How to Check Credit Card Application Status

To help you track credit card status, we have

HDFC Credit Card Application Status

• Visit the HDFC credit card application status page
• Enter Application Reference Number or Application Form Number or Date of Birth
• Enter Mobile Number (Number you gave in the application status)
• Enter the Captcha
• Submit the form

SBI Credit Card Application Status

• Visit the SBI credit card application status page
• Under Track your application select ‘Check the status of your application’
• Enter Application/Reference Number
• Click on ‘Track’

ICICI Credit Card Application Status

• Visit the ICICI credit card application status page
• You can view your credit card status through any of the two ways by entering the application number and mobile number
• If you do not have application number, it needs further authentication in the form of mobile number, date of birth and OTP
• After entering the details, click on ‘Continue’ to see the status

Axis Credit Card Application Status

• Visit the Axis Bank credit card application status page
• Select how you want to proceed. Choose from App ID OR PAN / Mobile Number
• Enter the details depending on the choice you made
• 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 gave in the application status

RBL Bank Credit Card Application Status

• Visit the RBL Bank credit card application status page
• Enter your Reference Number, include the # when entering the number
• Enter your mobile number, the one you gave in the application for RBL Bank credit card
• Submit the form

Standard Chartered Credit Card Application Status

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

Kotak Credit Card Application Status

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

YES Bank Credit Card Application Status

• Go to Yes Bank’s credit card application status page
• Enter your Mobile number, the one that you gave in credit card application
• Enter your Application Form Number OR Application Reference Number
• Enter the captcha
• Submit the online form

After you have applied for a credit card through Paisabazaar.com, you can check the status of your credit card application by following the steps given below.

• Sign in to Paisabazaar using your Mobile Number and OTP
• Scroll down to the bottom of the page where you can see ‘My Applications’
• Click on ‘Track credit card application status’

If you are using Paisabazaar’s app, you can go to the ‘My Account’ section where you can find all the details related to your credit score and can also track credit card application status.

To check the credit card application status on Paisabazaar.com, you do not need to enter any reference number of application IDs. Your credit card application will be mapped to the tracking page automatically.

Now that you can view the application status of your credit card, you would want to understand what the different stages stand for. The various stages that your credit card can be on are shared below:

In Process: You will see this when the bank still has not processed your application or are under the process of doing so. In this stage, the bank will check your documents, and make a hard inquiry into your credit score. After reviewing the application they will decide whether to reject or approve your application.

Dispatched: When you see Dispatched as your credit card application status, you can be sure that the application has been approved and that they are sending the credit card to you by post. You will get the credit card within 3-4 business days.

On-Hold: The bank may put your credit card application on hold when the documents that are required to process the request are missing, it could also be that the bank has not received your credit score details from the credit information company, CIBIL or otherwise. You can call the bank or write an email to get further information

Disapproved: You will only see this as your status when the bank has declined to give you a credit card. This could be that your credit score was not what they required or you do not meet the eligibility. You can call up the bank to ask them why they declined your credit card application.

No Records Found: This occurs when you have entered the wrong details, perhaps you have entered your mobile number different from the one that you listed in the credit card application, or you have failed to include the special character in Reference Number. You can reload the page and re-enter your details and click on submit.

How long does it take for a bank to process my credit card application?
It usually takes 7-10 business days to process an application. However, it may take longer if your documents are not ready or if the bank needs to put your application on hold for some internal reasons.

My application status says “No Records Found”. What does this mean?
This happens when you enter the wrong application/reference ID or a different mobile number than what you had given at the time of application. Also, you should wait for at least 24 hours before you check the status as the bank would take some time to update your new application in their system.

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. However, most card issuers would want you to wait for at least 6 months before applying again. This will also help your credit score to improve again after the rejected application.

What should I do before the credit card application so that it does not get rejected?
Firstly, you should apply for the right credit card. There is no point in applying for a premium credit card if you have an average income and would not be able to bear the annual maintenance cost of the card. When the bank will look at your profile for the given card, the application will likely be rejected. So, check eligibility for a card before applying. Also, make sure that you work towards improving your credit score by paying your bills regularly.

I don’t have the application reference number. What should I do?
Most of the card issuers would want you to have the application reference number for checking the status. But if you don’t have it, some banks give you the option of recovering the same using your registered mobile number and OTP.