Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    How to know the Credit Card Balance

    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:

    Credit Card Reviews

    • ICICI Bank Credit Card
      "Never understand the value of the customers"
      0.5 1.0/5 "Really Bad"
      I purchased the ICICI credit card 4 months before . I have huge transaction in ICICI salary account , but even though they provided me a credit limit of 25 k only . I am highly disappointed with the ICICI service . Never understand the value of the customers and customers requirements .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Recently Purchased credit card"
      0.5 4.0/5 "Great!"
      Recently I applied for this SBI credit card through Executive . I find a good support from that executive by taking care of all the requirements till the delivery of my credit card . SBI provided me a credit limit of more than 50 k and Annual fees is around 500 /- .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Very good credit card for other bank users"
      0.5 5.0/5 "Blown Away!"
      I always prefer HDFC service is very satisfactory service . For the last two years , I am using this HDFC credit card . I don't experience any negative things . Very good credit card for on-line shopping with some discount around 5-10 % . With a good credit limit of more than 50 k .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Good. Can be more clear in details"
      0.5 3.0/5 "Satisfactory"
      SBI is good in the overall experience for the credit card. They are good in their offers and also in the credit limit. They have good emi options and there are good deals on the e commerce websites. The only thing which is not satisfactory is when I visit big stores like Big Bazaar for example. There are executives of this bank who would offer a credit card. If I am to tell them that I already have one, they would say that I could get a new card with a higher limit. My current limit is 70K and I would get 5 lakhs on the new card. Finally I would get a call from the bank who is willing to give me a new card with a bifurcated limit of 50k, where I would have 25K on each card. I refused as it is not useful to me.
      Was this review helpful? 0
      , kannur
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      It has been three years since i am using this credit card, there is some annual charges of 500 with this card. The credit limit with the card has been less and there has not been any benefits in using this card. I had not been using this card much and just for some purchases has been using.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I have been using this credit card for the last couple of years, the services with them was good. I am satisfied with the credit limit with this card and there is an annual charges of 500 with this card as well. I have been using the card for all sort of purchases.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last three years where i am quite satisfied with the services of them. There has been a good credit limit with this card and it has an annual charges of 500 as well. There has been offers with the card on cash backs and reward points.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      Hdfc taken one week of time to approve my credit card,they quickly dispatched the card. Initially they declined the card then I raised the request, they approved it on next day. The service is good they responding to the customer in professional manner. Initially I paid the amount of Rs. 1800 hence it became life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • Kotak Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I use Kotak Mahindra Bank credit card and my experience was average. The helpline number was not useful and they need to improve the customer service. They don't charge annual fee, If I spend certain limit in a year. The credit limit was sufficient. I have not used the Flexi option so don't know the charges.
      Was this review helpful? 0
      , thane
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 2.5/5 "Just OK"
      I had been using this credit card for the last two years and the services which they had been providing so far has been pretty good. But they had been making many hidden charges and there was not much offers other than the reward points. The credit limit with the card is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I got this credit for making my essential needs and is very useful for me.It is best card for doing shopping and there is no annual fee charges as well.I am using this often.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card just for the last six months and the services with them was good so far. I am satisfied with the credit limit with this card and there has also been some better offers with this card on reward points. I am happy with the credit limit with this card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • RBL Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last one and a half years where i am satisfied with the services which they had provided so far. They had given me with a good credit limit and there has not been any annual charges with this card as well. I had been getting some good benefits in using this card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • RBL Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I also bank with Ratnakar Bank for the credit card. The customer support is good and they also have a good online banking system. I can check the status of the EMI conversion and I can also login with ease. There are good offers and the credit limit is fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good. Online banking needs to be user friendly"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card which has a annual fee of Rs.500. The credit limit is good. I am also fine with the customer services and response too. The online banking is not user friendly, it is very complicated to login and to also convert the emi is not that easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average performance credit card"
      0.5 3.0/5 "Satisfactory"
      While purchasing this SBI Platinum credit card , i got more vouchers during that time . They sold this credit card without proper information .making the credit call bill payment in SBI is very difficult process . This card is not at all applicable for my usage . I thought of blocking this credit card after that i changed my mind .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Need more offers in the future"
      0.5 4.0/5 "Great!"
      I am using the HDFC national card . On initial days, i wont receive much notifications through Email . Impossible to get he Credit card statement also . HDFC taken some time to respond my all these request. HDFC Services wise I am okay .I dint find any hidden charges in HDFC till now .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India. It is a good experience as I can redeem the points with ease. The credit limit is also good and there are no hassles. The statements are clear and sent to me on time. The customer support and response is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • Bank Bazaar Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is really good as the portal helps me to track my credit score and also check the banks offers and deals and compare the various options. The team was on time to contact me and inform me the details. They also followed up in the process too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • Citibank Credit Card
      "Good. Can reduce the annual fee"
      0.5 4.5/5 "Excellent!"
      Citibank has been good till date and on time for me to get the credit card. The credit limit is also good. I expected more though. There are annual charges of 1K for the card which gets waived off if I use the card for 30K in the first month or within two months. It is a Indian oil card and since I did not need it as I would not use it much for fuel so I asked for a rewards card, but in between the conversation I got a message that it is already dispatched and would be delivered the same day. So I could not do anything about it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
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