Credit Card Details

The customer can navigate to the credit card details page by selecting any credit card displayed in the summary section of the credit cards dashboard.

This page displays important details of a credit card such as billing details, cash and credit limits, validity and reward details. Additionally, the customer can initiate service requests from this page including PIN request, card block, auto pay, card cancellation, update of card limits, etc. If the customer is the primary holder of the card, the facility to apply for an add on card is also provided on this page. The option to pay the credit card bill is provided against the billing details.

Following are the categories displayed in details:

• Header: This section displays the card holder name as it is embossed on the card, the card number in masked format and also the card nickname if already defined by the customer and the option to update/add nickname.
• Billing :Information pertaining to billing such as current billing details including total and minimum amounts due, unbilled amount, due date as well as the billing cycle is displayed in this section. The option to pay the bill is also provided in this section, by clicking on which, the customer is able to navigate to the bill payment page.
• Limits : This section displays limit information that includes the total and available credit limits as well as the total and available cash limits. The customer is provided with the option to apply for a change in either of the two limit types i.e. cash and credit.
• Rewards : This section displays the amount of reward points accrued as on date.
• Additional Information: This section displays Validity details, International Transactions, and Card Status

How to reach here:

Dashboard > My Account Widget > Credit Cards > More Options > Credit Card Details
OR
OR
Dashboard > Toggle menu > Credit Cards > Credit Card Details

To view the credit card details:

1. The Credit Card Details screen along with the Billing, Limits, and Rewards details appears.

Field Description

Field Name	Description
Customer Name	The card holders name as embossed on the card.
Card Number	The credit card number in masked format.
Card Type	Displays the card type as primary card or Add on card.
Nickname	Nickname of the card. Click , to add nickname , for more information click here.
Additional Information
Validity From	The start date of the credit card validity.
Validity To	The end date of the credit card validity.
International Transactions	The flag that indicates if international transactions are active on the card or not. The options are: Active Inactive- Disable all international transactions on the credit card
Card Status	Displays current status, whether the card is active or inactive.
Billing
Total Amount Due	Total amount due on credit card.
Billing Cycle	Existing billing cycle as maintained for the selected card. Date for which billing statement is generated. To change the Bill cycle, click displayed against the bill date.
Due Date	The date before which either minimum due or full payment is to be made.
Limits
Available Cash	The available cash limit, on the customer's card.
Total Cash	The total cash limit, on the customer's card.
Available Credit	The available credit limit, on the customer's card.
Total Credit	The total credit limit, on the customer's card.
Rewards
Reward Points	The total reward points accumulated on the credit card.

2. Click on the Back to Dashboard link to go back to Dashboard screen.
   OR
   To view and download the statement, clickView Statement .
   OR
   To pay the credit card bill, click Pay Bills available against the total due amount. 
   OR
   To block/Cancel credit card, click Block / Cancel Card.
   OR
   To change the Bill cycle, click displayed against the bill date.
   OR
   To update Credit & Cash Limit, click Update available against the respective limit details.
   OR
   To reset for credit card pin, click Reset PIN .
   OR
   To apply for Add-On card, click Add-On Card.
   OR
   To redeem points, click Redeem Points
   OR
   To set auto pay for the credit card, click Auto Pay.
   

Note: AutoPay feature is available if customer has opted for auto payment facility.

Note: For Add on active credit card, View Details, Request PIN, Block/Cancel card/ Replace card, View-Update Limits, View – Update International transactions, View Card Status transactions will be available.

Update Limits

Customers can update the cash and/or credit limit of a credit card by selecting the ‘Update’ option displayed against each limit on the credit card details screen. On selecting the ‘Update’ option against either the cash or credit limit, the ‘Update Card Limit’ page is displayed for that specific limit. The customer can view the existing limit and has the option to specify the desired limit for the credit card selected.

The customer can also update the limits of an add-on card. In this case, in addition to the existing limit, the screen also displays the maximum limit amount that can be set for the card. This maximum limit amount is for Add On card, the limit assigned to the primary card.

To modify the limits of the credit card:

1. Click Update to update the limits as required. An editable screen appears.

2. Update the available cash & credit limits, if required.
3. Click Save to save modified limits. The Update Limits popup appears.
   OR
   Click Cancel to cancel the transaction.
   OR
   Click on the Back to Dashboard link to go back to Dashboard screen.
4. Click Proceed to continue the transaction.
   OR
   Click Cancel to cancel the transaction.
5. The success message of limits saved successfully appears, along with the service request number. Click Go To Dashboard to go to Dashboard screen.
   

Change Billing Cycle

Customers might want to change the billing cycle of a credit card to better suit their needs. The application enables customers to set a new billing cycle for any credit card of which they are primary card holders so as to enable the customers to better manage their funds. The customer can change ‘Billing Cycle’ by clicking the icon available against the billing details sub section in the credit card details page of a specific credit card.

To change billing cycle for credit card:

1. The current billing day appears.
   

2. Click .
   The screen prompting you to change the current billing day
3. From the Billing Cycle list,select the appropriate available new billing day to assign for the selected credit card.
4. Click to update changes.
   OR
   Click on the Back to Dashboard link to go back to Dashboard screen.
5. The Update Bill Cycle popup appears.
6. Click Proceed to continue the transaction.
   OR
   Click Cancel to cancel the transaction.
7. The application updates the new billing day. Click Go To Dashboard to go to Dashboard screen.
   

FAQs

How can I check my credit card account balance?

The credit card details page displays a summary of your current account status, including outstanding balance, available credit limit and information as to when your next payment is due.

What is a Credit Limit?

The 'Credit limit' is the maximum amount that a customer can spend/ borrow on a single credit card. This limit is defined by the bank/ financial institution based on the customer’s credit rating and history.

What is a Cash Limit?

The cash limit of a credit card is the maximum amount of money that can be withdrawn on the credit card.

Can I update the limits applicable on an add-on credit card?

Yes, you can update both the cash and credit limits of an add-on card. However, the limits of an add-on card cannot exceed the respective limits of the primary card to which it is linked.

What is the impact on the billing cycle of an add-on card when the billing cycle of the primary card, to which it is linked, is changed?

When the billing cycle of a primary card is changed, the same billing cycle will be applicable on all linked add-on cards as well.

Is the bank required to manually accept a request for change in billing cycle or does it get automatically approved?

Depending on the bank’s configuration, manual acceptance by the bank might be required or it could be a straight through process where in the billing cycle gets changed automatically when a request to change is initiated by the customer.

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