Once you have applied for a credit card, you can check the status of the credit card until it reaches you. You can do this by visiting the bank's or credit card issuer's website.
The online process for checking your credit card application status is quite simple. Some banks also offer the option to check the status offline by using a dedicated customer care number, SMS, or visiting a branch.
Whether you want to check your credit card status online or offline, tracking your application’s progress ensures you stay informed.
Once you have applied for a credit card from a bank, 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.
There are two ways you can 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, this article will give you generalized steps to track your credit card application status online and offline.
Here are the steps to 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.
Most banks provide customers with 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.
With the Moneyview app, you can find and apply for the credit card that suits you best. All you need to do is log in, go to credit cards, and enter your details (PAN, employer details, income), and you will get a list of credit cards that you are eligible for.
You can compare the fees, interest rates, rewards, and perks before you apply for the credit card you like. Once you apply for a credit card through Moneyview, you can check the application status by following these steps:
Step 1: Open the Moneyview app
Step 2: Go to the “Credit Card” section
Step 3: At the top of the screen, you will find all your applications
Step 4: Click on the application for which you want to check the status
The app will show you the application status.
Most banks provide a credit card application tracker service on their websites. Below you can find the links to these trackers:
|
Banks |
Credit Card Application Status Tracker Link |
Customer Care Number |
|---|---|---|
|
HDFC Bank |
18001600 / 18002600 |
|
|
ICICI Bank |
1800 26 70731 |
|
|
State Bank of India (SBI) |
1800 26 70731 |
|
|
Kotak Mahindra Bank |
1860 266 2666 |
|
|
Axis Bank |
1800 209 5577 / 1800 103 5577 |
|
|
Punjab National Bank |
1800 180 2345 |
|
|
Bank of Baroda |
1800 2090 / 1800 1210 |
|
|
Indian Overseas Bank |
- |
1800 890 4445 / 1800 425 4445 |
|
IndusInd Bank |
- |
1860 267 7777 |
|
Union Bank of India |
- |
1800 22 22 44 / 1800 208 2244 |
If you are unable to check your credit card status online, you can try calling the customer care portal, using the SMS banking service, or visiting a branch.
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 your credit card status for yourself.
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.
You can always visit your bank’s branch or the 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.
When checking your credit card application status, you need to keep this 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.
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 for 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.
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.
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.
If you have applied for an IndusInd Bank credit card, you can check the application status by calling customer service at 1860 267 7777.
The customer service representative will ask you for details such as your name, account number, and application ID.
Once the representative verifies your identity, they will give you the application’s status.
When you apply for an RBL credit card, you will receive an email that will contain a 17-digit application reference number. Note this number.
Go to RBL Bank’s Credit Card Application Status Tracking webpage.
Enter the 17-digit application reference number and your phone number.
You will receive an OTP on your phone number. Enter the OTP when prompted.
Your application status will be shown to you.
Once you apply for a Standard Chartered Bank credit card, you will receive an email. The email will contain your application reference number.
Find the customer service number from the Personal Banking Helpline Numbers page.
Call the number and connect with a customer service representative.
Once you connect to a representative, you can provide them your application reference number to get the status of your application.
Once you apply for an HSBC credit card, you will receive timely notifications on the status of your application via SMS.
Alternatively, you can contact the bank on their toll-free number 1800 267 3456 / 1800 121 2208 to know your credit card application status.
Call the toll-free number 1800 267 3456 / 1800 121 2208.
Connect to a representative.
Provide the details asked by the representative, and you will receive the status of your application.
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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.
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.
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.
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Now that you know how to check your credit card application status, let’s look at all the possible results and what they mean.
Credit card applications go through various stages before the card reaches you. These are the results you see when you check a credit card application status:
|
Credit Card Application Status |
Meaning |
|---|---|
|
In Process |
Your card application has not been processed yet. The issuer is checking your documents and details. |
|
Dispatched |
Your application has been processed and approved. It has been sent via post and will reach you within 3-4 working days. |
|
On-Hold |
Your application is on hold for some reason. This is usually because the provided documents are not enough, or the bank has not been able to fetch your credit history. |
|
Disapproved |
Your application has been declined. This could be because of ineligibility, errors in the documentation, or poor credit history. |
|
No Records Found |
This might be because you have entered the wrong mobile number, reference number, or PAN details. You can try reloading the page and entering the details again. |
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Knowing the status of your credit card application can help you plan for the future. Thankfully, the process of knowing your credit card application status does not have to involve going to the bank.
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.
Follow the steps below to 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
Here is how you can check 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 then ‘Enter Application ID’
After providing your application ID, enter your mobile number
Your credit card status will be displayed on the screen
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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