How to Check Credit Card Balance: 7 Easy Ways

Every credit card user wonders, ‘how to know credit card balance’ at least once. Before learning about that, you need to understand that the card balance differs from the credit limit. The credit limit is the maximum amount sanctioned by the issuer, but the balance is the remaining credit limit after its usage. 

By initiating a regular balance check, you can plan your finances and clear your dues on time. Read on to learn how to know credit card balance online and offline, the advantages of checking it periodically and more. 

Credit Card Balance Check

You can easily check your balance using various options that the issuer provides. Doing so helps you stay on top of your finances without much hassle. This is because it tells you about the total amount you have utilised, which you must repay on time. 

It also tells you how much more you can spend using your card. This ensures, that your payment does not fail when you make transactions online or offline. 

How to Check Your Credit Card Balance Online?

Before initiating a transaction or to keep track of your finances, here’s how to execute a credit card balance check online.

• Net Banking

To check your balance via net banking, your card must be registered for the net banking service. After registration, you can log in to your account with your user ID and password. Upon login, you will see all the options related to your credit card services on the dashboard. 

This includes card balance, available balance, next due date, card limit and more. Choose the right option, which is to check your outstanding balance. 

• Mobile Banking App

Such apps simplify the process of checking your credit card balance instantly. You can download your issuer’s mobile banking app from the Google Play Store or App Store. After you log in to the app with your credentials, select the relevant option from the menu to see your balance. 

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Checking Balance Offline

If you cannot log in to your issuer’s net banking and mobile banking accounts, here are alternative options to check your credit card balance offline. 

• Monthly Credit Card Statement

Issuers generate a monthly statement at the end of every billing cycle and send it to your email. This will include your balance, among other details, to keep track of your credit card usage and costs. You can even request your card provider to send a physical copy to your registered address.

• Customer Service

Card issuers have a dedicated customer support team that can give you the required information about your credit card after verifying your details. Simply call customer care to get an update on your balance anytime.

• ATM

You can also check your balance at your nearest issuing bank’s ATM. Simply insert your card into the ATM and select the relevant option. After entering your PIN, you will get your updated balance instantly. 

• Nearest Bank Branch

You may also visit your bank branch and request the banking executive to check your balance. They will ask you a few details of your card to verify your identity. As this is a time-consuming process, its best to consider it as a last resort. 

Why Check Your Credit Card Balance Periodically? 

As a frequent credit card user, you should be aware of the benefits of running periodic credit card balance checks. Here are a few of them:

• It helps you understand the available balance on your card so you can spend smartly 
• It helps you keep a tab on any unauthorised payments or fraudulent transactions
• It helps you raise disputes against any fraudulent activities as soon as possible 
• It helps you stay up to date with the charges levied by your card provider in case you go over the limit  

With this, you know most of the advantages of keeping track of your credit card balance. By spending responsibly, you can enjoy the benefits of your credit card to the fullest. If you want to enjoy such numerous perks, you can opt for the Fibe Axis Bank Credit Card. 

This RuPay credit card offers you cashback of up to 3% on shopping, food delivery, and other transactions. What’s more, it has zero joining and annual fees, so you don’t have to worry about additional charges. With India’s first numberless credit card, you can shop endlessly with minimal risk, as this card links straight to your UPI ID. 

Simply download the Fibe Instant Loan App or register on our website and apply hassle-free!

FAQs on Checking Credit Card Balance

Can I call to check my credit card balance?

Yes, you can call your bank’s customer care to get your credit card balance on the phone.

How to check credit card balance limit?

You can log in to the issuer’s net or mobile banking portal or call customer care to get your balance quickly. Some issuers also offer SMS banking facilities.

How to check credit card balance through SMS?

If your issuer offers this option, you need to register for SMS banking and then send a text in the designated format. Shortly after, you will get your balance via text.