Credit Cards have fast become one of the most popular modes of making payments. You can use them to make payments at a variety of places. Local general stores, malls, superstores, restaurants and all other places that keep a POS machine accept Credit Card payments. Credit Card companies are giving lots of benefits, cashback and reward points to people to motivate and encourage them towards using the card more and more.
Applying for and getting Credit Cards issued has never been easier. With the Government too pushing for a cashless economy and a digital India, getting Credit Card services has never been easier. There was a time when after finally getting the card; activation of the card was a very complex procedure in itself, not anymore though. New Credit Cards have become a lot easier to not only apply for and get issued but also, for getting them activated. Banks provide many different types of Credit Card. State Bank of India, India’s largest public sector bank itself, issues many different types of cards. All these have different benefits and usage that suit different kinds of users.
What are the various types of SBI Credit Cards available?
The State Bank of India issues a total of 40 different Credit Cards. Some of these are different variants of each other, and yet, all of them their different characteristics, eligibility, advantages and benefits. Out of all these cards, a Credit Card applicant is bound to find an SBI Credit Card that suits their need. Types of SBI Credit Cards have been divided into five basic categories, each containing different cards with their unique advantages, charges, eligibility requirements, and capabilities. Here is a general overview to provide you with information about the basic SBI Credit Cards categories:
- Lifestyle Cards: These cards are designed for those of you who are looking to enjoy life with luxury and availing premium benefits. The cards under this category include-
- SBI Card Elite
- Doctor’s SBI Card(in association with IMA)
- SBI Card Elite Advantage
- Reward Cards: These cards give you better redeemable Reward Points every time you make a purchase. This category includes-
- SBI Card Prime
- Apollo SBI Card
- Tata Titanium Card
- Shopping Cards: These cards are for those of you who spend a lot on shopping. Get great discounts and benefits when you shop using this. This category includes-
- SimplyCLICK SBI Card
- SimplySAVE SBI Card
- SBI Card Unnati
- Central SBI Select Card
- Travel and Fuel Cards: For those of you who have to travel a lot and spend a lot on fuel, SBI provides the Travel and Fuel Cards. The cards which provide benefits on travelling and fuel include:
- BPCL SBI Card
- Yatra SBI Card
- Air India SBI Platinum Card
- IRCTC SBI Platinum Card
- Banking Partnership Cards: These cards are for SBI’s partner banks. They get special benefits and SBI Reward Points. These include:
- Karnataka Bank SBI Platinum Credit Card
- South Indian Bank SBI Credit Card
- Federal Bank SBI Platinum Credit Card
Apart from these, there are other cards too. All these cards can be researched on SBI’s website.
Does a Credit Card require activation?
Yes, new Credit Cards require a one-time activation process to start working. Some Credit Cards do not have an activation process. Instead, they send the card via mail or by personal delivery,and the card PIN is sent at a different date. However, many Credit Cards require a process to start making online payments. This process is usually a security checkpoint to make sure the Credit Card has not been issued to or being used by, a person other than the cardholder.
How to activate your Credit Card through Net Banking, SMS or Toll-Free Number?
There are many ways to activate your Credit Card. These processes are generally different for each bank, but the basic process remains the same. The most popular and easy ways to get your New Credit Cards activated are through Net Banking, SMS and or the Toll-Free Number. Let us look at what the process is:
- Through Net Banking: You can activate your Credit Card from the net banking website of the card issuer. All you have to do is the following:
- Visit the net banking website of the bank or non-banking financial company (NBFC) whose Credit Card is to be activated.
- Go to the Credit Cards section and choose the “Change Pin” option.
- Complete the security check procedure the website will use to confirm your identity.
- Enter the 4 or 6 digit PIN, depending on the requirements of the card issuer; you want the card to have.
- Upon successful changing of PIN, the issuer will send you a confirmation SMS, and your Credit Card will be activated.
- Through SMS: This method is probably the simplest. All the cardholder has to do is send an SMS with a required message with your registered mobile number. For instance, Vijaya Bank asks you to send the following message- “CCA XXXXXX” to 9223366575. Here, the XXXXXX is the last 6 digits of the card. Once the SMS has been sent, you will get a confirmation SMS that your card has been activated. If the process fails, you can try again a little while later, or, you can choose to approach a bank branch.
- Through Toll Free Number: All banking and non-banking financial corporations that issue Credit Cards have a Toll Free helpline. This toll-free number typically uses an Interactive Voice Response (IVR). You can activate your card by calling this number and following the IVR’s instruction. Follow the procedure to get your card activated:
- Contact the card issuer’s toll-free number or IVR number.
- When asked, enter all the required details like Credit Card details and other required details, if any.
- The IVR will then ask for either a PIN provided with the card or your date of birth as an added security question
- Once the details you input have been verified successfully, your registered number will receive an OTP.
- Input OTP in the IVR within the session
- You will be asked to input a PIN of your choice, proceed to do so.
- Once done, your card will be activated,and you shall receive a confirmation SMS.