With advancements in the fintech sector, checking your credit card balance from the comfort of your home is no herculean task. If you’re wondering, ‘How can I check my credit card balance,’ the answer is simple.
There are umpteen online and offline options using which you can get your balance seamlessly. After all, keeping yourself updated on your card’s balance helps you track and analyse your purchases. If required, you can even reduce unnecessary expenses.
Check out a few ways how you can check your card balance.
Ways To Check Your Credit Card Balance
Net Banking Portal
Most credit card issuers offer online banking services, using which you check your balance from home. Simply follow the steps mentioned here:
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Step 1: Log in to the issuer’s net banking portal using your credentials
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Step 2: Navigate to the ‘My Account’ section
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Step 3: Click on ‘Credit Card Balance’
This way, you can view your current balance. Some websites also have extra features like bill payment, transaction history, and spending analysis.
Mobile Apps
Follow this process if you plan to check the balance using the app:
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Download the issuer’s app from the Google Play Store or App Store
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Log in using your username and password
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Head over to the credit card section
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Click on the ‘Check Your Balance’ option
You can use this method at any time to access your account details. Apart from this, you can initiate money transfer or even change your card PIN using the mobile app.
SMS
Many credit card issuers offer text and email alerts, keeping you updated on your account balance. Simply follow this process:
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Send an SMS to the required number as issued by the credit card company
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You get an alert on the registered mobile number as and when you initiate transactions using the card
ATM
Another option is to visit the nearest ATM of your card issuer to check the card balance. All you have to do is follow this process:
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Insert your card in the machine slot
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Follow the instructions mentioned on the screen
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Enter your PIN to verify your authenticity
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Choose the ‘Balance Enquiry’ option and get your card balance
Monthly Credit Card Statements
Most issuers send statements by mail on a monthly basis. You can get this at the end of every billing cycle in your mail or at your residential address via post. In most cases, these statements are password-protected so that only you can access them.
Your statement includes the following details:
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Payment due date
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Outstanding balance
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Minimum Amount Due
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Your name and address, etc.
Customer Care Team
Contact the customer service team and ask the executive for details, such as your card balance. The concerned representative will ask for an authentication PIN in order to verify your identity. This team is available 24/7 to address your queries related to the card.
Bank Branch
Visiting your bank branch is an option for those who prefer in-person interactions. Bank representatives can provide your current credit card balance and answer any questions you have about your account.
Mobile Wallet Apps
You can add your credit card to the UPI apps like Google Pay, Paytm, or Phone Pay. These wallets often show your current balance and recent transactions. Digital wallets can also help you manage your credit card usage and monitor your transactions.
The Unified Payments Interface (UPI) has transformed the way we make payments in India. If you’re wondering, ‘How to make UPI payments using a credit card,’ it’s simple. Just follow this process:
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How to Link Your Credit Card with UPI
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Open your preferred UPI app (such as Google Pay, PhonePe, or Paytm)
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Navigate to the payment methods area
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Add your payment card information
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Complete the verification process
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How to Make a UPI Payment
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Open the UPI app and choose ‘Pay’
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Enter the recipient’s UPI ID or scan their QR code
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Choose your credit card as the payment option
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Enter the amount to complete the transaction
To manage your finances well, it is important to keep track of your credit card balance. Using UPI for transactions makes things even easier and lets you check your credit card balance right away. You can do this through online banking, smartphone apps, SMS alerts, and customer service. Linking your credit card to UPI also helps ensure safe and simple payments.
If you plan to get a card that offers exciting rewards while allowing you to spend confidently, look no further, as the One Credit Card is here. You can manage your card using its powerful app, which simplifies credit card management. With this app, you can check your balance and make UPI payments all in one place. To fully leverage these benefits, apply now and enjoy a hassle-free credit card experience.