The credit card application is created to enable customers to apply for a credit card by providing basic personal and financial details. The applicant can also define preferences such as whether add-on card holders are to be added to the card and if balance transfers are to be defined.
The application tracker is built to enable tracking of the application once it is submitted. The application tracker also enables the applicant to retrieve and complete an application that is saved. Additionally, the applicant can perform certain tasks from the application tracker such as uploading documents required by the bank, specifying additional card preferences such as delivery preferences and card customizations including defining card background and name to be printed on the card.
Credit Card Workflow
The credit card origination process consists of the following steps:
How to reach here:
Dashboard > Credit Card
To apply for credit card
Once you select a suitable credit card product, all the offers available under that product are displayed on the Credit Card Offers page. You can view additional information about an offer by selecting the link available against the offer.
The orientation page contains details about the steps involved in the application, details required for the application as well as eligibility criteria to be met in order to apply for the specific offer. This page also provides existing customers with the option to specify login credentials in order to have the application form pre-populated with the applicant’s personal information.
In the primary Information screen enter personal information such as salutation, first name, last name, date of birth, citizenship, etc.
Field Description
|
Field Name |
Description |
|---|---|
|
Salutation |
Select your salutation. Examples of salutation are Mr., Mrs., Dr., Miss, Ms. |
|
First Name |
Enter your first name. |
|
Middle Name |
Enter your middle name here. This field is optional. |
|
Last Name |
Enter your last name. |
|
Date of Birth |
Specify your date of birth. The system validates your date of birth so as to identify whether you have attained age of majority. |
|
Gender |
Specify your gender. |
|
Marital Status |
Specify your marital status. The options are:
|
|
Number of Dependents |
Specify the number of dependents you have. |
|
Country of Citizenship |
The country of which you are a citizenship. |
|
Permanent Resident |
You are required to identify whether you are a permanent resident of the country or not. |
|
Country of Residence |
The country in which you reside. This field is displayed if you select No in the Permanent Resident field. |
In the proof of identity section enter the identity details such as, identity type, ID number, and expiry date.
Field Description
|
Field Name |
Description |
|---|---|
|
Identity |
|
|
Type of Identification |
Select the identification that you want to provide as proof of identity. The identification type could be.
|
|
ID Number |
Enter your Identification number corresponding to the identification type. |
|
Expiration Date |
Enter the date on which your identification document will expire. |
In the contact information section enter contact details including your email address, phone numbers, and current residential address. You will be required to enter details of your previous residence if you have stayed at your current residence for less than the amount of time required.
Field Description
|
Field Name |
Description |
|---|---|
|
Residential Address |
|
|
Country |
Select the country in which you reside. |
|
Address 1-2 |
Enter your address details. |
|
City |
Enter the name of the city in which you reside. |
|
State |
Enter to state in which you reside. |
|
Zip Code |
The zip code of your residence. |
|
Staying Since |
Date since which you have been residing at the current address. If you identify a date that is less than the minimum amount of time required for you to have resided in the current residence, the system will display fields in which you can specify you previous residence address. |
|
Accommodation Type |
The type of accommodation in which you reside. The accommodation types are:
|
|
Previous Residential Address |
|
|
Country |
Specify the country in which you resided previously. |
|
Address Line 1-2 |
Enter address details of your previous residence. |
|
City |
Enter the name of the city in which you resided previously. |
|
State |
The state in which you resided previously. |
|
Zip Code |
The zip code of your previous residence. |
|
Accommodation Type |
The type of accommodation in which you resided previously. The accommodation types are:
|
|
|
|
|
|
Enter your email address. |
|
Please confirm your email ID |
Re-enter your email address in order to confirm the same. |
|
Phone Number |
|
|
Phone Type |
Select the phone number type that you want to define as primary contact number. The options are:
|
|
Primary Phone Number |
Enter your phone number corresponding to the selected phone type. |
|
Add an alternate phone number |
You can select Yes if you want to add an alternate phone number. It is not mandatory to add an alternate phone number. |
|
Phone Type |
Type of phone number that is being added as an alternate number. The options are the same as those available for the phone type of primary phone number. The type selected as primary phone type will not be part of the list. Hence you cannot enter two phone numbers of the same type. This field is displayed if you select Yes in the Add an alternate phone number field. |
|
Alternate Phone Number |
Phone number corresponding to the selected alternate phone type. This field is displayed if you select Yes in the Add an alternate phone number field. |
In this section enter details of your employment starting with your current primary employment. You can add multiple current employment records as well as previous employment records. The details required for each employment record are type of employment, subsequent status, date on which specific employment was started and if you are salaried or self employed, the company or employer name as well as your designation, gross annual salary and employment address. If the amount of time at which you have been employed in your current employment is less than the required amount, the system will display fields in which you can enter details of previous employment, in which case you will be required to enter details of your previous employment as well as the date on which your employment ended.
Field Description
|
Field Name |
Description |
|---|---|
|
Employment Type |
The type of your current primary employment. The types are:
If employment type selected is Others, then there will be a set of options listed for selection like Home duties, Student, Unemployed etc. |
|
Employment Status |
The status of your employment. The options in this field will depend on your selection as employment type. If you have selected the option Salaried or Self Employed the options will be:
If you have selected the option Others, the options will be:
|
|
Employer Name |
The name of the company or firm at which you are employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Designation |
Your designation at your current employment. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Start Date |
The date on which you started current employment. |
|
Gross Annual Salary |
The gross annual salary you earn at your current employment. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Country |
The country in which you are employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Address Line 1-2 |
Address details of your employment. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
City |
The name of the city in which your work place is situated. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
State |
The name of the state in which your work place is situated. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Additional Employment |
|
|
Employment Type |
The type of employment. The types are:
|
|
Employment Status |
The status of your employment. The options in this field will depend on your selection as employment type. If you have selected the option Salaried or Self Employed the options will be:
If you have selected the option Others, the options will be:
|
|
Employer Name |
Name of the company or firm at which you are/were employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Designation |
Your designation at the specific company or organization. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Start Date |
The date on which you started employment at the specific company or organization. |
|
End Date |
The date on which you employment at the specific company or organization ended. |
|
Gross Annual Salary |
The gross annual salary you earn at the specific employment. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Country |
The country in which you are employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Address Line 1-2 |
Address details of your employment. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
City |
The name of the city in which your work place is situated. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
State |
The name of the state in which your work place is situated. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
|
Zip Code |
The zip code of your workplace. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type. |
to edit the employment information.
to add more than one employment information.This page comprises of multiple sections in which you can enter your financial details in the form of income, expenses, assets, and liabilities.
In this section enter details of all income that you want to be considered to be the basis on which you will make credit card payments.
You can add multiple records of income upto a defined limit. Click the 
icon to add additional income records and the 
icon against a specific record to delete it.
Field Description
|
Field Name |
Description |
|---|---|
|
Primary Income |
|
|
Income Type |
The source of your primary income. Examples of source of income can be rental income, salary, etc. |
|
Gross Income |
Gross amount of income earned. |
|
Net Income |
Net amount of income. |
|
Frequency |
The frequency at which you earn the particular income. Examples of income frequency can be Monthly, Yearly, etc. |
to add another income record.In this section enter details of all expenses you incur on a regular basis. You can add multiple expense records up to a defined limit. Click the 
icon to add additional expense records and the 
icon against a specific record to delete it
Field Description
|
Field Name |
Description |
|---|---|
|
Primary Expense |
|
|
Type of Expense |
The type of expense. Example - household, school fees, etc. |
|
Total Expense Value |
The total value of expenditure against the specific type identified. |
|
Frequency of Expense |
The frequency at which you incur the specific expense. By default the value Monthly will be selected and can be changed. |
to add another asset record.In this section enter details of all assets owned by you. You can add multiple asset records up to a defined limit. Click the icon to add additional asset records and the icon against a specific record to delete it.
Field Description
|
Field Name |
Description |
|---|---|
|
Primary Assets |
|
|
Type of Asset |
Select the type of asset you own. Examples of assets are – Home, Savings account with bank, etc. |
|
Value |
The market value of the asset. |
to add another asset record.In this section enter details of all your liabilities. You can add multiple records up to a defined limit. Click the icon to add additional records and the icon against a specific record to delete it.
Field Description
|
Field Name |
Description |
|---|---|
|
Primary Liability |
|
|
Type of Liability |
Select the type of liability you want to define. Examples can be home loan, personal loan, credit card debt, etc. |
|
Original Value |
Identify the original value of the liability. |
|
Outstanding Value ($) |
Enter the current outstanding value of the liability. |
to add another liability record.Field Description
|
Field Name |
Description |
|---|---|
|
Add an add-on card holder |
You can add an add-on card by selecting Yes. The following fields to capture add-on card holder’s information are displayed if you select option Yes. |
|
Salutation |
Specify the add-on card holder’s salutation. Examples of salutation are Mr., Mrs., Dr. |
|
First Name |
Enter the add-on card holder’s first name. |
|
Middle Name |
Enter the add-on card holder’s middle name. This field is optional. |
|
Last Name |
Enter the add-on card holder’s last name. |
|
Date of Birth |
Specify the add-on card holder’s date of birth. |
|
Country of Citizenship |
Select the add-on card holder’s country of citizenship. |
|
Permanent Resident |
Whether the add-on card holder is a permanent resident of the country or not. |
|
Country of Residence |
This field is enabled only if you have identified that the add-on card holder is not a permanent resident of the country by selecting No in the Permanent Resident field. In this case, the add-on card holder’s country of residence is required to be identified. |
|
Address is same as primary applicant's? |
Select option Yes if your address is the same as that of the primary applicant’s. The system will populate the address you have entered as Residential Address in the Contact Information section in this sub section. |
|
Residential Address |
|
|
Accommodation Type |
The type of accommodation in which the add-on card holder resides. The accommodation types are:
|
|
Country |
Specify the country in which the add-on card holder resides. |
|
Address 1-2 |
Enter the add-on card holder’s address details. |
|
City |
Enter the name of the city in which the add-on card holder resides. |
|
State |
Specify the name of the state in which the add-on card holder resides. |
|
Zip Code |
The zip code of the add-on card holder’s residence. |
|
Staying Since |
Date since which the add-on card holder has been residing at the current address. If you identify a date that is less than the minimum amount of time required for the user to have resided in the current residence, the system will display fields in which you can specify the previous residence address of the add-on card holder. |
|
Previous Residential Address |
|
|
Accommodation Type |
The type of accommodation in which the add-on card holder resides. The accommodation types are:
|
|
Country |
Specify the country in which the add-on card holder resides previously. |
|
Address 1-2 |
Enter address details of the add-on card holder’s previous residence. |
|
City |
Specify the name of the city in which the add-on card holder had resided previously. |
|
State |
Identify the state in which the add-on card holder had resided previously. |
|
Zip Code |
The zip code of the add-on card holder’s previous residence. |
|
Balance Transfer |
|
|
Transfer a balance to my new card |
You can select option Yes to specify balance transfer details. The following fields in which you can enter balance transfer details are displayed if you select Yes. |
|
Card Issuer |
Enter the name of the institution that issued the card from which balance is to be transferred to your new card. |
|
Payee Name |
Enter the name of the holder of the card from which balance is to be transferred. |
|
Card Number |
Enter the number of the credit card from which balance is to be transferred. |
|
Transfer Amount |
Specify the amount to be transferred. The system will validate this amount so as to ensure that it is not higher than the maximum credit limit of your new card. Additionally, if you are adding more than one balance transfer, the system will run a validation to ensure that the total transfer amount is not more than the credit limit of your card. |
to edit the loan requirement details.The confirmation page is displayed once you have submitted your application. This page displays the current status of the application along with details of any further steps that might be required to be taken. The application reference number, by which you can track the status of your application, is also displayed on this page. Additionally, the options to register (if you are a new customer and have not yet registered with the bank) and to track the application are also provided on this page.
To register
Field Description
|
Field Name |
Description |
|---|---|
|
|
Enter the email ID with which you would like to register. |
|
Confirm Email |
To confirm the email ID re-enter the email ID entered in the Email field. |
|
Verify |
Click on this link to verify the email ID entered. A unique security code will be sent to the email address defined and a pop up window will be opened in which you can verify the email ID by entering the security code in the specified field. |
|
Password |
Enter a password to be used for the purpose of registration. You will be required to enter this password when you log-in to the system in the future. |
|
Confirm Password |
To confirm the password re-enter the password entered in the Password field. |
Field Description
|
Field Name |
Description |
|---|---|
|
Verification Code |
Enter the security code sent to the email ID you have defined in the registration screen. |
The option to cancel the application is provided throughout the application and you can opt to cancel the application at any step.
To cancel an application
Field Description
|
Field Name |
Description |
|---|---|
|
Reason for Cancelling |
Indicate the reason for which you are cancelling the application. This is an optional step. The cancellation reason could be:
|
|
Please Specify |
This field is displayed if you have selected the option Others as Reason for Cancelling. Enter the reason for which you are cancelling the application in this field. |
There are two scenarios in this case:
All saved applications will be available in the app tracker under the In Draft tab. You can select any application to resume the application submission process.
To save an application
Field Description
|
Field Name |
Description |
|---|---|
|
|
Enter the email ID with which you would like to register. |
|
Confirm Email |
To confirm the email ID re-enter the email ID entered in the Email field. |
|
Verify |
Click on this link to verify the email ID entered. A unique security code will be sent to the email address defined and a pop up window will be opened in which you can verify the email ID by entering the security code in the specified field. Refer the Verify sub section under section Register User for further information on verification. |
|
Password |
Enter a password to be used for the purpose of registration. You will be required to enter this password when you login to the system in the future. |
|
Confirm Password |
To confirm the password re-enter the password entered in the Password field. |
An application form being initiated by an existing user will differ from that of one being initiated by a new/unregistered user. If you are applying for a checking account product as an existing user, once you login to the banking system after having entered your login credentials, the application form will be displayed with all your personal details pre-populated in the respective fields and sections. You will, hence, be required to only specify details pertaining to the checking account. The sections that will be pre-populated with your information are Primary Information, Proof of Identity, Contact Information and Employment Information.
The Application Tracker enables you to view the progress of submitted applications and also to retrieve and complete applications that have been saved. Through the application tracker you can perform the following actions:
To track an application
Submitted Application
Field Description
|
Field Name |
Description |
|---|---|
|
Credit Card Offer Name |
The name of the offer for which the application has been made. |
|
Application ID |
The application reference number as generated by the bank at the time the application was submitted. |
|
Progress Bar |
The current status of the application will be displayed graphically with the help of a progress bar. |
|
Credit Limit |
The credit limit of the credit card. |
|
Applicant Name |
The name of the applicant will be displayed here. |
|
Submitted On |
The date on which the application was submitted. |
|
Status |
The current status of the application. |
Field Description
|
Field Name |
Description |
|---|---|
|
Credit Card Offer Name |
The name of the offer for which the application has been made. |
|
Application ID |
The application reference number as generated by the bank at the time the application was submitted. |
|
Progress Bar |
The current status of the application will be displayed graphically with the help of a progress bar. |
|
Credit Limit |
The credit limit of the credit card. |
|
Applicant Name |
The name of the applicant will be displayed here. |
|
Submitted On |
The date on which the application was submitted. |
|
Status |
The current status of the application. |
In this section you can define configurations on your credit card which can include setting an image to be displayed on the card, defining a name to be embossed on the card, specifying delivery preferences for the card, PIN and statement and linking membership programs to the card.
In this section you can configure your card i.e. the primary card as well as the cards of your authorized users
Field Description
|
Field Name |
Description |
|---|---|
|
Primary Card |
|
|
Name on Card |
You can specify the name that you want to be embossed on your card. |
|
Card Design |
You can select the bank ground design that you want printed on your card. |
|
Image on Card |
You can upload an image to be printed on your card. |
|
Authorized User Cards |
|
|
Add-on Card Holder’s Name |
The name of the add-on card holder will be displayed on an accordion. If you click on this accordion, the section in which you can configure the add-on card holder’s card will be expanded. Once you have configured the add-on card holder’s card and saved the same, the section will be minimized and the icon will be displayed against the add-on card holder’s name so as to identify that the particular user’s card configurations have been saved. |
|
Name on Card |
You can specify the name that you want to be embossed on the add-on card holder’s card. |
|
Image on Card |
You can upload an image to be printed on the add-on card holder’s card. |
In this section you can define delivery preferences pertaining to where you want your card, PIN and periodic statements to be delivered. The delivery preferences specified for card and PIN will be applicable for your authorized users’ cards and PINs as well.
Field Description
|
Field Name |
Description |
|---|---|
|
Card Delivery |
You can identify whether you want your card to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your card to be delivered. The options are:
|
|
PIN Delivery |
You can identify whether you want your PIN to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your PIN to be delivered. The options are:
|
|
Statement Delivery |
You can identify whether you want your PIN to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your PIN to be delivered. The options are:
|
|
Address |
If you have selected the option Home, in either Card Delivery or PIN Delivery fields, your current residential address as entered in the Contact Information section of the application form will be displayed below that field indicating that your card or PIN will be delivered to your residential address. Additionally, if you have selected the option Post or Both in Statement Delivery, your current residential address will be displayed below the Statement Delivery field. |
|
Select Branch |
This field will be displayed below the Card Delivery/PIN Delivery field if you have selected the option Branch in either of the two fields. You will be able to search for or enter the name of the branch at which you want your card/PIN to be delivered. Once you have selected a branch, the full name and address of the branch will be displayed below the field. |
|
Address Input |
The following address fields will be displayed below the Card Delivery/PIN Delivery field if you have selected the option Temporary Address in that field. |
|
Address Line 1 - 2 |
Enter details of the address at which you want your card/PIN to be delivered. |
|
City |
Specify the name of the city in which you want your card/PIN to be delivered. |
|
State |
Enter the name of the state in which you want your card/PIN to be delivered. |
|
Zip Code |
The zipcode of the address at which you want your card/PIN delivered. You can enter the zip code in format zip+4 in addition to regular format. |
|
Your email |
Your email address will be displayed below the Statement Delivery field, if you have selected the option Online or Both. |
In this section, the names of membership programs affiliated with your new credit card will be displayed. You can link your membership ID of each respective program to your card so as to earn membership rewards when using your card to make purchases from these institutions.
Field Description
|
Field Name |
Description |
|---|---|
|
Membership Name |
The name of the institution that has a membership with the card you have applied for. |
|
Membership Number |
You can enter your ID number that you hold with the specific membership institution so as to link your membership to the card. |
This screen displays a summary of your credit card application. You can click on the View Complete Application link provided on the screen to view the complete application in PDF format.
Field Description
|
Field Name |
Description |
|---|---|
|
Offer Name |
The name of the credit card offer that you applied for. |
|
Card Type |
The card network i.e. VISA, Mastercard, American Express, etc. |
|
Approved Credit Limit |
The approved credit limit on your card. |
|
Applicant Name |
Your name as entered in the application. |
|
Application Fees |
The amount of fees charged for the processing of the application. |
|
Card Customizations |
|
|
Add-on Card Holders |
Whether you have opted to add add-on card holders to your card or not. The values displayed can be either Yes or No. |
|
Balance Transfers |
Whether you have opted to have balances of any cards transferred to your new card. The values displayed can be either Yes or No. |
|
Delivery Preferences |
The delivery preferences along with details as defined by you for your card, PIN and/or statement will be displayed in this sub section. |
|
Membership Linkages |
The membership linkages, if any, defined by you in the Membership Linkage section. |
Status History
Status history displays the status of the various stages of the Credit Card application, remarks, user name, and date on which the status is updated.
Field Description
|
Field Name |
Description |
|---|---|
|
Status History |
|
|
State |
The status of the application. |
|
Remarks |
Displays the remarks, if any. |
|
Acted By |
The User ID of the person that updated the status of the application. |
|
Updated On |
The date on which that particular status was updated. |
Document upload allows you to upload the documents which are required for the processing of the application. You can upload multiple documents against a document type. You can also delete any document that has been uploaded previously.
To upload / remove a document
Document Upload
Note: Click 
to remove the uploaded document.
Field Description
|
Field Name |
Description |
|---|---|
|
Choose File |
On selecting this link, the browse option is opened, by which you can select the required file to upload. |
The option to cancel the application once submitted is provided in the application tracker and is available only if the application has not yet been processed to completion.
In order to cancel an application from the app tracker, select the Cancel option available on the application tracker details page and follow on with confirming the cancellation.
FAQs
I am an existing customer of the bank but do not have channel access, how can I proceed?
Can I proceed with the application if I am not an existing channel user?
Why am I asked to capture previous residential address details?
Why am I being asked to capture previous employment details?
Can I add multiple Add on card holders to my card?
Can I transfer balances from multiple cards to my new card?