How to Check Credit Card Balance and Due Amount

Over the years, Credit Cards have been redefining the way we buy and spend. You can buy anything you want or need even if it is beyond your current budget, just by swiping your Credit Card.

If you are a frequent user of a Credit Card, you should know your balance, credit limit and amount due.

Importance of knowing the Credit Card balance and due amount

Get an idea of your spending

Regular monitoring of your Credit Card balance will keep you updated about your spending pattern. Instead of exhausting the credit limit and going through a situation where your Card is rejected due to low credit limit it is better to check the balance every month.

Monitor fraudulent charges

Checking the Credit Card balance and transactions will help you identify whether any unauthorised or fraudulent transactions have been initiated using your Card.

Ways to check your Credit Card balance and due amount

ATM

You can visit your bank’s ATM to check your Credit Card balance and due amount. You might be asked to enter the PIN to know the details.

Credit Card monthly statements

When you get your Credit Card monthly statement, check your Credit Card balance and the outstanding amount due on your Card. Monthly statements can also help you know the transaction details, Total Amount Due, Minimum Amount Due, cash advance and credit limit availability.

Internet Banking

One of the easiest ways to check your Credit Card information, including the balance, is by logging in to your Internet Banking account. For instance, if you are using an ICICI Bank Credit Card, you have the flexibility to check the balance and total amount due in the ‘Credit Card’ section after you log into Internet Banking.

Mobile Banking App

Another easy way to check your Credit Card balance is by using the mobile banking app of the bank that has issued your Card. You can easily get all information related to your Credit Card in a single place. With the help of iMobile, ICICI Bank’s mobile banking app, you can register your Credit Card details and manage your Credit Card, even if it belongs to any other bank.

Sending SMS / Calling Customer Care

If you have subscribed to your bank’s SMS alerts service, you can send a text on the number provided by the bank and you will get the Credit Card balance amount in just a few moments. You can also get the balance information by contacting the bank’s Customer Care helpline.

It is important to be familiar with these processes, especially if you are a frequent Credit Card user. All of the above methods are simple and straightforward. In fact, with ICICI Bank, you can stay updated on all Credit Card-related information through the iMobile app even if you are using Credit Cards of other banks.

FAQs

Can I check my ICICI Bank Credit Card balance without logging into my online account?

Checking your Credit Card balance offline is very easy – simply check it via SMS or call ICICI Bank Customer Care on 1800 1080.

Is it safe to check my ICICI Bank Credit Card balance online? 

Yes, checking your Credit Card balance online is completely safe with ICICI Bank. You can check it using iMobile or Internet Banking. Make sure you use a trusted Wi-Fi network for the same.

How can I avoid exceeding my Credit Card limit?

Track your spending regularly and set usage alerts. Always pay attention to your balance and available amount and avoid using your Card for unnecessary or large purchases.

Looking to apply for a Credit Card from ICICI Bank? Click here to get started!

Terms and conditions apply.