credit Card Online?

large_How-to-Get-Flipkart-Axis-Bank-Credit-Card-Online_2.jpg

medium_How-to-Get-Flipkart-Axis-Bank-Credit-Card-Online_2.jpg

small_How-to-Get-Flipkart-Axis-Bank-Credit-Card-Online_2.jpg

thumbnail_How-to-Get-Flipkart-Axis-Bank-Credit-Card-Online_2.jpg

How-to-Get-Flipkart-Axis-Bank-Credit-Card-Online_2.jpg

In this post, we will see how to apply for Flipkart Axis bank Credit card online. Visit the page for more details

How to Get Flipkart Axis Bank Credit Card Online?


<p>In this post, we will see how to apply for Flipkart Axis bank Credit card online.</p>

<h2><strong>How to Block SBI Credit Cards in 4 Easy Steps?</strong></h2><p>Credit cards have changed the way we live our lives. The 'buy now, pay later' concept has pushed us into leading an entirely different lifestyle. It comes across as a perfect partner in times of need. The benefits and features that a credit card confers help us enjoy better value for money.&nbsp;</p><p>But having said this, the risks associated with a credit card being stolen or lost cannot be undermined. Unauthorised usage on the credit card will not just reflect the outstanding amount in your credit card bill but will add to your financial obligation. Thankfully, banks allow credit cardholders to get their credit cards blocked in the event of a stolen or lost credit card. This reduces the risk of financial liability.&nbsp;</p><h2><strong>How to Block SBI Credit Cards if Lost or Stolen?</strong></h2><p>State Bank of India is one of the leading credit card issuers in the Indian market. The bank has a well-structured mechanism in place to guide its credit card customers on how to block SBI credit cards if they are lost or stolen.</p><p>It is recommended to get the SBI credit card blocked immediately or as early as possible when a card is lost or stolen. This reduces the risk of financial liability on the credit cardholder. Cardholders can get the SBI credit card blocked through any of the following channels. These include:</p><ul><li>Visit the banks' official credit card website www.<a href="https://www.sbicard.com/creditcards/app/user/redirectPage/reportStolen">sbicard.com</a></li><li>Apply for 'Block Credit Card' through SBI's Mobile App YONO</li><li>Call 24X7 helpline number @ 39 02 02 02 (prefix local STD code) or call 1860 180 1290 toll free number</li><li>Send an SMS to 5676791 from your registered mobile number. BLOCK XXXX (Last four digits of your card number)</li></ul><p>One can use any of the four available channels to get the SBI credit card blocked. The credit card is lost or stolen will be blocked permanently. A new credit card will be issued instead upon reissue request.</p><h2><strong>How to Block SBI Credit Cards via Official Website?</strong></h2><p>SBI credit card holders can block SBI credit cards via online banking or net banking. The steps involved are:</p><ul><li>Log into the bank's official credit card website <a href="http://www.sbicard.com">www.sbicard.com</a></li><li>Log into your net banking account using your login ID and password.</li><li>Click on the 'Services' tab</li><li>Click on 'Block Lost/Stolen Card'</li><li>Choose the card number you want to block in case you have more than one SBI credit card.</li><li>Submit the request.</li></ul><p>Your SBI credit card will get immediately blocked and there will be an SMS on your registered mobile number intimating the same. You will also receive an email on the registered email ID.</p><h2><strong>How to Block SBI Credit Cards via SBI Mobile Banking?</strong></h2><p>Take the following steps <strong>on how to block SBI credit card permanently</strong> via SBI mobile banking:</p><ul><li>Log into your SBI Mobile Banking app YONO and sign in to your account using the MPIN.</li><li>Go to the 'Menu' section</li><li>Click on 'Service Request'</li><li>Click on 'Report Lost/Stolen'</li><li>Select the card number, which you want to block in case you have more than one SBI credit card.</li></ul><p>Your SBI credit card will be blocked instantly. A confirmation SMS and an email intimating the same will appear in the messaging inbox of your registered mobile number and registered email ID, respectively.</p><h2><strong>How to Block SBI Credit Card via SBI Helpline Number or IVR</strong></h2><p>If you want to know <strong>how to block SBI credit card</strong> via an SBI helpline number or <strong>how to block SBI credit card permanently</strong> via IVR (Interactive Voice Response), here's help:</p><ul><li>Call Toll Free Number 1860 180 1290 or 24X7 helpline number @ 39 02 02 02 (prefix local STD code).</li><li>Select the preferred language</li><li>Listen to the IVR instructions and follow accordingly</li><li>Press 2 to report lost/stolen credit card</li></ul><p>Your SBI credit card will get immediately blocked and there will be an SMS on your registered mobile number intimating the same. You will also get an email on your registered email ID.</p><h2><strong>How to Report SBI Credit Card via SMS</strong></h2><p>To get your SBI credit card blocked via SMS, send an SMS in the format given below using your registered mobile number.</p><ul><li>Type: BLOCK XXXX (XXXX are the last four digits of your SBI Card)</li><li>Send SMS to 5676791</li></ul><p>The SBI credit card will be blocked immediately. An SMS will flash in the messaging inbox of your registered mobile number, intimating you about the same. You will also receive an email on the registered email ID.</p><h2><strong>How to block SBI Corporate credit cards when travelling abroad?</strong></h2><p>To report the loss of SBI Corporate Credit Card when travelling abroad, you may call on a country-specific Visa helpline number. These are:</p><ul><li>United States: 1-800-847-2911</li><li>Australia: 1-800-125-440</li><li>Singapore: 800-110-0344</li><li>United Kingdom: 0800-89-1725</li><li>Mainland China - South: 10-800-110-2911</li><li>Mainland China-North: 10-800-711-2911</li><li>Canada: 1-800-847-2911</li><li>Hong Kong: 800-96-7025</li><li>Japan: 00531-11-1555</li></ul><h3><strong>FAQs</strong></h3><h4><strong>Q1. How will I know whether my SBI credit card is blocked or not?</strong></h4><p>Once the 'block card' request is successfully submitted through any of the four available channels, you will get a confirmation message via SMS on your registered mobile number and via email on your registered email ID.</p><p>In case the block confirmation message is not received, please call the SBI credit card helpline number — 39 02 02 02 (prefixed with the local STD Code) or toll-free number 1860 180 1290.</p><h4><strong>Q2. Will the blocking of an SBI credit card lead to the closure of credit card accounts?</strong></h4><p>No, blocking an SBI credit card does not lead to the closure of the credit card account. The balance outstanding on the credit card before the request for lost/stolen is submitted to be repaid on the scheduled due date to avoid late payment charges and penal interest thereon.</p><h4><strong>Q3. Can I reactivate/unblock my blocked SBI credit card?</strong></h4><p>Once a credit card is blocked for suspicious or fraudulent transactions, the same card is not reactivated. A new card with a new credit card number will be issued to you on request made via a call centre.&nbsp;&nbsp;</p><p>In case the credit card is blocked due to overuse and credit limit utilisation or payment defaults, the same card is unblocked once the outstanding is repaid in full. The reactivation/unblock request is to be submitted within three months, after which a new credit card application is sought.</p><h4><strong>Q4. What is the fee to reissue/replace an SBI credit card?</strong></h4><p>A replacement fee of Rs. 100 + GST is charged to reissue/replace an SBI credit card.</p><h4><strong>Q5. How can I block my SBI credit card permanently?</strong></h4><p>Searching for <strong>how to block SBI credit card permanently</strong>, here's help:</p><ul><li>Visit official website www.<a href="https://www.sbicard.com/creditcards/app/user/redirectPage/reportStolen">sbicard.com</a></li><li>Use SBI's Mobile App YONO</li><li>Call 24X7 helpline number @ 39 02 02 02 (prefix local STD code) or call toll free number 1860 180 1290</li><li>Send SMS BLOCK XXXX (The last four digits of your card number) to 5676791 from your registered mobile number.</li></ul><h4><strong>Q6. Is my SBI account number and SBI credit card number the same?</strong></h4><p>No, the SBI account number and SBI credit card number cannot be the same.</p><h4><strong>Q7. I found my lost SBI credit card. Can I unblock it?</strong></h4><p>If a credit card is blocked for loss/theft, it cannot be reactivated. A new card with a new credit card number will be issued to you,</p><h4><strong>Q8. How to block SBI credit cards via IVR?</strong></h4><p>To block an SBI credit card permanently via IVR (Interactive Voice Response), the steps to be followed are:</p><ul><li>Call 24X7 helpline number @ 39 02 02 02 (prefix local STD code) or Toll Free Number 1860 180 1290</li><li>Select preferred language for interaction</li><li>Listen to the IVR instructions and navigate accordingly</li><li>Press 2 to report lost/stolen credit card</li></ul><h4><strong>Q9. My SBI credit card is blocked. What can be the reason?</strong></h4><p>SBI credit cards can be blocked/deactivated due to the following reasons:</p><ol><li>Over Utilisation of the credit limit</li><li>First payment default</li><li>Up to 3 consecutive payment default</li><li>More than six consecutive payments default will lead to permanent withdrawal of the credit facility.</li><li>Suspicious activity – loss, theft, fraudulent transactions</li><li>Non-compliance of KYC</li></ol><h4><strong>&nbsp;Q10. How to block SBI credit cards permanently?</strong></h4><p>In case you do not want the credit facility available on your SBI credit card anymore, you can place a block credit card request. Ensure that you have no outstanding dues on the credit card. If a reactivation request is not received within three months of card blocking, the SBI credit card is blocked permanently. However, you can apply for a new credit card subsequently as per need.</p><h4><strong>Q11. My SBI credit card is blocked. Will it affect my CIBIL score?</strong></h4><p>In case a credit card is blocked for suspicious activity like loss, theft or fraudulent transactions, it will not affect your CIBIL score.&nbsp;&nbsp;</p><p>However, if the SBI credit card is blocked due to reasons like over utilisation of credit limit, first payment default or subsequent payment default, it will definitely affect your credit score.</p><h4><strong>Q12. How to block SBI credit cards via SBI mobile banking?</strong></h4><p>Follow the following steps to block SBI credit cards via mobile banking:</p><ul><li>Login to SBI's Mobile banking app YONO using the MPIN</li><li>Move to the 'Menu' section.</li><li>Tap on 'Service Request'</li><li>Tap on 'Report Lost/Stolen'</li><li>In case you have more than one SBI credit card, select the credit card number which you want to block from the drop-down.</li><li>Submit the request.</li></ul>

How to Block SBI Credit Card in 4 Easy Steps?

large_How-to-Block-SBI-Credit-Card-in-X-Easy-Steps_1.jpg

medium_How-to-Block-SBI-Credit-Card-in-X-Easy-Steps_1.jpg

small_How-to-Block-SBI-Credit-Card-in-X-Easy-Steps_1.jpg

thumbnail_How-to-Block-SBI-Credit-Card-in-X-Easy-Steps_1.jpg

How-to-Block-SBI-Credit-Card-in-X-Easy-Steps_1.jpg

Know more about How to Block SBI Credit Card. SBI Credit Card Customer can block their credit card through NetBanking, SMS & SBI Mobile Application.

How to Block SBI Credit Cards in 4 Easy Steps?

<p>Know more about How to Block SBI Credit Card. SBI Credit Card Customer can block their credit card through NetBanking, SMS &amp; SBI Mobile Application.</p>

<p>In today’s life, credit cards play an essential role when it comes to protecting our money. It saves the hustle of carrying bundles of cash everywhere we go. Many people keep credit cards for the fact that they can generate huge cash backs and reward points at times while making orders.</p><p>However, at times, different transactions do not accept credit cards, and that is when we need to transfer a specific amount of money from our credit card to our bank account. If you are wondering how to transfer money from credit card to bank account, we have got you covered. Keep reading to know and understand all about transferring money from a credit card to a bank account to save significant time in the long run.</p><h2><strong>How to Transfer Money from Credit Card to Bank Account Online?</strong></h2><p>If you are wondering how to transfer money from your credit card to your bank account in online methods, here are some ways that you can follow to do the same.</p><p>1. <strong>Net banking: </strong>It is the easiest way for you to transfer money to your bank account. You can transfer money directly by accessing your credit card’s online banking account.</p><p><strong>2. Using a mobile wallet: </strong>This is extremely useful if you want to transfer your money from your credit cards to your bank account. Mobile wallet apps can be used to make direct transfers to your bank account.</p><p><strong>3. Moneygram Global Money Transfer Services: </strong>This<strong> </strong>lets you transfer money from your credit card to your bank account. Follow these steps to complete the process:</p><ul><li>Collect the full name of the receiver along with the country he resides in. if you choose to transfer money from your credit card to your own bank account, you need your details like full number, name of your country, etc.</li><li>Put these necessary details correctly in the proper places so that the verification process does not take long.</li><li>After you get all the necessary details, choose the option ‘Account Deposit’ on your screen to transfer the entire amount.</li><li>You will be asked to choose your method of payment where you have to choose the ‘Credit Card’ option since that is the source from where you are transferring the money.</li><li>If you manage to do all these things properly, the money will be sent securely to your bank account or the receiver’s account that you intend to send your money to.</li></ul><p><strong>4. Using the Paytm app: It</strong> is a convenient, easy to use and super-feasible option when it comes to transferring money from your credit card.</p><p><strong>5. Other e-wallet services and apps</strong> like Freecharge, Mobikwik, can come in handy if you are wondering <strong>how to transfer money from credit card to bank account </strong>using online methods.</p><ul><li>The first step to follow these methods would be to register successfully on the site/app you prefer.</li><li>You can then transfer the money from your credit card to your wallet.</li><li>Choose the ‘passbook’ option and next, choose the option ‘send money to bank’.</li><li>After choosing the ‘transfer’ option, you will get a page that will require you to put all the necessary details required for the transaction, such as the receiver’s full name, IFSC Code, account number, and other details. Put your own details if you intend to transfer the money to your own bank account.</li><li>Press the send button, enter your pin code, and the money will be transferred to your/ the receiver’s account.</li></ul><p>These are some of the easiest online methods for you to try out if you want to transfer money from your credit card to a bank account. Offline methods can come across as a bit overwhelming to some people. Online methods suit best for their requirements.</p><h2><strong>How to Transfer Money from Credit Card to Bank Account Offline?</strong></h2><p>Online methods can intimidate some people. If you want to avoid online transactions and are wondering <strong>how to transfer money from your credit card to bank account</strong> using offline methods, here are the easiest ways to follow.</p><p>1. Using cheques is a feasible option when it comes to transferring money from your credit card to a bank account using offline methods. If you want to transfer money to your own bank, choose the option ‘cheque to self’ to proceed further. Put the necessary details of the receiver on your cheque. Deposit the cheque to your nearest bank and wait for some time for the transaction to happen. The charges required for this process can vary from one bank to the other.</p><p>2. ATM cards can be used in this situation as well. Use the ATM cash advance facility to withdraw cash from an ATM. Use your credit card and deposit that amount to your bank account. However, using this method can be a bit costlier than the previous method considering most banks generally charge 2.5% advance fees along with the total amount.&nbsp;</p><p>This amount varies from one bank to the other. In general, this is the costlier yet very feasible step to follow if you are looking for offline methods.</p><p>3. One can also use PayDeck for transferring money from a credit card to a bank account using online methods. To follow this process, all you need to do is to put your PAN number for verification. The receiver does not need to be registered with PayDeck for the transaction to happen. However, you cannot transfer money to your own bank account if you choose to follow this method. Otherwise, it is one of the most feasible methods that you can go for.</p><p>4. You can also go for National Electronic Funds Transfer (NEFT) and Real-Time Gross Settlement (RTGS) offline methods. In order to follow these methods, go through the steps mentioned below:</p><ul><li>The first step would be to find your nearest RTGS/ NEFT enabled branch of your bank and visit it.</li><li>Request for a transaction form and fill it out with necessary details such as full name, bank account number, and IFSC code.</li><li>Submit the form to the bank officials and wait for some time while the officials transfer the said amount to your bank account.</li></ul><p>For this method, a specific amount can be charged by the bank officials, which varies from one bank to the other.</p><p>These are some of the easiest methods that you can follow if you are looking for offline transaction methods to transfer money from your credit card to your bank account.</p><h2><strong>Key Points to Consider Before Transferring Money from Credit Card to Bank Account</strong></h2><p>Transferring money to your bank account can come across as an overwhelming and difficult process for anyone who has little to no experience in handling their finances. If you often wonder <strong>how to transfer money from credit card to bank account</strong>, you should also spend some time going through some key points that can affect your transaction process.</p><ul><li>Always concentrate while filling up transaction request forms with the necessary information like the receiver’s full name, bank account number, and IFS code. One wrong digit or letter leads to a failed transaction. Make sure you cross-check these details multiple times so that the transaction does not get affected by any mistake.</li><li>Do a bit of research to make sure you know how much the transaction charges are that you are supposed to pay. For instance, the State Bank of India tends to charge an interest of 1.7%, while the HDFC bank charges an interest of up to 2%. Some banks like to charge up to 2.5% advance fees before conducting the procedure. Some wallets can also charge up to 3% before the transaction. Make sure you are prepared with the amount to speed up the process.</li><li>It takes up to two to three business days for an offline transaction to happen. It can also take up to five days in some cases. There is no need to worry about the transaction. All you need to do is to sit and relax while the transaction happens. Visit your bank after seven days if the transaction still does not happen smoothly.</li><li>Another major thing to remember is that the credit limit of your existing card reduces. For instance, if your credit limit is 1 lakh INR, and you make a transaction of 75,000 INR, your credit limit will eventually become 25,000.</li><li>You have to pay the dues timely to avoid any possibility of an increased interest rate.</li></ul><p>A lot of things have to be taken care of while transferring money to a bank account. Little things can affect your transaction in ways that you will not even notice. These are some of the major things that you should keep in mind if you decide to transfer money from your credit card to your bank account to avoid any complexities or complications that might come your way.</p><h2><strong>Conclusion</strong></h2><p>Credit cards have become a feasible option for us to keep our money under control. The fact that using cards helps us get rid of the burden of carrying cash wherever we go is an extremely important contribution of it to the world.</p><p>However, at different places, credit cards tend to get denied as a mode of transaction. For example, payment for car and housing loans, paying other card bills, and paying home loans in most cases do not allow credit cards to make transactions. This is where the need to transfer money to our bank account arises.</p><p>Considering the other complications of loans, or going for cash withdrawals, transferring money from a credit card to the bank account seems more doable. Research and analyse <strong>how to transfer money from a credit card to a bank account</strong>, understand all the options you have and then go for the easiest one that suits your demands to avoid any complications during the process.</p><h3><strong>FAQs</strong></h3><h4><strong>✅Will my credit limit go down after making a transaction?</strong></h4><p>Ans: Yes, your credit limit gets reduced after making transactions.</p><p><strong>✅How long does it take for a transaction to happen successfully?</strong></p><p>Ans: Generally, all transactions are completed within three days. However, it may take up to 5 days, depending on a few internal factors at times.</p><p><strong>✅Is it profitable to transfer money to my bank account?</strong></p><p>Ans: It depends on the interest you end up paying for the transaction. If the interest rate stays somewhere around 1.5%- 2%, it can be pretty profitable.</p><p><strong>✅Are RTGS transactions irrecoverable?</strong></p><p>Ans: In most cases, the transactions are irrecoverable.</p><p><strong>✅Is balance transfer cheaper than taking loans?</strong></p><p>Ans: Yes. A balance transfer is way cheaper compared to taking loans or borrowing money from investors. The process is easier as well. The interest rate varies from one bank to the other. Do a bit of research and get the best interest rate to transfer money in a cheaper way.</p>

How To Transfer Money from Credit Card to Bank Account?

large_How-To-Transfer-Money-from-Credit-Card-to-Bank-Account_1.jpg

medium_How-To-Transfer-Money-from-Credit-Card-to-Bank-Account_1.jpg

small_How-To-Transfer-Money-from-Credit-Card-to-Bank-Account_1.jpg

thumbnail_How-To-Transfer-Money-from-Credit-Card-to-Bank-Account_1.jpg

How-To-Transfer-Money-from-Credit-Card-to-Bank-Account_1.jpg

Methods to Transfer Money From Credit Card to Bank Account - Transfer money from credit card to bank account ✓ Credit Card to bank transfer ✓ Can I transfer money from credit card to Bank Account?

How to Transfer Money From Credit Card To Bank Account? 


Priyanka Jain

thumbnail_Priyanka Jain.jpg

Priyanka Jain.jpg

<p>Methods to Transfer Money From Credit Card to Bank Account.</p>

<p>In the world today, the use of credit cards is very commonplace and yet it is still confusing for most beginners. Many still do not know how to explore all the possibilities associated with their credit cards, including the provision of taking a credit card loan.&nbsp;</p><p>The right credit card for you is the one that best suits your spending character, offering a suitable mix of offers and benefits. There are several banks today that offer an array of credit card facilities with various highlights and advantages, including credit loan.&nbsp;</p><p>Let us dive further into understanding what a credit card loan is, how you can avail of it and what are the various factors associated with it?</p><h2><strong>What is a Credit Card Loan?</strong></h2><p>A credit card, in its physicality, is a thin and rectangular piece of plastic or metal given by a bank or financial organization that permits cardholders to get quick and immediate funds. Cardholders can use these funds to pay for different products and services. The cardholders must repay the amount to their bank later, on a pre-decided date, to maintain a clean balance.&nbsp;</p><p>A credit card loan accompanies a pre-determined credit limit which can be utilized by the holder in a month. When the bank supports your advance solicitation at the time of need, the requested amount is instantly transferred to your balance. Banks then charge a specific interest rate for the repayment of the lent amount. You can reimburse this advance to your credit card account by the end of your monthly credit tenure.&nbsp;</p><p>Opting for a credit card loan is an ideal alternative for individuals who need quick money to manage pressing and unusual circumstances. Likewise, the credit is dispensed instantly with no documentation. Given that low interest is charged against borrowed funds on your credit card, it sounds monetarily feasible. That is the reason numerous individuals today are going ahead with this facility as a handy financial tool.&nbsp;</p><p><strong>Features of Credit Card Loan in India</strong></p><p>Here are some benefits to keep a note of as you move ahead to become a cardholder yourself:</p><ul><li>Credit card loans are quick and instant loans</li><li>These loans are hassle-free and come pre-approved</li><li>It is minimal or no documentation required for these loans</li><li>It comes under the category of unsecured loan; hence no collateral is required for applying</li><li>The processing fee is considerably low, and competitive interest rates are charged</li><li>Repayment of the loan is made hassle-free with monthly instalments, and due timelines were given.</li><li>The interest rates charged on a credit card loan differ depending on the kind of card opted for by the candidate.</li></ul><h2><strong>Benefits of Credit Card Loan 2021</strong></h2><p>Here are some benefits of a <strong>credit card loan</strong> to keep a note of as you move ahead to become a cardholder yourself:</p><ul><li>Since these loans are pre-approved, there is minimal to no paperwork involved in their disbursal.</li><li>The simplified application process for ease of access</li><li>Quick and seamless processing and disbursal of funds</li><li>Credit card loans help you buy expensive items through EMIs.</li><li>You can conveniently transfer the balance outstanding of other cards to a single card and make payments in easy EMIs.</li></ul><p><strong>Top Banks Providing Credit Card Loan in India</strong></p><figure class="table"><table><tbody><tr><td><strong>Loan Bank&nbsp;</strong></td><td><strong>Loan am.ount&nbsp;</strong></td><td><strong>Interest Rate&nbsp;</strong></td><td><strong>Processing Fee&nbsp;</strong></td><td><strong>Repayment tenure&nbsp;</strong></td></tr><tr><td><strong>SBI credit card loan&nbsp;</strong></td><td>INR 10,000 onwards&nbsp;</td><td>At the discretion of the bank&nbsp;</td><td>Up to 2% of the loan amount subject to a minimum of Rs. Rs.499 and a maximum of Rs.3,000&nbsp;</td><td>Up to 36 months&nbsp;</td></tr><tr><td><strong>HDFC credit card loan</strong></td><td>Loan amount will be within the credit limit of your HDFC credit card&nbsp;</td><td>At the discretion of the bank&nbsp;</td><td>NIL&nbsp;</td><td>Up to 60 months&nbsp;</td></tr><tr><td><strong>ICICI credit card loan</strong></td><td>INR 10 lakh&nbsp;</td><td>At the discretion of the bank&nbsp;</td><td>NIL&nbsp;</td><td>Up to 60 months&nbsp;</td></tr><tr><td><strong>Bajaj FinServ credit card loan</strong></td><td>At the discretion of the bank&nbsp;</td><td>At the discretion of the bank&nbsp;</td><td>2.5%&nbsp;</td><td>At the discretion of the bank&nbsp;</td></tr><tr><td><strong>HSBC credit card loan</strong>&nbsp;</td><td>At the discretion of the bank&nbsp;</td><td>10.99% onwards&nbsp;</td><td>2% of the loan amount&nbsp;</td><td>Up to 36 months</td></tr></tbody></table></figure><h2><strong>Compare Credit Card Loans from Different Banks in India</strong></h2><p>In the current fashion of financial transactions, multiple banks have provided the facility of credit card loans to their customers. However, let us compare the credit card loan<strong> </strong>facility provided by the top players in India:</p><ul><li><strong>ICICI credit card loan</strong></li></ul><p>Being one of the leading financial institutions in the country, ICICI bank offers multiple categories of credit card loans. The loans are disbursed based on your credit score, repayment records, and spending habits of the account holder.&nbsp;</p><p>The maximum loan amount made available by ICICI bank is INR 10 lakh/- along with a flexible tenure range of up to 60 months or five years.&nbsp;</p><ul><li><strong>HDFC credit card loan</strong></li></ul><p>The <strong>HDFC credit card loan </strong>facility comes pre-approved and pre-determines your spending limit on the credit card.&nbsp;</p><p>HDFC Bank makes a maximum of INR 5,00,000/- available with a competitive interest rate of 1.25%. The bank repayment tenure ranges up to 48 months or four years.</p><ul><li><strong>IDBI credit card loan</strong></li></ul><p>IDBI Bank also offers a credit card loan which is known as a General Credit Card Loan.&nbsp;</p><p>The loan amount made available by IDBI bank ranges from INR 50,000/- to INR 5,00,000/-. The repayment tenure range goes up five years, and the interest rate is at the discretion of the base rate of the bank.</p><ul><li><strong>Kotak Mahindra credit card loan</strong></li></ul><p>When opting for a credit card loan from Kotak Mahindra, you can get a loan ranging to a /- maximum of INR 5,00,000/- with competitive and attractive interest rates. The repayment tenure range goes up to a period of 6 months to 4 years.</p><h2><strong>Eligibility Criteria to Avail Credit Card Loan</strong></h2><p>Although there are no stringent criteria needed to apply for a credit card loan, here are some things to keep a check of still:</p><ul><li>Generally, the banks offer a credit card loan for both existing and new customers with a hassle-free process of application. However, keep a note that some of the banks like HDFC offer HDFC<strong> </strong>credit card loans for existing HDFC Credit Cardholders only.</li><li>You need to have a credit card account in any bank you wish to apply for the loan from.</li><li>Make sure your credit score is well maintained and regular. Since it is an unsecured loan, banks prefer to provide this facility based on your creditworthiness and track record maintained.</li><li>If your income levels are high, you can still apply for this facility or even the service of top-up credit cards. Here, using your bracket, you can opt from a Silver to Gold category credit card and enjoy multiple rewards and offers from various merchants.</li></ul><p>In addition to the above-mentioned pointers, when you do opt for applying for a credit card loan, make sure to keep a check of your eligibility on the following medium made available – net banking, mobile banking, or simply visiting the nearest branch of the bank you wish to go ahead with.&nbsp;</p><h2><strong>Documents Required</strong></h2><p>As such, there is no documentation needed to apply for a credit card loan in the current times. To get a credit card loan, you are required to have a credit card account. In this way, when you apply for a credit card, you present all necessary records to your bank. In light of those reports that you have effectively submitted and the creditworthiness you have maintained with your bank, the bank can endorse an advance against your credit card. Generally, a bank requests the accompanying records when you apply for a credit card:</p><ul><li>Address proof records such as recent electricity bill, telephone bill, driving license, passport etc. (Any of these documents).</li><li>Identity proof documents such as PAN card, voter ID card, driving license, passport etc. (Any of these documents).</li><li>A couple of your passport size photographs.</li><li>For salaried employees, a salary slip of the last three months is acquired to ensure regular income, along with a copy of your official employee ID card.</li><li>For self-employed applicants, you need to submit an attested copy of the latest ITR (income tax return) and a copy of your PAN card.</li></ul><h2><strong>How to Apply for a Credit Card Loan in India?</strong></h2><p>Quick and convenient is a given thing when applying for credit card loans in today's time. The entire process of application and processing of funds has been simplified. You can now apply for a credit card both offline and online.</p><p>To apply for a credit card loan online, you need to visit the official website of your preferred bank or opt for net banking or a mobile banking facility. You'll be required to fill in the application and submit basic documents. On verification of the attested documents and mentioned details, the amount will be quickly disbursed to your credit card account for use.&nbsp;</p><p>To apply for a credit card loan offline, you can visit the nearest branch of the bank you prefer to avail of the facility from. Carry all the above-mentioned documents, and you'll be assisted by a bank representative to guide you through the entire application process.&nbsp;</p><h3><strong>FAQs</strong></h3><h4><strong>✅What is a credit card limit?</strong></h4><p>The credit limit alludes to the maximum sum you could spend by utilizing your credit card. Your bank decides the credit limit of your card by considering subtleties like your yearly pay, credit record, and reimbursement limit. Banks additionally change your acknowledged limit according to your earlier year's record, keeping a balance of spends and reimbursements. On the off chance that you take care of your credit card bills on schedule and keep a decent connection with your bank, the bank may increase your credit limit.&nbsp;</p><h4><strong>✅Is there any difference between interest rates charged on cash withdrawals on credit cards and loans against credit cards?</strong></h4><p>Banks generally charge much higher interest on cash withdrawals than direct transfers made via credit card loans. Cash transactions generally have a higher processing fee in most cases.&nbsp;</p><h4><strong>✅Can new customers avail a credit card?</strong></h4><p>Generally, the banks offer a credit card loan for both existing and new customers with a hassle-free process of application. However, keep a note that some of the banks like HDFC offer HDFC credit<strong> </strong>card loans for existing HDFC Credit Cardholders only.</p>

What is Credit Card Loan? - A Complete Guide

large_What-is-Credit-Card-Loan-A-Complete-Guide_1.jpg

medium_What-is-Credit-Card-Loan-A-Complete-Guide_1.jpg

small_What-is-Credit-Card-Loan-A-Complete-Guide_1.jpg

thumbnail_What-is-Credit-Card-Loan-A-Complete-Guide_1.jpg

What-is-Credit-Card-Loan-A-Complete-Guide_1.jpg

What is credit card loan? For know more: visit the page for all about the credit card loan.

What is a Credit Card Loan? - A Complete Guide


<p>What is credit card loan? For know more: visit the page for all about the credit card loan.</p>

<p>All self-employed and salaried individuals who tend to keep credit cards check their bank statements from time to time in order to plan their investments and their savings for the future. Previously, the only method that used to be convenient for people was to go to the bank and check their bank statements in person. However, with time, and the invention of newer technologies, banks have started offering different ways of checking your bank statement.</p><p>HDFC is one such bank that offers several ways that can be followed to check bank statements. If you are wondering how to check HDFC credit card balance, we have got you covered. You can use multiple ways to check your credit card balance linked with the HDFC bank.</p><h2><strong>HDFC Credit Card Balance Toll-Free No</strong></h2><p>If you are wondering how to check HDFC credit card balance and looking for the easiest way, the toll-free number would be the perfect way for you to go. You primarily have two ways, and you can go for either of them.</p><ol><li>The customer care toll-free number for the HDFC bank is 1800 425 4332. You can call to have a conversation with customer support, who can guide you and let you know your current credit card balance.</li><li>The second option you have is to send an SMS to 5676712. Type CCBAL with the last four digits of your credit card to know your current balance.</li></ol><p>These are the easiest ways to check your credit card balance linked to the HDFC bank. Keep reading to know the other easy ways to follow to check your HDFC credit card balance.</p><h2><strong>Different Ways for HDFC Credit Card Balance Check</strong></h2><p>If you are an HDFC credit cardholder looking for solutions to how to check HDFC credit card balance, the most convenient methods are listed below:</p><ul><li>Netbanking can be used in order to check one’s HDFC credit balance easily. All you have to do to follow this method is to download the HDFC mobile banking app first by visiting their official website. The app is available for all kinds of smartphones. If you have an HDFC registered credit card, you can surely check your balance through this app using net banking.</li><li>Open the app with your existing customer ID and Pin. Then go to the ‘credit cards’ section and put your credit card’s details. Be careful while putting the number for one single wrong digit hampers the whole procedure. While using the online banking method, you can also choose to change certain personal details linked to your bank account, like your name, address, phone number and other details.</li><li>If you are someone who prefers methods that do not require the internet, go for the offline methods to check your HDFC credit card balance. You can either call their toll free number 1800 425 4332 or send an SMS CCBAL with the last four digits to 5676712 to know your HDFC credit balance easily. And if you want to know your current credit limit, SMS CCACL with the last four digits of your credit card number and send it to 5676712. Remember to send the SMS from your official registered number that is linked to your bank account to avoid any issue. Also, the messaging service is not free. The service might charge one rupee or two, based on your locality.</li><li>If you prefer using offline methods, you can also give a missed call to 1800 270 3311, and it will send you all details regarding your current account balance.</li><li>Using an ATM is also a feasible option for those who want to avoid the online options. Simply visit your nearest HDFC bank ATM. Use your usual pin number to check your credit card balance. If you live near an HDFC branch, do not hesitate to go and visit the branch for all kinds of balance queries related to your HDFC credit card.</li><li>You can use the official HDFC app that is available to download for both android and IOS devices. Download the app and sign up to check your credit card balance. You will be asked to put your credit card details. Be careful while filling these areas to make sure the procedure happens without any error. This method is slightly more complex as compared to the SMS and calling method. However, it is still one of the most feasible methods that you can apply.</li><li>As a first time user, you could consider visiting your nearest bank branch to enquire about your credit card balance.</li><li>Another easy way to know your current credit card details can be by noticing your monthly credit card statements. HDFC provides the customers with the details of their credit cards details.&nbsp;</li><li>You can also subscribe for a hard copy which gives you a clear picture of the credit card balance progress. The most convenient way to get regular bank statements is to get them in your mail. They become easier for you to monitor as well.&nbsp;</li></ul><p>Monitoring these statements regularly will give you a detailed idea about your credit card balance in a regular manner. The major part is, this method does not cost anything, and you still get to know the details without any issue.</p><h2><strong>Significance of Regular HDFC Bank Credit Card Balance Check</strong></h2><p>If you have got an idea of how to check HDFC credit card balance, go ahead to learn why it is important to check your credit card balance and what exactly its significance is in your life. Whether you are a new user or an old one, you should never stop checking your credit card balance for several reasons.</p><p>The first and foremost significance of checking your credit card balance regularly is to know your current balance and how much you can spend in the current situation. Just knowing the balance can save you from being embarrassed at a shop or a restaurant if you happen to have a low balance.</p><p>Keeping your transactions under supervision is extremely important in today’s world. No illegal transaction or unethical transaction that might have happened via your credit card can be traced if you keep checking your card balance regularly.</p><p>Therefore, the major reason that you should keep in mind in this regard is ensuring safety. It lends you an idea about whether you have any transactions going on via your credit card that you are unaware of. If you find any such fraudulent transaction that might have happened without your awareness, report it to the bank and take the help of the police if needed.</p><p>Keeping an eye on your expenses and transactions is important. Keep track of your investments and savings, for it will help you in the long run.</p><p>If you do not check your credit card balance regularly, it might be difficult for you to plan and navigate how much you spend on shopping, holidaying, or other expenses. Check your balance, analyse and invest at your convenience. Even in an unexpected emergency situation, you can withdraw cash for hospital bills and other necessaries. In order to use your credit card for emergency purposes as well, you have to keep checking your balance regularly.</p><p>These are the major reasons why you should keep track of your credit card balance and never stop checking it if you want to avoid unethical fraudulent activities that may take place at times.</p><h2><strong>How to Read HDFC Credit Card Statement</strong></h2><p>The most convenient way of checking your card statement is to go through the monthly credit card statement that the HDFC card sends you. If you have already registered with the HDFC services, you probably get a credit card statement through your email every month. If you apply for a hard copy, it will be sent every month to your address as well.</p><p>Your credit card statement consists of all your transactions that have taken place via your card. Apart from that, it also consists of other information like the amount you paid during the last billing cycle, minimum amount due, outstanding balance, reward points, etc., accessing your credit card details and going through your transaction and other details do not cost you anything. It is a free service that you can use at any time.</p><p>Your statement is sent to you in a format using which you can directly download it as a pdf on your device. It is a convenient method and gives you a proper detailed vision of your entire credit card transactions. You also have the option to archive your credit card statement if you do not wish to show it to anybody else.</p><p>You can physically collect the statement as well. Visit your nearest HDFC bank ATM or probably a bank branch, and the staff members will guide you to access your credit card details.</p><h2><strong>FAQs</strong></h2><h4><strong>✅What is the easiest method to check HDFC credit card balance?</strong></h4><p>Ans: More or less, all the options are quite feasible when it comes to checking your credit card balance. However, checking the details from the card statements every month from your mail seems to be the most convenient one since you do not have to physically be present to collect them.</p><h4><strong>✅How can I get a credit card balance refund?</strong></h4><p>Ans: A balance refund refers to the amount of money the credit company owes you. This only happens if you happen to pay more than you owe the credit card user.</p><h4><strong>✅How long does it take for a credit card balance refund to take place?</strong></h4><p>Ans: Usually, seven days are estimated when it comes to receiving the balance refund. However, it may take up to 10 business days at times, depending on several factors.</p><h4><strong>✅Should I overpay my credit card balance to increase my credit card limit?</strong></h4><p>Ans: If you overpay, the company owes you an extra amount. Your credit limit, however, has no chance to increase in the meanwhile.</p><h4><strong>✅Is checking credit card balance using the SMS method easier compared to other methods?</strong></h4><p>Ans: Yes, it is more convenient since you can do it at any given moment and do not have to go anywhere for it.</p><h4><strong>✅How do I know the minimum balance of my HDFC credit card?</strong></h4><p>Ans: If you have a regular savings account, you will be required to keep a minimum of 10,000 INR to avoid regular penalty charges. However, in the semi-urban branches, the lower limit tends to be around 5000 INR.</p><h4><strong>✅Can I apply for an HDFC credit card if I do not have any other credit card?</strong></h4><p>Ans: Yes. Even if you do not have a credit card linked to any other bank, you can certainly apply and get your HDFC credit card.</p>

large_How-to-Check-HDFC-Credit-Card-Balance_2.jpg

medium_How-to-Check-HDFC-Credit-Card-Balance_2.jpg

small_How-to-Check-HDFC-Credit-Card-Balance_2.jpg

thumbnail_How-to-Check-HDFC-Credit-Card-Balance_2.jpg

How-to-Check-HDFC-Credit-Card-Balance_2.jpg

How To Check HDFC Credit Card Balance ✓Check by Net Banking, SMS & Customer Care ✓Check HDFC Credit Card Balance through Missed Call.

How to Check HDFC Credit Card Balance?

<p>How To Check HDFC Credit Card Balance ✓Check by Net Banking, SMS &amp; Customer Care ✓Check HDFC Credit Card Balance through Missed Call.</p>

<p>Credit Cards have changed the way we shop. Its ‘buy-now and pay later’ concept gives us the leverage to spend beyond our means and to pay back safely in smaller installments over a period of time. So whether it’s a quick unplanned purchase or paying off emergency medical bills, a credit card comes across as a ‘true friend’ in the time of need. It’s handy and easy to use with no fuss involved. Not to miss the numerous add-on rewards and benefits that add value to every rupee spent on the credit card.</p><p>But credit cards come with an inbuilt feature – the credit card limit. While the maximum amount that one can swipe on the credit card is called the credit card limit, the amount of money used on the card is the outstanding credit card balance. The interest and penalties thereon are charged on the unpaid outstanding credit card balance. Therefore, keeping a close eye on the outstanding credit card balance is important to make the most out of this revolving credit instrument.</p><h2><strong>Ways to Check Credit Card Balance in 2021</strong></h2><p><strong>How to check credit card balance</strong> is invariably the most sought-after question by every credit card user. Needless to say, every bank and NBFC that issues a credit card supports numerous channels through which its customers can check credit card balance. These include:</p><h3><strong>Monthly Credit Card Statement</strong></h3><p>The credit card provider generates a monthly statement at the end of every month once the credit card billing cycle closes. This statement mentions all the information pertaining to the credit card, including the credit card limit, usage during the month, details of the billing cycle, payment due date, paid instalments along outstanding balance. Interest, if any, levied on the previous outstanding balance is also mentioned therein. One can avail of the monthly credit card statement in form of a hard copy via post at the registered mailing address or get a soft copy via email at the registered email address.</p><h3><strong>Net Banking</strong></h3><p>For always on the go customers, net banking answers their query of ‘<strong>how to check credit card balance</strong>’. The online method of checking credit card balance can be used from anywhere, any time. Customers simply need to log into their bank’s net banking portal. The user name and password required in this channel are generally mentioned in the welcome kit given by the credit card provider during the sign up of the credit card. After logging into your account using the login details, one can navigate to the ‘My Account’ section to view other details regarding credit card balance.</p><h3><strong>Mobile App</strong></h3><p>On Smartphones credit card users can download the proprietary banking application. This allows the credit card used to remain posted about the credit card limit, unused credit card balance, credit card spending, bill due date, details about levied interests, accumulated reward points, etc on a real-time basis. These applications are locked through self-created passwords and thus provide added security and privacy.</p><h3><strong>Customer Care Helpline</strong></h3><p>Every bank or an NBFC has a designated customer care helpline number that provides assistance for customer queries. For all those who still rely on the traditional methods, a call at the customer care number of your credit card provider can answer your <strong>‘how to check credit card balance</strong> question’. Either through IVR or by speaking to the customer care representative, cardholders can seek all credit card related information after completing customer authentication via PIN.</p><h3><strong>SMS Alerts</strong></h3><p>For the purpose of convenience and security, credit card subscribers have the option to avail SMS alerts on their registered phone number. This facility works on a real-time basis and provides information on every transaction initiated on the credit card along with the transaction amount and outstanding credit card balance.</p><p><strong>ATM Booth</strong></p><p>One can also check the credit card balance at the nearest ATM booth. Simply swipe the credit card at the ATM machine and select the card balance option from the menu. The transaction can be completed only once you put the PIN number as the access code. After verification, the credit card balance can be viewed on the screen.</p><h3><strong>Visit to Bank Branch</strong></h3><p>A visit to your nearest bank branch can be of great help to first-time users who wish to get more information on <strong>how to check credit card balance.</strong> Representatives at the help desk can also provide information on how to <strong>balance transfer credit card</strong> outstanding amounts to a lower interest rate option.</p><h2><strong>Why Should You Check Credit Card Balance?</strong></h2><p>To be honest, credit cards have their own pros and cons. It offers the entire spectrum of benefits only if used properly. On the other hand, missed or overdue card payments attract hefty interests and late payment charges that push you into the debt trap. To avoid this mess, it is important that the credit card user is fully and regularly updated about their credit card outstanding.</p><p>Reasons, why one should check their credit card balance regularly, are:&nbsp;</p><h3><strong>Helps you know the outstanding and schedule timely payment</strong></h3><p>Checking credit card balance regularly makes you aware of the balance outstanding which helps in scheduling the timely payment.</p><h3><strong>Helps you know the unused balance and plan your next purchase</strong></h3><p>Credit cards come with a fixed usage limit, called the credit card limit. Every transaction changes the used to unused balance ratio. Once the credit card user transacts for an amount above the unused available amount, the transaction is declined. Therefore, being aware of the credit card balance helps you decide in advance and plan your spending.</p><h3><strong>Helps you monitor and flag fraudulent charges</strong></h3><p>A regular check of the credit card balance helps to keep a track of transactions made during a credit card cycle. Unauthorized charges or fraudulent transactions surfacing during this time can also be highlighted for reversal.&nbsp;&nbsp;</p><h3><strong>Helps avail balance transfer credit card</strong></h3><p>Being aware of the credit card balance helps you avail the option to <strong>balance transfer credit card</strong> outstanding to a different bank offering a lower rate of interest. This switch-over can help you save big in the long run.&nbsp;</p><h3><strong>Helps you maintain a good credit score</strong></h3><p>To maintain a good credit score is important for your financial health. Checking your credit card balance helps you avoid late payments and undue penal charges which negatively impact your financial history. Also, being aware of the ‘credit utilization ratio’ and keeping it under 30 per cent becomes more achievable.</p><h2><strong>Difference Between Credit Card Balance and Total Credit Limit</strong></h2><p>As a credit card using one is aware of the two terms - Total Credit Limit and Credit Card Balance. Simply put, the credit card limit is the maximum amount (limit) that the cardholder can spend at any given time. This limit is fixed by the credit card provider and is dependent on the income, age, financial standing, credit history, and existing liabilities of the credit card user. The credit card limit can be increased or decreased at the discretion of the issuer.</p><p>On the other hand, a credit card balance is the amount of credit that the user has availed. It is the amount that the credit card user owes to the credit card company. It is the sum total of any unbilled amount and the outstanding amount. The finance charges and late payment charges are levied on the outstanding credit card balance for each billing cycle.</p><h2><strong>How to Check Credit Card Balance for Top Banks in India?</strong></h2><p>From <strong>how to check credit card balance</strong> to know how to <strong>balance transfer credit card </strong>outstanding, here’s comprehensive information about <strong>how to check credit card balance</strong> for top banks in India:</p><h2><strong>How to Check SBI Credit Card Balance</strong></h2><p>State Bank Of India credit card users who wish to check their credit card balance can do so through the following modes.</p><h3><strong>Register on Website</strong></h3><p>SBI credit card users must register on the SBI Card website. The one-time registration process has the following steps:</p><ul><li>Visit www.sbicard.com</li><li>Click on the ‘Login’ link in the header bar</li><li>For new user click on ‘First time user’ at the bottom of the page</li><li>Enter the information and submit the details by clicking on the ‘Proceed’ button</li><li>&nbsp;A One-Time Password (OTP) will be generated by the website and sent on the registered mobile number</li><li>Enter the OTP and click on ‘Proceed’ once again.</li><li>Set your preferred User ID and password and ‘Confirm’ the same.</li><li>Once the User Name and password generation process is complete you can access your credit card details.</li><li>Use the same login details for subsequent visits to the SBI Card Online website.</li></ul><h3><strong>Mobile App</strong></h3><ul><li>Download the ‘SBI Card’ mobile app on your Android or IOS Smartphone</li><li>Click on the ‘First-time user/Sign-Up’ link</li><li>Provide details for your Credit Card Number, CVV number, and your Date of Birth</li><li>Click on ‘Generate OTP’</li><li>You will receive a one-time password (OTP) on your registered mobile number and registered email address</li><li>Enter the OTP and enter the device name (for device linking) and click on ‘Proceed’</li><li>Set your preferred user ID and password</li><li>Set a different M-PIN for easy access to SBI Card mobile app</li></ul><h3><strong>Simply SMS</strong></h3><p>SBI credit card users can send an SMS to 5676791.</p><ul><li>For Balance enquiry - BAL XXXX</li><li>For Available credit and cash limit - AVAIL XXXX</li><li>For Last payment status - PAYMENT XXXX</li></ul><p>XXXX here, are the last 4 digits of your card number. The SMS should be sent from the registered mobile number.</p><h3><strong>Customer Care</strong></h3><p>SBI credit card users can call on</p><ul><li>1860 180 1290</li><li>1860 500 1290&nbsp;</li><li>39 02 02 02 (prefix local STD code)&nbsp;</li><li>&nbsp;1800 180 1290</li></ul><h3><strong>Missed Call Service</strong></h3><p>Kind of information needed - Virtual mobile number</p><p>Balance Enquiry</p><p>Give a missed call at 8422845512</p><p>Available Credit and Cash Limit</p><p>Give a missed call at 8422845513</p><p>Last Payment Status</p><p>Give a missed call at 8422845515</p><h3><strong>Monthly Statement</strong></h3><p>Credit card subscribers can avail of the option of getting a hard or soft copy of the credit card bill monthly on the registered postal address or registered email ID.&nbsp;</p><h3><strong>Visit the Bank</strong></h3><p>Credit card subscribers can visit the nearest bank branch to seek details of the credit card balance. Bank representatives can also provide information on how to transfer credit card balance.</p><h2><strong>How To Check ICICI Bank Credit Card Balance</strong></h2><p>The various channels through which ICICI bank credit card users can check their card balance are:</p><h3><strong>Net Banking</strong></h3><ul><li>Visit the official website https://www.icicibank.com/</li><li>Through the ‘Login’ link enter the user ID and password</li><li>Select the Credit Cards option and the card number of which you want to check the balance</li></ul><h3><strong>Mobile Application</strong></h3><ul><li>Download iMobile App</li><li>Login using your account details</li><li>Select the Credit Card number and click on ‘Check Balance’</li></ul><h3><strong>SMS</strong></h3><p>ICICI Bank Credit Card users can check the balance by sending an SMS to 9215676766 through the registered mobile number.</p><h3><strong>Customer Care</strong></h3><p>ICICI Bank credit cardholders can call the toll free helpline number to know their ICICI Bank Credit Card Balance</p><ul><li>ICICI Helpline number; 1860 120 7777</li><li>Follow the Interactive Voice Response (IVR) procedure to complete the call&nbsp;</li></ul><h3><strong>ATM</strong></h3><p>ICICI bank also allows customers to check their credit card balance at the nearest ATM booth. The steps involved are:</p><ul><li>Swipe the credit card in the card slot</li><li>Select check balance</li><li>Enter the PIN</li></ul><h3><strong>Monthly Statement</strong></h3><p>Credit card users can opt for a hard copy of the credit card bill on the registered postal address or a soft copy of the same on the registered email ID. The statement is issued monthly at the end of the billing cycle.</p><h3><strong>Visit the Bank</strong></h3><p>ICICI Bank credit card subscribers can visit the nearest ICICI bank branch to seek details of the credit card balance. The customer must keep the credit card number handy.</p><h2><strong>How To Check HDFC Bank Credit Card Balance</strong></h2><p>HDFC Bank credit card customers can check their outstanding balance through the following options:</p><h3><strong>Register on Website</strong></h3><ul><li>Login to<a href="https://www.hdfcbank.com/personal/ways-to-bank/online-banking/credit-card-netbanking"> the HDFC website and navigate to the credit card net banking section</a> and click on “Register Online’</li><li>Login using your User ID or create one</li></ul><h3><strong>Mobile App</strong></h3><ul><li>Download HDFC Bank mobile app</li><li>&nbsp;Login to your account and select the ‘Credit Card’ option</li></ul><h3><strong>SMS</strong></h3><p>HDFC Bank Credit Card users can check the balance by sending an SMS to 5676712 through the registered mobile number.</p><p>CCBAL(space)XXXX</p><p>XXXX here, are the last 4 digits of the credit card number</p><h3><strong>Customer Care</strong></h3><p>HDFC Credit Card users can call the customer care helpline @ (Local/STD Code) 6160 6161 and follow the IVR instructions to verify the credit card and seek details pertaining to the credit card balance.</p><h3><strong>Through ATM</strong></h3><p>HDFC bank also allows its customers to check their credit card balance at any ATM booth. The steps involved are:</p><ul><li>Swipe the credit card in the card slot</li><li>Select the ‘Check Balance’ option</li></ul><p>&nbsp;Monthly Statement</p><p>HDFC Bank issues a monthly credit card statement that reflects the credit card balance. Customers have the option to get a hard copy of the credit card bill on the registered postal address or a soft copy of the same on the registered email ID.</p><h3><strong>Visit the Bank</strong></h3><p>HDFC Bank credit card subscribers can visit the nearest HDFC bank branch. A customer care representative present at the bank will assist you to seek details of the credit card balance. The credit card user must carry the credit card along.</p><p>&nbsp;</p><h2><strong>FAQs</strong></h2><h4><strong>✅What happens if the credit card limit is fully exhausted?</strong></h4><p>Once the entire credit limit set on your card is used, all future transactions initiated on the card will get declined. The card will become usable again only when the total amount due or minimum amount due is paid on the due date.</p><h4><strong>✅ Can I withdraw cash using my credit card?</strong></h4><p>Most credit cards allow cash withdrawal from ATMs. The money withdrawn is considered as Cash Advance and attracts finance charges as well as a cash withdrawal fee.</p><h4><strong>✅What is the minimum amount due in a credit card outstanding?</strong></h4><p>The minimum amount due is the minimum payment that the cardholder is required to make on/before the due date in order to keep the credit card activated. It is calculated at 5% of the total outstanding balance.</p>

How to check credit card balance in India

large_How-to-check-Credit-Card-Balance-in-India-6-7-21-02.jpg

medium_How-to-check-Credit-Card-Balance-in-India-6-7-21-02.jpg

small_How-to-check-Credit-Card-Balance-in-India-6-7-21-02.jpg

thumbnail_How-to-check-Credit-Card-Balance-in-India-6-7-21-02.jpg

How-to-check-Credit-Card-Balance-in-India-6-7-21-02.jpg

How to check Credit Card Balance - Know all the ways to check credit card balance. Check advantages of Checking Balance to stay up to date with information.

How to Check Credit Card Balance In India - Know My Credit Card Balance - MyMoneyMantra

<p>How to check Credit Card Balance - Know all the ways to check credit card balance. Check advantages of Checking Balance to stay up to date with information.</p>

<p>A credit card can become your best friend if handles appropriately, and if used loosely, it can have you neck-deep in debts. This is the boon and bane of a credit card.&nbsp;</p><p>A tricky thing to handle is to understand the correct amount that you should pay for your credit card bill. Many people make the blunder of skipping their bill payments while some pay it in parts. While the latter situation may seem favourable sometimes, the former is the worst-case scenario. Let's understand how.&nbsp;</p><h2><strong>How much should I pay every month on my credit card?</strong></h2><p>Ideally, you should pay your credit card bill in full every time. This way, you avoid paying late payment fees and any extra charges or interests. However, if you're not able to pay your credit card bill in full, you should consider your spending behaviour.&nbsp;</p><p>Try to analyze if you’re credit-dependent or just credit hungry. While the former is still okay, the latter can be bad for your credit image.&nbsp;</p><p>Credit dependent is when you are dependent on your credit card for a fixed amount of expenditure every month, but you make timely payments too. Credit hungry is someone who applies for new credit frequently. This can be in the form of new credit cards or loans.&nbsp;</p><h3><i>Benefits of paying your credit card bill in full:&nbsp;</i></h3><ul><li>No late payment fees</li><li>It makes you a responsible credit cardholder (every credit provider's favourite)</li><li>Helps in improving your credit score (this helps in better credit card prospects and favourable loan conditions in future)</li><li>You might be awarded better benefits.&nbsp;</li><li>Your bank may offer you an increase in credit limit or a card with better benefits.&nbsp;</li></ul><h3>What is the minimum amount due?</h3><p>The minimum amount due, as the name suggests, is that part of your total bill that you should pay if you want to avoid paying late payment fees on your credit card bill. This is the least that you should pay from your total credit card bill (monthly).</p><p>When paying the minimum amount due to avoid a late payment fee, you need to make sure that the payment is made either on or before the due date. If it is done even a day after the due date, you will be charged with late payment fees, and this payment will be counted in the net billing cycle.&nbsp;</p><h3><i>What is the due date of a credit card bill?</i></h3><p>There are two dates related to your credit card bill. First is the date when you get your credit card bill. This is usually the 10th or 11th of every month. Any transaction made after this date is counted in the next billing cycles.&nbsp;</p><p>Now comes the credit card due date. This is the date on which you must pay your bill. Just like you pay your electricity bill on or before the due date to avoid penalty, you must do the same with your credit card bill too.&nbsp;&nbsp;</p><h3><strong>Can I pay the minimum amount due on my credit card?</strong></h3><p>Yes. If you're finding it extremely difficult to pay your credit card bill in full, the least you must do is to make the payment equal to the minimum amount due.&nbsp;</p><h3><strong>How does paying the minimum amount due on my credit card benefit me?</strong></h3><p>When you pay the least of your credit card bill, i.e. the minimum amount due, your bank does not levy late payment charges. Also, no red flags are shown in your credit report, which is an alarming factor if this shown frequently in your report. Many such marks show that you do not handle your finances well and are not creditworthy. This is not a favourable situation for any bank to sanction your loan in times of need.&nbsp;</p><p><i>Is it okay to pay the minimum amount due only?</i></p><p>It is not advised to pay only the minimum amount due on your credit card. When you constantly make payments in this manner, it reflects poorly in your credit report. It portrays you as too dependent on credit with limited capacity to repay the same.&nbsp;</p><p>This option should only be chosen when your means to repay the bill are genuinely limited.&nbsp;</p><p>A good practice is not to use your credit card for further transactions till you repay your credit card bill in full. If you're planning to pay your bill in parts, then you should try to reduce your carry-forward balance to avoid getting charged with hefty interests. The logic is simple: The greater the balance, the higher the interest.&nbsp;&nbsp;</p><h3><strong>Why is credit card due date important?</strong></h3><p>The due date of a credit card is the date after which the bank shall start levying late payment penalties on your balance. This can turn big and bigger if the due date is constantly skipped.&nbsp;</p><p>In some cases, due to consistent late payments of the credit card bill, i.e. after the due date, sometimes the credit cardholder lands into a debt trap.&nbsp;</p><p>The interest starts building up so high along with the other charges like finance charges that some people end up taking personal loans to repay their credit card bills. And then they end up paying heavily on their loan repayment also since these loans are generally costly with a high rate of interest (usually ranging from 12% - 30% or more).&nbsp;</p><p>To avoid such scenarios, it is always advised to pay your credit card bill in full and before the due date.&nbsp;</p><h3><strong>FAQs</strong></h3><h4><strong>✅What is the ideal time to pay a credit card bill?</strong></h4><p>The best time to pay the credit card bill is right before the due date.&nbsp;</p><h4><strong>✅What happened when I pay the minimum amount due instead of the total credit card bill?</strong></h4><p>When you pay the minimum amount due, you save yourself from a late payment fee, but in turn, you fetch finance charges. These charges can become significant if your carry-forward balance is high.&nbsp;</p><h4><strong>✅Is it wise to get a loan to pay the credit card bill?</strong></h4><p>No. This should be the last option. It’s like getting a loan to repay a loan. And that leads to inflated interest payments since you’ll be paying double interest, i.e. interest on your credit card bill plus the interest on the loan thus taken.&nbsp;</p><h4><strong>✅What is a credit card billing cycle?</strong></h4><p>Credit card billing cycle is the period between the closing date of the last credit card statement and the next statement,&nbsp;</p><h4><strong>✅Can I make multiple monthly payments of my credit card bill?</strong></h4><p>Yes, you may do so. This can help reduce your interest charges. This happens when multiple payments are made; the daily balance keeps on reducing, and automatically the daily interest being charged also lowers.&nbsp;&nbsp;</p><h4><strong>✅What is an optimum credit utilization ratio?</strong></h4><p>Ideally, you should not use your credit card for more than 30-40% of the total credit limit. E.g. if your credit limit is Rs. 1 lakh, you should try to limit your credit usage to not more than Rs. 30,000 – 40,000. A low credit utilization ratio manifests that you are not credit hungry.&nbsp;</p><h4><strong>✅Should I keep more than one credit card?</strong></h4><p>Keeping more than one credit card is not a bad situation to be in. It helps keep the credit ratio in check by splitting the expenditure among all the credit cards as the limit also expands. However, you should try to get the second card which does not charge any annual fee. This will expand your credit limit while not adding an extra fee to your finances.&nbsp;</p>

large_How-Much-Should-You-Pay-on-Your-Credit-Card_2.jpg

medium_How-Much-Should-You-Pay-on-Your-Credit-Card_2.jpg

small_How-Much-Should-You-Pay-on-Your-Credit-Card_2.jpg

thumbnail_How-Much-Should-You-Pay-on-Your-Credit-Card_2.jpg

How-Much-Should-You-Pay-on-Your-Credit-Card_2.jpg

A credit card can become your best friend if handles appropriately, and if used loosely, it can have you neck-deep in debts. This is the boon and bane of a credit card. 

How much should you pay on your credit card? - MyMoneyMantra

<p>A credit card can become your best friend if handles appropriately, and if used loosely, it can have you neck-deep in debts. This is the boon and bane of a credit card.&nbsp;</p>

<p>Are you new to credit cards? If yes, you're at the right place. It is important to know where to apply for a credit card and how. Also, it is important to first compare different credit cards before choosing your pick.&nbsp;&nbsp;</p><p><i>How is this blog useful to you?</i></p><p>First, we’ll understand the benefits and types of credit cards as well as how to use credit cards. Along with these, we shall also provide an important point – “<i>What not to do when applying for a credit card”.</i> And lastly, you will have a step-by-step guide to applying for a credit card on Mymomeymantra successfully.</p><h2><strong>Benefits of Credit Cards in India</strong></h2><p>Owning a credit card gives you the right amount of exposure to the credit market. With a suitable credit card in your hand, you can access the best deals and offers. This way, you have the chance to save as you spend.&nbsp;</p><p>The following are the benefits of a credit card:&nbsp;</p><ul><li><strong>Rewards &amp; Discounts</strong></li></ul><p>Unlike a debit card payment or payment in cash, a credit card payment most of the time offers you rewarding deals and discounts. You may get complimentary access to the VIP lounge at airports while enjoying complimentary drinks when using a credit card to pay for a fine-dining event. Along with it, many credit card providers also offer discounts and cashback on online shopping.&nbsp;</p><p>Also, specific credit cards offer rewards &amp; cashbacks on every authorized transaction, like the HDFC Moneyback credit card or Bharat Cashback credit card. With such cards, you can accumulate reward points and redeem them at a later event to save considerably.</p><ul><li><strong>Helpful in building a credit score</strong></li></ul><p>A credit score is a fairly new concept in India, but its relevance cannot be ignored when applying for any kind of credit – be it a credit card with a higher limit or a loan. If you use your credit card systematically and thoughtfully, you can easily pull your credit score up. A good credit score means that you are creditworthy or simply said a reliable candidate for banks to provide a loan.&nbsp;</p><p>However, if used randomly, your credit card can very well bring down your credit score, thus curtailing your chances of getting a better credit card or a loan in future.&nbsp;</p><ul><li><strong>Easy EMI conversion</strong></li></ul><p>Credit cards offer customers the option of converting a payment into EMIs. Suppose you wish to buy an expensive mobile phone, but it's expensive to pay in a lump sum. Also, you're sure that you won't be able to pay this amount at the next due date. You can convert your credit card payment to EMI instead of a one-time payment in such a situation.&nbsp;</p><p><i>How is a credit card EMI useful?</i></p><p>Let’s understand this with an example.&nbsp;</p><p>Ms Z, a banker, buys the latest home theatre for Rs. 1,20,000 with her credit card, but instead of paying in full, she gets it converted into 12 EMIs of Rs. 10,000 each. Although the card is wiped for the total sum of Rs. 1.2 lakh, the entire sum is not added in her statement. This means that at the next cycle, she gets a bill of Rs. 10,000 and not Rs. 1.2 lakh. This way, she doesn't have to pay interest on the due amount of Rs. 1.2 lakh but only Rs. 10,000 for the next 12 months, which is an affordable option for her.&nbsp;</p><p><i>However, an important point to notice is that while the amount is converted into EMIs, Ms Z’s credit limit is blocked for Rs. 1.2 lakhs till she repays this amount in full.&nbsp;</i></p><ul><li><strong>Protection against online frauds</strong></li></ul><p>Some of the credit cards come with a facility known as zero-fraud liability cover. This safeguards the cardholder against online fraud. Unlike a debit card, the customer's money is not directly debited from their bank account, and they do not have to pay for this money later too. The important thing is to recognize the fraud transaction and report it immediately.&nbsp;</p><h2><strong>Types of Credit Cards</strong></h2><p>There are disparate types of credit cards available in India to suit the varied needs of customers. These can be classified as follows:&nbsp;</p><p><strong>Secured Cards</strong></p><p>Secured credit cards are one where you load a certain amount in your card and then use it to make a purchase. Another type of a secured credit card is a credit card against FD (fixed deposit). Such cards are issued against your fixed deposit account. The limit is usually 70-90% of the FD amount (minus the interest accrued on FD). Such cards charge little interest as compared to unsecured credit cards since there is collateral that banks can use in case you continuously fail to make payments.</p><p><strong>Unsecured Cards</strong></p><p>All the credit cards that do not require you to provide some kind of security at the time of application are termed unsecured credit cards. Listed below are the different types of unsecured credit cards:&nbsp;</p><ul><li>Money-back or Cashback Credit Cards</li><li>Dining Credit Cards</li><li>Travel Credit Cards</li><li>Fuel Credit Cards</li><li>Zero Annual Fee Credit Cards&nbsp;</li></ul><p><i>Note: This list is not exhaustive.&nbsp;</i></p><h3><strong>How to Use Credit Cards?</strong></h3><p>It is one thing to own a credit card and a whole other thing to use a credit card – wisely. When used wisely, a credit card can assist you manage your expenditure while helping you maintain and sometimes improve your <i>credit health</i>* too.</p><p><i>*Credit health – a term used to determine how well a person handles credit. Good credit health can be identified by a good credit score (generally above 700).&nbsp;</i></p><p>Consider the following points on how to use a credit card wisely:&nbsp;</p><ul><li><strong>Know your annual fees</strong></li></ul><p>Ask yourself – Do I&nbsp;<i>need</i> a premium credit card? If the answer is no or a maybe, you need to analyze right now. A premium credit card is likely to attract heavy annual fees. Regardless of how less you use your credit card, you will have to pay the annual fee. If you are not sure to use your credit card as much and if most of the benefits offered are of no use to you (like a VIP airport lounge access in times of COVID-19), you should probably ditch the idea. Go for a basic credit card and upgrade later, if needed.&nbsp;</p><ul><li><strong>Billing Cycle&nbsp;</strong></li></ul><p>You should always know about your billing cycle, i.e. when is your credit card due date? If you skip this date even by a single day, you will have to pay late payment fees along with interest charged on balance carry forward. If ignored continuously, you will get a notice from your bank, red flags on your credit report and a big-fat penalty for paying – all of which, when looked at in a bundle, looks anything but good.&nbsp;</p><ul><li><strong>Identify your needs&nbsp;</strong></li></ul><p>If you wish to build your credit score, start using your credit card for small regular transactions, like your phone bill. This way, you will not depend too much on your credit card while gradually building your credit history. If handled carefully, you will surely have a good credit score.&nbsp;</p><p>If your wish to buy an expensive product, you can try converting your credit card payment into EMIs. This way, you save considerably on interest payments while staying well within your monthly budget.&nbsp;</p><ul><li><strong>Use less than 40% of your total credit limit.</strong></li></ul><p>If you have a credit card limit of Rs. 1 lakh, try not to use it to the most. Why? A heavy credit card bill will fetch heavy interest if you do not pay in full or miss the due date for even the minimum amount due also, your credit limit will be blocked till the time you pay the entire amount, and your card will be useless in case of an emergency. Along with it, it may impact your credit score as well.&nbsp;</p><ul><li><strong>Pay your bills before or on the due date – ALWAYS.&nbsp;</strong></li></ul><p>Missing the credit card due date is the worst idea. The due date is mentioned on your credit card monthly statement. If you are not able to pay your bill in full, the least to do here is to pay the minimum amount due. This is the amount which you can pay and avoid late payment fees. You can use the auto-payment facility, which most credit card providers provide. This way, you never miss your due date.</p><ul><li><strong>Limit your credit card dependency</strong></li></ul><p>If you're noticing that most of the time, you're unable to pay your credit card bill in full, and the balance is carry-forwarded again and again, it means that you are getting too much dependent on your credit card. This is when you need to manage your expenditure to avoid getting stuck with high-interest payments, penalties, finance charges and more.&nbsp;</p><ul><li><strong>Never share your credit card details.&nbsp;</strong></li></ul><p>Never write down your credit card details anywhere or share them with anyone – ever. It's like inviting credit card frauds. If someone else has your credit card details, they do not need your credit card in hand to misuse it. As it is told, prevention is better than cure.&nbsp;</p><h2><strong>How to Apply for a Credit Card on Mymoneymantra?</strong></h2><p>Here is a step-by-step guide to apply for a credit card online on Mymoneymantra:</p><p>Step 1: Visit the&nbsp;<a href="https://www.mymoneymantra.com/credit-cards">official website</a>&nbsp;of Mymoneymantra.&nbsp;</p><p>Step 2: Click on “Credit Cards” from the top bar menu.&nbsp;</p><p>Step 3: Hit the “Compare and Apply” button.&nbsp;</p><p>Step 4: Fill in the online form thus displayed on your screen with your full name, phone number and email address. Do not forget to accept the company’s privacy policy and T&amp;Cs after carefully reading the same.&nbsp;</p><p>Step 5: Submit using the “Let’s Go” button.&nbsp;</p><p>Upon successful submission, you will have a list of credit cards to apply for. Choose from the list and get instant approval.&nbsp;</p><h3><strong>FAQs</strong></h3><h4><strong>✅Should I apply for a credit card online? Is it safe?&nbsp;</strong></h4><p>Yes, applying for a credit card online is not only safe but very easy too. The information you share with the provider is neither stored in the system nor shared with anyone. Also, with banks like Axis and Kotak Mahindra coming up with KYC via video call, the need to visit the bank to get a credit card is eliminated. This helps you practice social distancing, which is the need of the hour.&nbsp;</p><h4><strong>✅I have been applying for several credit cards at different banks. Is that a bad thing?</strong></h4><p>Applying for multiple cards or at multiple banks simultaneously are counted under the hard enquiries. Multiple hard enquiries are not good for your credit score. You may be seen as credit hungry, and this is not a good thing.&nbsp;</p><h4><strong>✅What are some of the easiest to get credit cards?</strong></h4><p>HDFC Moneyback, HDFC Freedom, ICICI Platinum Chip, etc., are some of the credit cards that are easy to get, even for those who are new to credit.&nbsp;</p><h4><strong>✅Why is my credit card application rejected?</strong></h4><p>There can be several reasons for the rejection of your credit card application, viz.:</p><ul><li>Incomplete or wrongly-filled credit card application</li><li>Unstable source of income&nbsp;</li><li>Unrecognized organization in which you’re employed&nbsp;</li><li>Your credentials are not up to the mark with the internal requirements of the credit card provider.</li><li>Another reason can be a low credit score (600 or below).&nbsp;</li></ul>

large_How-to-Apply-for-Credit-Card-in-India-in-2021_1.jpg

medium_How-to-Apply-for-Credit-Card-in-India-in-2021_1.jpg

small_How-to-Apply-for-Credit-Card-in-India-in-2021_1.jpg

thumbnail_How-to-Apply-for-Credit-Card-in-India-in-2021_1.jpg

How-to-Apply-for-Credit-Card-in-India-in-2021_1.jpg

Are you new to credit cards? If yes, you're at the right place. It is important to know where to apply for a credit card and how.

How to apply for a Credit Card in India 2021? - MyMoneyMantra

<p>Are you new to credit cards? If yes, you're at the right place. It is important to know where to apply for a credit card and how.</p>

Keep up with the latest trends in banking

Get in touch

contactus@mymoneymantra.com

Follow us