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

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  • There is no second thought about the fact that credit cards have been redefining the way we buy and spend for decades now. The features and benefits it offers is immense and continues to grow by each passing year. The huge popularity this product enjoys world over is mainly due to its mobility and “buy now, pay later” concept.

    Routine usage of credit card also calls for constant monitoring and discipline. After all, it's nothing but revolving credit you’re availing from the issuer to be repaid as per the schedule. One of the most common facets of monitoring the credit is knowing the balance. When we say balance, it refers to the current balance owed as well as remaining balance available on the card.

    Importance of knowing credit card balance

    If you’re frequent credit card user, it's paramount to know the balance at regular intervals. Let's explore the benefits of keeping track of the balance on the credit card.

    Helps in knowing how much is outstanding

    Checking your balance will help in ascertaining the balance outstanding which in turn aids timely payment. You can also check unbilled charges and raise a flag with the bank if there are unauthorized transactions. This way, you can stay up to date with card information.

    To know the available balance

    Knowing how much is available helps in deciding the spends. Just like you would do with a debit card, keeping an eye on the available balance will save you from the embarrassment of card being rejected at a shop or online, when you need the most.

    General monitoring and flagging fraudulent charges

    It also helps to keep a track of transactions made during a specific billing period. If there are any unauthorized/fraudulent charges, you can always contact the issuer and raise a dispute in this regard, thus saving you from paying for charges which were not authorized.

    Now that we’ve understood the importance of monitoring the balance, the section below provides details of various ways/resources through which you can keep a tab.

    At the ATM

    By inserting the card in any of the ATMs, you should be able to get details of the balance on the card by selecting the relevant option from the menu. This service is available upon authentication by means of a PIN on the keypad. If you do not have a PIN, explore other options or request for one with the issuer.

    Monthly statements

    The issuer would send out statements after the closure of the billing period as and when they are generated. If you’ve subscribed for a hard copy, it would be sent by regular mail or courier service. Otherwise, they are instantly transmitted to the registered email id, giving immediate access. With most issuers, a password is needed to open the soft copy. This password is generally a combination of personal credentials such as the card number and date of birth.

    The smartest way to check statements is by email. If you’ve not registered for this service, do so at the earliest since there are no additional charges for the subscription.

    Visiting a branch

    Although a time consuming option, balance information can also be obtained from the nearest branch if visiting one is convenient. The representatives have access to the card information on their systems that can be instantly retrieved and communicated after verification.

    By calling customer service team

    Balance information can also be obtained by contacting the customer service wing on the phone numbers provided. After authentication by means of a PIN, critical information pertaining to the card can be obtained either over the IVR or by speaking to the representative.

    By SMS service

    If you’ve subscribed to SMS alerts, text messages are sent out by the systems as and when the transaction is made, providing you details of the charge as reference. The issuer may also send out periodic alerts such as communicating the balance via SMS which will help you in referring to card information whenever you want.

    Internet banking

    Perhaps, one of the most sought after ways to check card information including balance. You can check the balance on the go, across devices. All you need is an id and a password to login. The credentials are generally provided when you sign up for a credit card as it comes in the welcome kit. Otherwise, some issuers also let you register for net banking on their portal. The information provided is up to date and real time.

    With online banking, you can also request for changes to your account and update personal information.

    On the mobile app

    Another preferred way to check card balance is by using the app provided by the issuer on smartphones and other handheld devices. It's convenient, easy and instant. Nearly all banks maintain apps for mobile phone and tablets on platforms such as android and iOS.

    Process to Check Credit Card Balance for:

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    Credit Card Reviews

    • Axis Bank Credit Card
      "Best Service"
      0.5 3.5/5 "Pretty good"
      I have Axis bank credit card which was applied through Bank directly.I am using this credit card for the past 8 months .This was a chargeable card .The credit limit was really good and it was sufficient .I have got this credit card on time and got all the details about the card process.
      Was this review helpful? 1
      , vellore
      Reviewed on Sep 13, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a very good credit limit and got all the required information about the card process This was a free card .I have not used and checked cash back offers and reward points .
      Was this review helpful? 1
      , surat
      Reviewed on Sep 13, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a good credit limit and got all the relevant information about the card process.I have not checked cash back offers and reward points .I have not used this card much so far.
      Was this review helpful? 2
      , surat
      Reviewed on Sep 13, 2019
    • Canara Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card of Canara bank with life time free benefits, but I am not using it often. The credit limit is sufficient for my transactions, I have been holding this card from 2006 I didn't request for any upgrade on the card because I don't have interets however there is no hidden charges taken from my end.
      Was this review helpful? 0
      , panipat
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar through Online .This website is really doing a very good service .Customer service is really good and comfortable to me so far .Each and every financial products will be processed in a smooth manner it is really good .I am really satisfied with the service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 13, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using Indusind Bank credit card which was applied through Online .This card is having a very good credit limit and also there are reward points as well cash back offers which is really convenient .There was no difficulties faced so far on using this credit card .I am really satisfied with the service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar through Online .This website is having a better facility to check credit score since it is a free service can check whenever necessary .Whatever the needs it will be fulfilled through this portal .We can get all the information such as loans and credit cards and also update to information will be received when apply for any products.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 13, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was applied through Online .In this credit card will have offers for Shopping and movie ticket bookings which is really good .I have got this credit card on time .The credit limit was 93,000 and it was really sufficient .There was no drawbacks faced while submitting the documents .
      Was this review helpful? 1
      , pune
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have downloaded Bankbazaar's mobile application. I get to see my updated credit score through Bankbazaar's mobile application. It's very simple and easy to use. I had come to know about Bankbazaar from an advertisement. Happy with their service.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 13, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I received my INDUSIND BANK PLATINUM AURA EDGE MASTER CARD. Credit limit is lower than I expected. I was expecting 1 lakh but they have given only 75 thousand. I had received the card on time and annual fee is free.I am getting reward points and offers.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using Bankbazaar's website for the past 8 to 10 months. I used to check my credit score on Bankbazaar's website. Their customer care executives were very helpful. They had provided clear information when I applied for credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 13, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied an Indusind Bank credit card. I received the card on time. There was no problem submitting the documents. I have got sufficient credit limit.I have received the card on time and it is a lifetime free card. Reward points are good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Informative Website"
      0.5 5.0/5 "Blown Away!"
      I am getting more service from Bank Bazaar.com, whenever I approach for any loans, credit card, the service level is satisfactory. The customer representatives are very polite interms of answering my queries. The website is very good to check all information.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 13, 2019
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      My Indusind bank platinum aura card has the shopping benefits without any yearly fee and joining fee. More over the credit limit is sufficient around Rs.75,000 its enough for me and they do have fuel surcharges for petrol filling at selected partners.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have been using Bankbazaar's website for a while. Their website and mobile application and very user friendly. I have come to now about Bankbazaar.com from the internet. I always check credit score on their website. Customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 13, 2019
    • YES Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have received my YES PROSPERITY EDGE from Yes Bank. Credit limit is good and there is no annual fee.Yes bank customer service was good, I had received the card on time. The features of the card are great. I am getting reward points and cashback offer.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 13, 2019
    • Citibank Credit Card
      "Good card for all spends"
      0.5 4.0/5 "Great!"
      From CITI bank I got reward card, best part I could convert the rewards points into cash and if I use this credit card at Indian oil petroleum they give cash back. This card has life time free benefits, they already gave me sufficient limit hence its fine for me.
      Was this review helpful? 2
      , pune
      Reviewed on Sep 13, 2019
    • HDFC Bank Credit Card
      "Good for travelers"
      0.5 5.0/5 "Blown Away!"
      Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 13, 2019
    • Bank Bazaar Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I appreciate the responsiveness of Bank Bazaar.com, they are more prompt when I approached for the YES Bank card, I got satisfactory service. First time I came the site through internet search then I logged in for the credit card purchase. It would be great if Bank Bazaar provides more offers based on the customer profile.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 13, 2019
    • YES Bank Credit Card
      "E commerce offers should be increased"
      0.5 3.0/5 "Satisfactory"
      Reason to select this YES Prosperity card has an option to earn more points based on the spend, they gave me Rs. 35,000 as limit its fine for me. It has life time free benefits but I am not getting any offers at e commerce sites like amazon, flipkart.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 13, 2019
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