Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How To Check Citibank Credit Card Balance

    Credit card balance is the amount of credit available to use for purchases on a credit card. It is usually the difference between credit limit of the card and the outstanding balance, which is the amount already spent on the card. Knowing the available balance on your credit card is important to properly use your credit card, prevents overspending and to avoid over limit fee.

    Citibank allows its credit card customers to check credit card balance on their Citi Credit Cards using various channels. Customers can avail any one of the facilities to check their credit card balance any time and hence can plan their credit card expenses accordingly. .

    Check Citibank Credit Card Balance Through Net Banking

    Citibank internet banking enables the credit card users to have a net banking account through which they can manage Citibank credit cards at their convenience. All the new credit card users should create a net banking account through the bank’s website to access their credit card information online. Once the account is created, users will have a user ID and IPIN (Internet password) to login and access their credit card account.

    Once you have the Citibank net banking login credentials, follow the below steps to know your credit card balance.

    • Visit Citibank internet banking login page (
    • Enter User ID and IPIN and click ‘Login’
    • On the Citibank Online home page, click 'Credit Card’ tab
    • Select the credit card for which you want to know the balance
    • Select 'View account summary'

    A summary of the card will then be displayed in which you can find the balance on your card. If you want to check balance on another card, go back, select the card and click on ‘view account summary’ to know the balance.

    Check Citibank Credit Card Balance Through SMS

    If your mobile number is registered with Citibank, you can send an SMS in the below mentioned format to know your Citibank Credit Card balance.

    • SMS 'CARDBAL to 52484 (For Vodafone/Airtel/Aircel / Idea users)
    • SMS 'CARDBAL to +919880752484 (For other telecom users)

    Check Citibank Credit Card Balance Through Customer Care

    Citibank credit card users can also call the bank’s 24x7 helpline to know their credit card balance in real time.

    • For callers across India - 1860 210 2484
    • For callers calling from outside India - +91 22 4955 2484

    Frequently Asked Questions about Balance Check

    1. Can I Check Citibank Credit Card Balance Without Using Internet?

      Yes, you can check Citibank Credit Card balance without having internet connection. Use Citibank’s SMS service and phone banking service as mentioned above to check the balance on your credit card.

    2. How To Open Citibank Credit Card For Net Banking?
      • Visit Citibank’s official website (
      • On the home page, select ‘First Time User? Register Now’ button
      • You will be redirected to a new page. Select your account type as ‘Credit Card’.
      • Enter the 16 digit credit card number, CVV number, date of birth, Pincode of mailing address, read and agree the terms and conditions and click ‘Proceed’
      • You will receive a one time password (OTP) on your registered mobile number
      • Key in the OTP in the next step to authenticate your account information
      • Once verified, you will be prompted to choose User ID and IPIN of your choice
      • Once the credentials are approved, you may receive a confirmation message saying your net banking account has been created.
      • You can use the same credentials to login to your net banking account form where you can manage your credit card.
    3. Do I need to pay for Citibank Net Banking service?

      No, the CitiBank net banking service is completely free. The bank won’t charge anything for creating the account and to avail the online services thereafter.


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