3 Credit Card Details

This topic provides the systematic instructions to user to view the credit card details such as billing information, cash and credit limits, card validity, and reward program 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.

The credit card details screen displays key information related to a credit card across multiple widgets, such as:

• Relationship Credit Card: Allows actions to be performed on the card.
• Card Details: Provides detailed information about the card itself.
• Billed Transaction Tab: Displays all billed transactions. Click on the Show All Transactions to view all the billed transactions.
• Unbilled Transaction Tab: Displays the transactions that have not yet been billed.
• EMI Tab: Provides details on equated monthly installments.
• Pre-qualified Offer: Displays personalized offers for the user.
• Spend Analysis: Offers insights into the user's spending patterns.
• Manage Cards: Allows to perform card related transaction
• Statement History: Displays the debit and credit entries along with each transaction amount and reference details
• Rewards: Displays the rewards accumulated on the credit card.
• Upgrade Your Card Now: existing credit card upgraded to avail better benefits and facilities

This option also displays the Total Outstanding amount and the Available Limit on the card, along with a link to download the statement. The user can select the desired relationship card from a drop-down list located in the header, and the application will then display the corresponding details for that card.

The Spend widget offers insights into the user's spending patterns. It displays a holistic view of the overall spends across 1,2, and 3months. It visualizes spending patterns through a donut chart, categorizing expenditures associated with the card. For more information refer My Spend section.

To view the credit card details:

1. Perform anyone of the following navigation to access the Aggregation Dashboard screen.
   • From the Dashboard, click Toggle menu, then click Menu, and then click Cards .

     Under Cards , click Credit Cards , and then from the Credit Card List, then click on the credit card.

   • From the Search bar, type Credit Cards – Cards Details and press Enter.
   • On the Dashboard, click Overview widget, then click Credit Cards card, and then click on the Credit Card .

   The Credit Card Details screen appears.

2. Click on the active card to view the details of the respective card.
   The details of the selected credit card appear on the Credit Card Details screen.

   Figure 3-1 Credit Card Details

   
   

   
   Description of "Figure 3-1 Credit Card Details"

   
   

   Note:

   The fields which are marked as Required are mandatory.

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

   Table 3-1 Credit Card Details, Billed Transactions tab, and Spend Analysis widget- Field Description

   Field Name	Description
   Card Status	Displays the current status of the card. The possible values are: Active Inactive Blocked Suspended Cancelled
   Card Type	Displays the card type as primary card or Add-on card.
   Name of Bank	Displays the name of the bank that has issued the card.
   Card Product	Displays the credit card product name.
   Card Number	Displays the credit card number in masked format.
   Expires On	Displays the date on which card will expired shown in MMMDD,YYYY format.
   CVV	Displays the CVV number in encrypted form on the card. Click on the link to unhide the CVV number. The Card Verification Value number (CVV) is the 3 digit number printed on the reverse of most credit cards.
   Card Holder Name	Displays the card holders name as embossed on the card.
   Actions	Displays the card related actions based on the card status. Following are the card related actions can be performed based on the card status: Manage Block Unblock CVV Activate Add On (Count of Add On cards) Note: On clicking each option, the user is re-directed to the respective screen.
   Current Outstanding Amount	Displays the total current outstanding amount due on credit card.
   Pay Now	Click on the link to make payment towards the credit card bill.
   Due Date	The date before which either minimum due or full payment is to be done. This information is shown in case of a primary card.
   Total Outstanding	Displays the total current outstanding amount to be paid.
   Available Limit	Displays the total cash or credit limit available on the user's card.
   Download Statement	Click on the link to download the statement in password protected pdf format.
   Billed Transactions tab This tab displays the billed transactions
   Merchant Photo	Displays the merchant’s logo, if uploaded, against merchant name.
   Merchant Name	Displays the name of the merchant.
   Reference Number	Displays the transaction reference number of the transaction.
   Date	Displays the date on which the transaction took place.
   Reward Point Earned	Displays the rewards points earned on the transaction.
   Amount	Displays the transaction amount along with the currency.
   Transaction Type	The type of transaction performed, i.e. if it was a debit or credit transaction. The options are: icon- debit only transaction icon – credit only transaction
   Convert to EMI	Click on the link to convert the transaction amount into an EMI option, allowing you to pay the amount in small installments. Note: Convert to EMI option is displayed only in case of the higher amount.
   Raise Dispute icon	Click on the icon to Initiate a dispute for unauthorized charges, fraudulent or duplicate transactions.
   Show All Transactions	Click on the Show All Transactions link to view all the billed transactions.
   Spend Analysis	This section displays the spending analysis of the customer. The user can view the total expenditure incurred during the past 1/2/3 months.
   Total Spends	Displays the total amount spent in percentage as well as in amount for the selected duration and account/card. It also shows the percentage change in spending compared to the previous month, with Blue indicating an increase and Red indicating a decrease.
   Spends Tenure	Specify the duration to view the spend analysis based on it. The options are: 1M 2M 3M
   Percentage Utilised for category	Displays the spend utilised for a category in percentage.
   Name of the Category	Displays the spend category. Note: The spend category is fetched from the credit card host.
   Amount Utilized for category	Displays the spend utilised for a category in amount along with the currency.

   Figure 3-2 Credit Card Details – Unbilled Transaction tab

   
   

   
   Description of "Figure 3-2 Credit Card Details – Unbilled Transaction tab"

   
   

   Note:

   The fields which are marked as Required are mandatory.

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

   Table 3-2 Credit Card Details- Unbilled Transaction tab - Field Description

   Field Name	Description
   Unbilled Transaction Tab	This tab displays the unbilled transactions
   Biller Photo	Displays the biller’s logo, if uploaded, against biller name.
   Biller Name	Displays the name of the biller.
   Reference Number	Displays the transaction reference number of the transaction.
   Date	Displays the date on which the transaction took place.
   Reward Point Earned	Displays the rewards points earned on the transaction.
   Amount	Displays the transaction amount along with the currency.
   Transaction Type	The type of transaction performed, i.e. if it was a debit or credit transaction. The options are: icon- debit only transaction icon – credit only transaction
   Convert to EMI	Click on link to convert the transaction amount into an EMI option, allowing you to pay the amount in small installments. Note: Convert to EMI option is displayed only in case of the higher amount.
   Raise Dispute icon	Click on the icon to Initiate a dispute for unauthorized charges, fraudulent or duplicate transactions.
   Show All Transactions	Click on the Show All Transactions link to view all the billed transactions.

   Figure 3-3 Credit Card Details – EMI tab

   
   

   
   Description of "Figure 3-3 Credit Card Details – EMI tab"

   
   

   Note:

   The fields which are marked as Required are mandatory.

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

   Table 3-3 Credit Card Details - Field Description

   Field Name	Description
   EMI Tab	This tab displays the cards for existing transactions that have been converted to EMI.
   Name of the Biller	Displays the name of the biller to whom payment has be done.
   EMI Installment Paid (%)	This displays the EMI installments paid in a percentage, shown in the form of a donut chart for a clear visual representation
   Convert to EMI	Click on the icon to convert the transaction amount into an EMI option, allowing you to pay the amount in small installments.

   Perform one of the following actions:

   • Click Pay Now to make payments towards his credit card. Refer Card Payment section.
   • Click on the Statement History card to view /download the pre-generated statements for the selected period. Refer Pre-Generated Statement section.
   • Click on Rewards card to view the rewards accumulated on the credit card. Refer My Rewards section.
   • Click on Pre-qualified offer card to apply for the offer.
   • Click on Upgrade your credit card widget to upgrade the credit card.
   • Click on the Manage Card card to perform card related transaction. Refer Manage My Card section.

• Redeem Reward Points
  This topic provides the systematic instructions to user to view and redeem reward points accumulated on the credit card.
• Card Payment
  This topic provides the systematic instructions to user to make payments towards their credit card bills.
• Convert to EMI
  This topic provides the systematic instructions to break up a credit card bill into smaller, more manageable monthly payments.
• Upgrade Your Card
  This topic provides the systematic instructions for users to upgrade their existing credit cards.