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Credit card balance: What is it and how can you check it?

  • Highlights

  • Credit card balance is the amount you owe the issuer

  • How to check Credit Card Balance?

  • Visit the issuer’s branch to check the balance in person

  • Use the RBL MyCard App to check your SuperCard balance

Credit cards are a form of revolving credit because when you clear your outstanding dues, your credit limit is replenished. A key parameter that you need to know of when managing your credit limit is your credit card balance. Whether you have purchases or repayment on your mind, knowing your balance will help you make the right financial decision. Read on to know more about a credit card’s balance and how to check it.

What is a credit card’s balance?

Irrespective of whether you are using a store credit card, an international credit card, or student credit card, you should be aware of the card’s balance. Generally, it refers to the amount that you owe your issuer. This, clubbed with the amount available to you gives you your credit limit. So, if your credit limit is Rs.50,000 and the amount available to spend is Rs.42,000, your credit card balance is Rs.8,000.

How to check credit card balance?

There are several ways to check your credit card balance.

  • ATM

  • Net Banking

  • Issuer’s Branch

  • Monthly Statement

  • SMS

  • Mobile App

  • Customer Care

Check Credit Card Balance using ATM

Visit your nearest ATM, insert your credit card in the machine and select the option that lets you know your credit card account balance. Enter your PIN to authenticate your request.

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Check Credit Card Balance using Net banking

Visit your issuer’s website and log into your credit card account using your customer ID and password. Then, navigate to the section that displays your credit card statement and balance. Choose the credit card number in case you have multiple cards from the same credit card company. This way, in just a click you can check your credit card balance online through a desktop, laptop, smartphone or tablet.

Additional Read: What is CVV?

Check Credit Card Balance using Issuer’s Branch

If this is your first credit card and you want to be extra cautious, visit your credit card company’s branch to check your credit card balance. However, remember to carry your credit card with you or at least the credit card number and identity proof when you visit the branch.

Check Credit Card Balance using Monthly Statement

Usually, credit card statements are sent via post and email. Subscribe for mail if you prefer a hard copy, or access your virtual credit card statement by entering the password. Most often, the password will be a combination of your date of birth and the first few letters of your name.

Check Credit Card Balance using SMS

Beware of fake credit card messages notifying you of your balance. Note that only if you sign up for SMS alerts will you be notified about your balance each time you make a transaction. Also, you can also make a credit card balance inquiry by messaging the appropriate code to the number that your issuer has set for this service.

Check Credit Card Balance using Mobile App

Today, almost all credit card companies have a designated credit card app. Here you can check your credit card balance anytime you want. Moreover, you can access and download your statement to understand your credit usage too.

Check Credit Card Balance using Customer Care

You can know your credit card balance by calling your issuer’s customer care number. You can obtain balance details by talking to a representative, or through the IVR guide.

The advantages of a credit card are many, but it’s important to be aware of your credit card balance to keep spending in check. So enquire about the various ways in which your issuer allows you to do this when you apply.

For instance, the Bajaj Finserv RBL Bank SuperCard lets you check your credit card balance easily via the RBL MyCard App. You can also monitor your balance through Bajaj Finserv’s customer portal, Experia. Once you know your balance you can make payments through the RBL MyCard App, Bill Desk, NEFT, NACH facility, or through a cheque. In case you suspect a fraudulent transaction, you can report it through the MyCard App and benefit from zero-fraud liability cover too.

Moreover, this 4-in-1 credit card gives you access to a wide range of deals and offers that maximise savings. Also, it offers interest-free cash withdrawals at ATMs for up to 50 days, a 90-day, interest-free loan and the option to pay for purchases over Rs.3,000 in instalments.

To enjoy these features and avail this credit card simply, check your pre-approved credit card offer from Bajaj Finserv. Single-step verification and customised deals will give you express approval.

Additional Read: kisan Credit Card

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