Typically, the activation procedure differs from one bank to another. Some banks require credit cardholders to activate their cards by entering into their net banking system and activating the cards. It is easy to apply for credit card but there is no standard method for activating a credit card. Other banks need cardholders to visit an ATM and swipe the card in order for it to be activated. You could now quickly activate your credit card using a variety of online and offline ways.

Online credit card activation

You must first generate your pin before you may activate your credit card online. To log into your account, enter your customer ID and password. Select the credit card PIN creation option from the credit cards tab. After entering the PIN, a secure code is delivered to your registered cellphone number and email address. You may activate your card online after receiving the pin by clicking the activate button or swiping it at an ATM. It enables when you to use the ATM pin to authenticate the card.

Credit card activation via SMS

A few banks also enable customers to activate their credit cards by sending an SMS to the bank’s customer care department. However, not all banks offer this service. Please double-check the protocol for your bank before sending the SMS. Some banks demand customers to send a pre-programmed message to a certain number.


Most institutions provide credit cards that may be activated offline. This is a very straightforward procedure in which you go to the nearest ATM of the bank that issued the credit card. To safeguard the credit card’s security and verify that the PIN is correct, the ATM will request information such as the borrower’s account number, cellphone number, and date of birth. Your registered cellphone number receives a one-time password. In the machine, enter the OTP. After the validation procedure is complete, you will be prompted to select a PIN. Once logged in, you can reset/change your PIN to something easier for you to remember.

The activation procedure for a few well-known credit cards

Most banks have their own activation method. Here is a list of credit activation procedures for various well-known banks:

SBI credit cards:

The bank provides numerous options for activating your credit card. You may access your account via sbicard.com/email or by entering your user id and password. Select the card number from the drop-down menu after clicking on the ‘Requests’ button. Select the activate button. Your card will be instantaneously active.

 ICICI Bank:

Within a week of mailing the credit card to your address, the bank sends your credit card PIN to your postal address. You can alter the default PIN by logging into the website using net banking. Select the credit cards option from the My Accounts area, and then establish a credit card PIN. You may also log in using the ICICI bank mobile app. Then, in the ‘Smart keys and Services’ section, choose card services. You may also generate a credit card PIN here. You may also go to an ICICI ATM near you, swipe the card, and activate it with the default PIN.

HDFC Bank:

HDFC Bank also delivers the credit card and the predefined PIN to the customer’s postal address separately. Only at an HDFC ATM can the card be activated. Before going to the ATM, call customer care and request to send OTP  your cellphone number. You may select ‘generate a new PIN using OTP’. After inputting the OTP, you can create a PIN that is handy for you. You may also access your account using net banking. Under the credit cards menu, choose the Credit Card ATM pin option. By selecting the PIN option, you will generate a new PIN through the mail. You can validate the card at an ATM.

To ensure the card’s security, new credit cards are usually in a “deactivate” condition. To activate a card, you must first enter the card’s PIN. The PIN is either mailed to your registered address or emailed to you within seven days of receiving your card. You may also be prompt to create a PIN using net banking or mobile banking. To understand how to activate a credit card, carefully read the instructions that came with it. The procedure varies depending on the bank. For further information, go to your bank’s website or call customer service.