The percentage of online fraud has increased considerably; hence, people have begun to fear the entire approach of online functioning. This behaviour is similar to online credit card apply in banks. Users are more comfortable opting for the offline procedure. Though we understand the concern, we do not advise you not to use the advantages of online processes.
Listed below is the guide to safely apply for a credit card online. If the steps are carefully followed, then the chances of fraud are reduced considerably. Read along to learn more.
What Are The Steps To Apply For The Credit Card Online
Honestly, it is much easier to opt for the online application process. You only visit the site and access the application form from anywhere globally. Moreover, you can browse the different options and look for a suitable product. Let us now look at how to apply for credit card online.
● Choose The Appropriate Credit Card
This is the primary step. Usually, reputed banks like IDFC FIRST Bank offer an array of cards to suit the various requirements of the different generations. Hence, first, browse through all the available options and check the card’s features. Moreover, check the cards’ benefits, like lounge access, rewards points, etc., to choose the best card for you. These cards normally provide luxurious benefits like shopping, spa visits, etc. Choose the card according to your needs.
● Check The Eligibility Criteria
The second step to apply credit card online is to ensure that you are fulfilling the necessary criteria like
- You must be an adult to apply for the card. The age limit may vary from 18-21 with different banks.
- You are a national residence
- You have a monthly income of more than 3 lakhs
- You have a credit score above 750
- You have a stable job and an income.
These conditions can differ with banks and the kind of credit card you apply for. If you want further help, you are always welcome to contact the bank.
● Submit The Application
Complete the form once you have selected the card and checked the application requirements. Upload all the necessary documents and proofs as requested and apply. This online process can be conducted through the bank website and the app.
How To Activate The Card
Once your credit card apply is successful and you have received your product, the next thing to do is activate the card for use. Set up your card in three steps: create an online account, activate the credit card, and set up the pin.
● Setting Up The Online Account
Register with the bank app or website and verify your details. An OTP will be sent to validate the details and, thus, create the online account.
● Activating The Credit Card
There are multiple options for activating the card. These methods differ from the banks. You can do it from the app or website or by sending an SMS from the registered number. The most common way to activate a card is by using an ATM.
● Setting The Pin
You must set a four-digit PIN to enable your card for all offline transactions. The banks can send a PIN, which you can change later on, or you might have to generate a PIN through an ATM or SMS.
Final Thoughts
The online application might seem uncertain and dangerous, but following these steps will simplify the process considerably. If you have any questions, you can contact customer care to resolve your issues.
