How to Check Credit Card Application Status

If you've applied for a credit card and are waiting for a response, you can track the progress of your application to see where it stands. Many banks offer the option to check your credit card application status through their website. Additionally, you can use offline methods such as contacting customer service or visiting a branch. Continue reading to learn how to check the credit card application status with various banks.

Check Credit Card Application Status of Top Providers

How to Check Credit Card Application Status

While the specific process to check the application status may differ from one bank to another, there is a general procedure that most banks follow. Below are the details:

Steps to Check Credit Card Application Status Online

Credit card issuers provide the convenience of checking your credit card application status online. You can easily track your credit card status by following the general steps outlined below. It's important to note that while these steps will work for most providers in India, some may have different procedures.

  • Visit the official website of the bank or NBFC.
  • Navigate to the "Credit Card" section.
  • Look for options like "Track Application Status" or "Check Application Status."
  • Enter the required details as prompted on the track application status page.
  • Submit the information.
  • The website will then display the current status of your credit card application.

Steps to Check Credit Card Application Status Offline

Through Customer Care

  • You can contact the issuing bank's/NBFC's customer care number to inquire about the application status.
  • The customer support executive will request the application/reference number from you and then provide the status update.
  • Certain banks/NBFCs may offer a dedicated customer care number specifically for credit card inquiries.

Through SMS

  • Some banks also provide the option to check the status through SMS.
  • You simply need to send the SMS in the correct format to the designated number.
  • The status update will be sent to you via SMS.
  • It's essential to send the message from the mobile number registered with the bank.

By Visiting the Branch

  • You can visit the nearest branch of the bank/NBFC to inquire about the status of your credit card application.
  • The helpdesk executive will request the application number and the registered mobile number from you.

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Details Required To Check Credit Card Application Status – You can check your application status online, and to avail of this service, card issuers require you to have one or more of the following information:

  • PAN
  • Date of Birth
  • Reference Number/Application Number (Received after applying)
  • Registered mobile number (The number you provided in the credit card application)

Track Credit Card Status of Top Banks in India

SBI Credit Card Application Status

  • Go to the SBI credit card application status page.
  • Under "Track your application," select 'Check the status of your application.'
  • Enter your Application/Reference Number.
  • Click on 'Track'.

HDFC Credit Card Application Status

  • Go to the HDFC credit card application status page.
  • Enter your Application Reference Number, Application Form Number, or Date of Birth.
  • Input the Mobile Number you provided during the application process.
  • Fill in the Captcha.
  • Click on the "Submit" button.

Axis Credit Card Application Status

  • Go to the Axis Bank credit card application status page.
  • Select how you want to proceed by choosing from either App ID or PAN / Mobile Number.
  • Enter the details based on the choice you made.
  • Submit the online form.

ICICI Credit Card Application Status

  • Visit the ICICI credit card application status page.
  • You can view your credit card status through either of two ways:
    • Enter the application number and mobile number.
    • If you don't have the application number, additional authentication is required. Enter your mobile number, date of birth, and OTP.
  • After entering the required details, click on 'Continue' to see the status.

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Kotak Credit Card Application Status

  • Visit Kotak’s check credit card application status page.
  • Select "Credit Card" from the products list.
  • Enter your Application Number OR Form Number.
  • Submit the online form.
  • You can now view your Kotak credit card application status.

RBL Bank Credit Card Application Status

  • Visit the RBL Bank credit card application status page.
  • Enter your Reference Number, ensuring to include the # symbol when entering the number.
  • Enter your mobile number, the one provided during the application for RBL Bank credit card.
  • Submit the form.

Standard Chartered Credit Card Application Status

  • Visit Standard Chartered Bank’s website to track credit card application status.
  • Enter your Application Reference Number, including the # symbol.
  • Submit the form.

YES Bank Credit Card Application Status

  • Visit Yes Bank’s credit card application status page.
  • Enter your Mobile number, the one provided during the credit card application.
  • Enter your Application Form Number OR Application Reference Number.
  • Enter the captcha.
  • Submit the online form.

Citibank Credit Card Application Status

  • Visit the Citibank credit card application status page.
  • Share your 11-digit Application Number that you received through SMS.
  • Enter your Mobile Number, the one you provided during the application process.

Frequently Asked Questions (FAQs)

1. If my application is rejected, can I apply again for another card from the same bank?

Yes, you can apply for a credit card from the same bank even after a previous application was rejected. However, many card issuers prefer that you wait for at least 6 months before reapplying. This waiting period allows time for your credit score to potentially improve after the initial rejection.

2. What should I do before the credit card application so that it does not get rejected?

Firstly, make sure to apply for a credit card that matches your financial situation. If you have an average income, it's not practical to apply for a premium credit card with high annual fees. If you do, the bank might reject your application when they review your profile for that particular card. So, check if you're eligible for a card before applying. Additionally, focus on improving your credit score by paying your bills on time.

3. How long does it take for a bank to process my credit card application?

Normally, it takes around 7-10 business days for your application to be processed. However, if your documents are not ready or if the bank has to address some internal issues, it might take longer.

4. My application status says “No Records Found”. What does this mean?

If you enter the wrong application/reference ID or a different mobile number than the one provided during the application, you may encounter difficulties in checking your status. Additionally, it's advisable to wait at least 24 hours before checking the status, as the bank needs time to update your new application in their system.

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