Credit Card Details

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

This page displays important details of a credit card such as billing details, cash and credit limits, validity and reward details. Additionally, the user can initiate service requests from this page including PINPersonal identification number (PIN) is a secret number given to an account holder to be used when they put their credit card or cash card into an automatic teller machine (ATM). If the number they use is correct they will be allowed to access their account. request, card block, auto pay, card cancellation, update of card limits, etc. 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 user and the option to update/add nickname.
• Additional Information: This section displays the validity of the card and its status. Further it also shows if it is enabled for international transactions or not.
• Billing :Information pertaining to billing such as current billing details including total amount due, , 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 user 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 user 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.

How to reach here:

Dashboard > My Account Widget > Credit Cards > More options > Credit CardA credit card is a payment card issued to users (cardholders) as a method of payment. 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 Additional information, Billing, Limits, and Rewards details appears.

2. Click on the Back to Dashboard link to go back to the Dashboard screen.
   OR
   To view and download the statement, clickView Statement .
   OR
   To pay the credit card bill, click Card Payments available against the total due amount. 
   OR
   To block or to cancel the 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 the credit card pin, click Reset PIN .
   OR
   To request for credit card pin, click Request PIN.
   OR
   To redeem reward points, click Redeem Points
   OR
   To set auto pay for the credit card, click Auto Pay.
   

Note:
1) AutoPay feature is available if user has opted for auto payment facility.
2) 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

Users can update the cash and/or credit limit of a credit card by selecting the ‘Update’ option displayed the limits on the credit card details screen. On selecting the ‘Update’ option, the ‘Update Card Limit’ page is displayed. The user can view the existing limits and has the option to specify the desired limit of cash and credit for the credit card selected.

The user 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 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. The Update Limits popup appears.
5. Click Proceed to proceed with the request to update the limit/s.
   OR
   Click Cancel to cancel the transaction.
6. A success message appears identifying that the request has been initiated successfully. The service request number is also displayed as part of the success message.
7. Click Go to Dashboard to go to the Dashboard screen.
   OR
   Click Go to Account Details to visit the accounts screen.
   

Change Billing Cycle

Users might want to change the billing cycle of a credit card to better suit their needs. The application enables users to set a new billing cycle for any credit card of which they are primary card holders so as to enable the users to better manage their funds. The user can change ‘Billing CycleThe number of days between your last statement date and your current statement date.’ by clicking the icon available against the billing details sub section in the credit card details page of a specific credit card.

To change the billing cycle of a credit card:

1. Click the icon displayed against the current billing cycle on the Credit Card Details page.
   

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

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.

Home