Getting hold of a new debit/credit card makes one think that it can be used immediately. However, a new debit/credit card does not work without getting activated. It is very essential that one understands how to activate a new card so that you are not put in any kind of embarrassing situation.
How to activate my new debit/credit card?
A debit/credit card can be activated either online or offline via an ATM. These two activation procedures are to be undertaken within a certain time limit or else the PIN provided by the bank becomes invalid. Once your debit/credit card PIN number becomes invalid, then the card can only be activated through phone banking or by visiting your bank branch personally.
To avoid all these unnecessary hassles, it is better to get your debit/credit card activated, immediately on the receipt of the card.
Procedure To Activate New Card for Online Transactions
Your new debit/credit card welcome kit from the bank comes with a debit/credit card, which is followed by an ATM pin given in a sealed envelope.
Generate new ATM Pin for Debit/Credit Card via ATM
- Go to the ATM of your respective bank
- Enter your Debit/Credit Card inside the ATM slot
- Enter the ATM pin provided in the welcome kit
- Change ATM PIN prompt appears
- Change your ATM PIN
Generate new ATM Pin for Debit/Credit Card Online
- Visit the official website of your bank
- Select the ‘First-time user register now’ option
- ClickDebit/ Credit Card from the Account Information drop-down menu option
- Validate your card by using the OTP sent on your registered mobile number
- Choose User ID
- Choose IPIN for logging into the bank’s online or Mobile App
- Select ATM PIN (APIN) which you can use for swiping transactions
Once IPIN and APIN have been created successfully, with the same credentials you can log in to your account and activate your debit/credit card.
Debit/Credit Card Activation via Internet Banking
- Go to the official net banking site of your bank
- Log in with your User ID and IPIN
- Select the ‘Card Activation’ option
- Enter your card number and expiry date of your new card, and your date of birth.
- Select ‘Submit’
- In the next screen enter your ATM PIN and select ‘Submit’
- Authenticate with the OTP received on your registered mobile number.
- Click ‘Continue’
Your card has been activated and is ready to be used.
Debit/Credit Card Activation via Mobile Application
- Install the Mobile App and click on the ‘Register or Activate a card’ option
- Select ‘Debit/Credit Card’ from the drop-down menu
- Either take a picture of your card where the card number is printed or enter the card information manually.
- Select ‘Next’ and validate your identity by entering OTP sent on your registered mobile number or through the registered email
- Create your User ID and Password
- Select ‘Next’, where you will have to enter security questions
- Your card has been activated and ready to be used
Debit/Credit Card Activation by contacting Customer Care
- Call the bank’s customer care from your registered mobile number
- Authenticate your details and follow as instructed
- Generate new ATM PIN
Conclusion
You can get your new debit/credit card activated by following any of the modes mentioned above.
FAQs
1. What documents are required for identity verification when a new debit/credit is delivered to an individual?
Any of the below documents is a good proof of identity when getting a new credit/debit card delivered
- Driving License
- PAN (Permanent Account Number) Card
- Passport
- Aadhaar Card
2. What is the process to activate the add-on debit/credit cards?
To activate an add-on debit or credit card, the same procedure as mentioned above has to be followed.
3. What are the various types of PINs?
There are three types of Personal Identification Numbers (PINs) namely
- APIN - ATM Personal Identification Number which is required ATMs, POS or for specific online transactions
- IPIN - Internet Personal Identification Number, to login into the Bank’s online/mobile banking portal
- TPIN - Telephone Personal Identification Number for carrying on transactions using 24 Hour Phone Banking Service
4. What happens if you do not activate your Debit/Credit card?
If you do not activate your debit/credit card within the specified time period, then the PIN provided by your bank gets invalid and you cannot make any further transactions on the card.
5. How can I get a new PIN from the bank?
If you have not activated your new debit/credit card within the time limit provided by your card provider, then your PIN provided gets invalid. To get a new PIN you will have to call the customer care of the bank or visit your bank branch personally to get your new PIN. Then, you will have to follow any of the procedures mentioned above for card activation.
FAQs
You need to login to the respective bank's internet banking portal. Once you log in, go to the section marked as 'Debit Card'. There will be instructions on how to generate an ATM PIN for your Debit Card. Generate an ATM PIN by following those instructions and your Debit Card will be activated online.
How to activate debit card for online transaction? ›
You need to login to the respective bank's internet banking portal. Once you log in, go to the section marked as 'Debit Card'. There will be instructions on how to generate an ATM PIN for your Debit Card. Generate an ATM PIN by following those instructions and your Debit Card will be activated online.
How do I activate my credit card for an online transaction? ›
Log in to your internet banking account using your credentials. Locate the credit card options within your internet banking account. Find the activation feature specifically. Provide your credit card information, including the card number, expiration date, and CVV code as per the requirement of the issuer.
How do I activate my new credit card online? ›
There will typically be an activation URL or QR code on your new card or with the paperwork that came with your new card in the mail. Visit the website and enter the necessary information to activate your card. Keep in mind that you might have to create an online account with the issuer if you don't have one already.
How do I make my credit card eligible for online transactions? ›
Log in to Internet Banking > Click on 'Cards & Loans' > Click on 'Credit Card' > Click on 'Manage your card' > Select Credit Card Number > Under 'Manage Credit Card Usage' click on 'Edit' > Enable International/Online/Tap & Pay transactions> Enter the OTP sent to the registered mobile number to complete the process.
Why won t my debit card work for online purchases? ›
The most common reasons for your payment to fail are either filters your bank applies to certain transactions made online, or amount limitations applied to your card. If your payment is being rejected, please reach out to your bank to get additional information.
Why can't I use my debit card for online transaction? ›
Why was my card declined for an online purchase? The most likely reason for a debit card decline is inaccuracies in your transaction information. Re-entering the card number will often solve the problem.
Do I need to activate my card before using it online? ›
Yes, for security purposes you need to activate your credit card before you can use it.
Why my card is not active? ›
Some possible causes include entering incorrect information, insufficient funds in the account, multiple incorrect PIN entries, an expired card, or reaching the daily withdrawal limit. If you are facing issues, it is recommended to contact your bank for further assistance.
What happens if I don't activate my debit card? ›
Then, you need to activate your card within a specified period. Otherwise, the PIN becomes invalid, and you cannot make any transactions on the card until you generate a new PIN by visiting the Online SBI portal, ATM or bank branch.
It's usually easy to activate a credit card without calling. Most banks offer a simple option to activate your card through their website, app or both. Some require you to be logged into your online banking account while others offer a secure online form.
How do I activate my credit card step by step? ›
To activate your new credit card you'll need the credit card number and your date of birth. You can either activate your card via online banking, mobile banking, phoning the card provider directly or in person at the nearest branch of your bank.
What information is needed to activate a credit card? ›
Enter the information on the bank or credit company's website to activate your card. You'll need information such as your credit card number, your name, and the security code, which you can find on the back of the card. You also may need your Social Security number and your date of birth.
How do I unblock my credit card for online purchases? ›
To unblock your credit card, you will have to contact your bank by following various online and offline methods. To unblock your credit card online, you can visit your bank's mobile application or official website and apply for 'reissue' or 'reactivation' of your credit card.
Why is my credit card being declined for online purchase? ›
If the balance on your bank account is too low, or you get close to or go over your credit card's credit limit, your card may be declined. If your bank or credit union offers alerts to flag fraud on your account, sign up. These alerts can let you know about some possible problems before your card is declined.
Can I use my debit card for online purchases? ›
Your debit card will work online. But debit cards are not a good way to pay when you shop online. Credit cards are safer to use when you buy things online: You might have a problem with something you buy online.
Does my debit card have to be activated? ›
Yes, activating your debit card as soon as you receive it in the mail is a necessary step for you to use your card, and an important step to help protect yourself from fraud.
