Before you start again
Don't fill in a fresh application with the same bank. A new form can mean a new credit enquiry, and the old one may still be open. Find your application or reference number in the SMS or email the bank sent after you applied, then use the bank's tracker below.
Official trackers
| Issuer | Tracker | What you need | Resume or redo KYC |
|---|---|---|---|
| HDFC Bank | connect.hdfc.bank.in | Mobile number plus application reference number, form number or date of birth | Status shows 24 to 48 hours after you apply. Contact HDFC for a fresh KYC link. |
| Axis Bank | axis.bank.in/application-tracker | Your application details and OTP | Restart video KYC with the application ID from your SMS |
| ICICI Bank | icici.bank.in track applications, or iMobile: Services, Card Services, Track application | Mobile number plus PAN, or mobile number plus OTP | Resume with your mobile or reference number |
| IndusInd Bank | IndusInd credit cards page | Registered mobile number plus application or reference number | Official application journey |
| SBI Card | sbicard.com tracker | Application or reference number | "Retrieve Application" with your first name, mobile and OTP opens your partly filled form |
| American Express | No online tracker found | - | New applications are paused in India |
Links checked 28 Oct 2026. Banks moved to .bank.in addresses in 2025 under an RBI circular, so hdfc.bank.in, axis.bank.in, icici.bank.in and indusind.bank.in are the real sites. SBI Card stays on sbicard.com.
How long it takes
ICICI says a decision can take a few hours to a few days. SBI Card says its overall turnaround is up to 21 days once it has all your documents, and it may send an e-card by SMS before the plastic arrives. Most delays come from incomplete KYC, so finish that first: see how to finish video KYC.
Approved? Activate within 30 days
Under RBI's 2025 card Directions, if you don't activate a new card within 30 days of issue, the bank must ask for your consent by OTP. If you don't give it, the bank closes the card within seven working days at no cost to you. The bank also can't report the card to credit bureaus until you activate it.
The same rules say a card can't be issued without your explicit consent, unsolicited cards are banned, and if you're rejected the bank must tell you why in writing.