How to Check Credit Card Application Status?

Tracking your credit card application status gives you clarity and oversight about managing your finances. 

The process is quite simple, as you can check the credit card application status from your bank’s website or the mobile application. Some banks even facilitate checking the status offline using a dedicated customer care number, SMS, or branch visit. 

Whether you want to check your credit card status online or offline, tracking your application’s progress ensures you stay informed.

How to Check Your Credit Card Application Status?

Once you have applied for a credit card from a bank in India, you will get a confirmation message acknowledging your application. This message usually contains a reference number and an application number which are essential identifiers to track your credit card application status.

You will also receive a confirmation message indicating your application is being processed if you meet the bank’s eligibility criteria.

Steps to Check Your Credit Card Application Status Online

There are two ways to check your credit card application status online, using the bank’s website or the mobile application. The steps for checking your credit card status usually vary depending on your bank or credit card issuer. 

However, we will try to give you the generalized steps to track your credit card application status online and offline.

Using the Bank’s Website

Here is how you can check your credit card status on your bank’s official website -

• Step 1: Visit the bank’s official website and click on the ‘Credit Card’ tab on the navigation bar.

• Step 2: Click on ‘Track Application Status.’

• Step 3: Enter the details required such as application form number, reference number, ID proof (PAN), and date of birth once a window is displayed.

• Step 4: After entering the details, click on ‘Retrieve Status’ or simply hit ‘Enter’.

• Step 5: The website will display your credit card application status.

Using the Bank’s Mobile Phone Application

Most banks have mobile apps that give easy access to banking services. Let’s look at the step-by-step process to check your credit card application on your bank’s mobile app -

• Step 1: Log in to your bank’s or credit card issuer’s mobile application using your registered phone number or email. Enter the OTP received on your phone or email and you can enter the dashboard of the app. Alternatively, you can also log in using a secure 4-digit or 6-digit PIN that you have set up for the app.

• Step 2: Go to the ‘Services’ → ‘Card Services’ → ‘Credit Card’ → ‘Track Application’.

• Step 3: You will be displayed the following options - application initiated, KYC, document verification, application processing, and card delivery. These options help you understand the stage your credit card application is in.

Steps to Check Your Credit Card Application Status Offline

For any reason, if you’re unable to check your credit card status online, you can choose the following offline methods for your convenience.

Using the Customer Care Portal

All banks and credit card issuers have a customer care portal to help their customers. Here is how you can use it to check your credit card application status -

• Step 1: Keep your credit card application details and documents handy before you call the bank’s customer care portal.

• Step 2: Call the bank’s customer care number.

• Step 3: Connect with a customer service representative and offer the necessary details requested by them.

• Step 4: Receive guidance from them and know how to check credit card status for yourself.

Using SMS

SMS services are easy to use and give you prompt results. Follow these steps to check your credit card status through SMS -

• Step 1: You need to opt for SMS service with your bank or credit card issuer to use this method.

• Step 2: You will receive a specific SMS code for tracking your credit card application from the bank’s website or knowledge center.

• Step 3: Type that code and send the SMS to the number provided.

• Step 4: You will receive the necessary details about your credit card application status on your phone.

Branch Visit

You can always visit your bank’s branch or card issuer’s office to enquire about your card’s status. Here are the steps -

• Step 1: Locate your nearest bank branch.

• Step 2: Visit the branch and connect with a customer service representative.

• Step 3: Track your credit card application status in person by following their advice.

• Step 4: Stay informed with updates regarding your credit card application.

Information or Documents and Information Required to Check Your Credit Card Application Status Online

When checking your credit card application status, you need to keep these information or documents handy:

• Credit card application form number and application reference number - provided as soon as your application is confirmed.

• ID proof - such as your PAN card, Aadhar card, or Passport.

• Date of birth - for additional verification.

• Registered mobile number - linked to your application.

Why Do You Need to Check Your Credit Card Application Status?

When you know how to check credit card status, it usually helps you with the following upsides:

• Staying informed: Knowledge about the progress of your application.

• Planning finances: Preparation about credit card usage or alternative options.

• Identifying issues: Quick resolution of any application roadblocks or delays.

• Ensuring security: Double-checking your application details helps avoid potential fraud or misuse.

How to Check Axis Bank Credit Card Application Status Online

Follow the simple steps given below to check your Axis bank credit card application status -

• Visit the Axis Bank website

• Click on ‘Products’ and then select ‘Cards’

• Then select ‘Select Apply online for credit cards’ followed by ‘Select Track your Application’ and ‘Enter Application ID’

• After providing your application ID, enter your mobile number

• Your credit card status will be displayed on the screen

Alternatively you can also contact their customer care number or email them.

How to Check HDFC Bank Credit Card Application Status Online

Here are the steps to follow to check your HDFC credit card application status -

• Once you apply for an HDFC credit card, you will get a message acknowledging your application with a reference and application number

• Next, you will have to visit the ‘Track Your Credit Card’ page on the HDFC website

• Enter your mobile number

• Then enter any one of the following details -

  • Application reference number

  • Application form number

  • Date of birth

• Enter the displayed code and your credit card application status will be displayed

You can also contact the HDFC 24*7 customer care service to find out your credit card status offline.

How to Check ICICI Bank Credit Card Application Status Online

Here’s how you can check your ICICI bank credit card application status -

• Visit the ICICI bank website and log in

• Click on ‘Cards & Loans’ on the top bar and select ‘Credit Cards’

• Click on ‘Track application’ and enter the details requested such as Application status, PAN number, etc.

• Click on ‘Submit’ and the credit card status will be displayed on the screen

You can also contact ICICI’s customer care service to find out your credit card application status offline.

How to Check SBI Bank Credit Card Application Status Online

Here are the steps to follow to check the status of SBI Bank credit card application status online -

• Visit the ‘Track Your Credit Card Application Page’ on the SBI website

• Provide your application/reference number 

• Click on ‘Track’

• Your application status will be displayed on the screen

You can also find out the status offline by visiting the branch or contacting the customer care service.

How to Check Kotak Mahindra Bank Credit Card Application Status Online

Follow these easy steps to check your credit card application status -

• Visit the ‘Track Your Application’ page on the Kotak Mahindra Bank website page

• In the ‘Select a product’ option, choose ‘Credit Card’

• You will then get an option to ‘Choose an identifier’. Either select ‘Application Form Number’, ‘Form Number’, ‘Mobile Number and DOB’

• Provide the relevant information

• Click on ‘Submit’ and your application status will be displayed on screen

Alternatively, you can also visit the nearest Kotak Mahindra branch or call the customer care service number directly.

Finding out your credit card application status is incredibly easy thanks to digital banking. No longer will you have to physically visit the branch of a bank to find this out. 

All you need to do is visit the website of the credit card provider, provide your application reference number, and voila! You’ll be able to find out your credit card application status easily.