1.9 Card Preferences

This topic describes the section where you can specify your service preferences.

This step enables you to enhance the features of the card you are applying for. You can provide your preferences related to services you would like on your card which could include International usage, Balance Transfers or Add-On Cards, etc.

Note:

If the host is OBO, you will only be provided with the option to apply for add-on cards.

Figure 1-14 Card Preferences

Description of "Figure 1-14 Card Preferences"

Note:

The fields which are marked as Required are mandatory.

For more information on fields, refer to the field description table.

Table 1-16 Card Preferences - Field Description

Field Name	Description
Features available on your card
Will you be using this card internationally?	The facility to specify if the credit card should be enabled for international usage or not. The options are: Yes No
Transfer balances to new card?	The facility to specify whether the balances of other credit cards are to be transferred to this card or not. The options are: Yes No
Balance Transfer Details	Below following fields will be displayed if you select Yes option in the Transfer balances to new card? field.
Issued By	The issuer of the card from which balance is to be transferred.
Balance to be transferred	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.
Transfer another balance	Click on the link to transfer another balance. The number of balance transfer records that can be added will be configurable by the bank. By default the applicant can add maximum 3 balance transfer records in total.
Apply for Add-On Cards?	The facility to apply for add-on cards. The options are: Yes No
Add-On Card Holder Information	The following fields will be displayed if you select the option Yes in the Apply for Add-On Cards? field.
Upload	The option to upload the add-on card holder's ID proof so as to have his/her information pre-populated based on the ID document. Note: The document formats supported can be configured by the bank. By default, the supported formats are PDF, PNG, JPG and JPEG. The maximum size allowed per document can be configured by the bank.
Title	The salutation/title applicable to the add-on card holder. Examples of salutation are Mr., Mrs., Dr. etc.
Last Name	The Add-On card holder’s last name.
First Name	The Add-On card holder’s first name.
Middle Name	The Add-On card holder’s middle name, if applicable.
Relationship with primary card holder	TheAdd-On card holder’s relationship with you. The options are: Spouse Mother Father Brother Sister Son Daughter
Date of Birth	The date of birth of the add-on card holder. The format of the date should be DD/MM/YYYY.
Identification Type	The type of identification that can serve as the add-on card holder’s proof of identity. The options are: Passport Driving License SSN PAN Card Aadhar Card
ID Number	The Add-On card holder’s identity number specific to the identification type selected under the Identification Type field.
Mobile Number	The Add-On card holder’s mobile number.
Email ID	The Add-On card holder’s email ID.
Address same as primary applicant’s?	Identify if Add-On card holder’s mailing address is the same as your address. The options are: Yes No
Add-On card holder’s Address	Enter Add-On card holder’s address in this field. This field is prompt enabled, hence, as you type characters, addresses that match the characters will be listed and you can select the desired address.
Address Overlay	This overlay is displayed when you click on the Click Here link available under the Add-On card holder’s Address field. On this overlay, you can enter Add-On card holder’s address line by line.
House/Unit Number	The house number of the add-on card holder.
Building Name	The building name of the add-on card holder.
Street	The street in which the add-on card holder's address is located.
Locality	The locality in which the add-on card holder's address is located.
Zip Code	The zip code of the add-on card holder's address.
City	The city in which the add-on card holder's address is located.
State	The state in which the add-on card holder's address is located.
Country	The country in which the add-on card holder's address is located.
Add another card	Click on the link to add more add-on cards. You can add maximum 3 add-on cards.

1. In the Will you be using this card internationally? field, select the option if you wish to avail a facility to use credit card while travelling overseas.
2. In the Transfer balances to new card? field, select the option if you wish to avail a facility to transfer balances to new card.
   1. If you select the option Yes;
      1. • From the Issued By list, select the name of the institution that issued the card.
         • In the Balance to be transferred field, enter the amount to be transferred.
3. In the Apply for Add-On Cards? field, select the option if you wish to apply for an Add-On card.
   1. If you select the option Yes;
      1. From the Title list, select the title that applies to add-on card holder.
      2. In the Last Name field, enter the add-on card holder’s last name.
      3. In the First Name field, enter the add-on card holder’s first name.
      4. In the Middle Name field, enter the add-on card holder’s middle name, if applicable.
      5. From the Relationship with primary card holder list, select the relationship that the add-on card holder has with you.
      6. From the Date of Birth date picker, select the add-on card holder’s date of birth.
      7. From the Identification Type list, select the document that will serve as identification proof of the add-on card holder.
      8. In the ID Number field, enter the identity number specific to the identification document type selected under the Identification Type list.
      9. In the Email ID field, enter the add-on card holder’s email ID.
      10. In the Mobile Number field, enter the add-on card holder’s mobile number.
      11. In the Address same as primary applicant’s? field, select the option of choice;
          1. If you select the option No;

             In the Add-On card holder’s Address field, enter add-on card holder’s address.

             OR

             Click on the Click Here link provided under the Add-On card holder’s Address field to invoke the overlay on which you can enter add-on card holder’s address line by line or select it on a map.        

             If you have clicked the Click Here link, the Add-On card holder’s Address overlay is displayed. You can specify add-on card holder’s address as follows:

             1. In the House/Unit Number field, enter the add-on card holder's house or flat number.
             2. In the Building Name field, enter the building/house name of the add-on card holder's address, if applicable.
             3. In the Street field, enter the name of the street on which the add-on card holder's address is located.
             4. In the Locality field, enter the locality in which the add-on card holder's address is located.
             5. In the Zip Code field, enter the zip code of the add-on card holder's address.
             6. In the City field, enter the name of the city in which the add-on card holder's address is located.
             7. In the State field, enter the name of the state in which the add-on card holder’s address is located.
             8. In the Country field, enter the name of the country in which the add-on card holder's address is located.
             9. Click Add to add the address details. The Card Preference page displays the add-on card holder’s address.
          2. If you select the option Yes, it will be considered that the add-on card holder’s address is the same as yours.

             Note:

             If you have opted to upload an ID proof of the add-on card holder, all the information of the add-on card holder that can be fetched from the ID proof document will be prefilled in the respective fields. You can verify and edit the values in any of the fields as required.
4. Perform one of the following actions:
   • Click Continue to proceed to the next step in the application.
   • Click Back to navigate back to the previous step in the application.
   • Click on the Skip this Step link. This option will only be provided, if this step is optional for the product for which the application is being made.

     The next step in the application will be displayed.

   • Click on the Scan QR-code anytime to continue on mobile link to continue the application on mobile or tablet device.
   • Under the kebab menu, perform one of the following actions:
     • Click the Save and Continue Later option to save the application.
     • Click the Continue on Mobile option to continue the application on a mobile device.