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How to Check Citi Credit Card Balance 

The credit limit available to be spent for transactions on a credit card is known as the balance. Typically, it is the difference between the card's credit limit and the outstanding balance, which would be the amount that has already been charged to the card. Knowing your credit card's available balance is crucial for responsible use, preventing overspending, and avoiding overlimit fees.

Checking your Citi credit card balance can be done in multiple ways. You can use any of the available services to check your Citi credit balance at any time, which will allow you to budget your credit card spending effectively.

Citibank allows you to check your Citi credit card balance any time you want and from anywhere. Depending on your preference, you can place a request for your Citi credit card balance inquiry online or offline. The SMS number and customer care helplines you can contact are:

  • Type “CARDBAL” and send SMS to 52484 or +91 98807 52484

  • Call Citi Customer Care at 1860 210 2484 (for Indian residents) and +91 22 4955 2484 (for residents outside India)

There are 2 ways to check your Citi Credit Card Balance:

1. Online Methods to Check Your Citi Credit Card Balance:

  • Citibank Netbanking Portal

  • Citibank Mobile App

2. Offline Methods to Check Your Citi Credit Card Balance

  • Citi credit card SMS

  • Citi credit card customer care

  • Citibank ATM

  • Citibank Branch Visit

Let us understand these methods in detail:

Ways to Check Citi Credit Card Balance Online

1. Via Citibank Netbanking Portal

By registering to the Citibank credit card netbanking, you can easily check your credit card’s available and outstanding balance. Just follow the steps mentioned below:

  • Log into your Citibank net banking account.

  • Go to the ‘Credit Card’ tab.

  • Click on ‘View Account Summary’ and check your credit card balance.

You can also use the e-statement facility available through internet banking to get a report with all your transaction details as well as check your available account balance. Your credit card statement is generated monthly and can be sent to your registered email address.

2. Citibank Mobile App

The Citi Mobile App can be used to get easy and quick access to credit card related information, including your credit card balance, from your phone. The service is available anytime and anywhere. You simply need to download the app from the App Store or the Play Store. Once downloaded, register for Citibank Mobile Banking. You can follow these steps after registration:

  • Login to Citi Mobile App.

  • Go to the accounts summary page.

  • Click on ‘Credit card’.

Your total outstanding balance, minimum amount due, and other details, along with the payment due date, will be displayed on the screen.

Ways to Check Citi Credit Card Balance Offline

1. Via Citi Credit Card SMS Banking

You can check your Citi credit card balance by SMS as well. Just type “CARDBAL” followed by space and the last four digits of your credit card number and send an SMS to 52484 or 98807 52484. If you want to receive alerts, you can do so by visiting the nearest Citibank branch and getting your registered mobile number updated by submitting a duly filled and signed request form.

2. Via Citi Credit Card Customer Care

You can also check Citi credit card balance by calling the Citibank credit card customer care team on 1860 210 2484 (for callers from across India) or +91 22 4955 2484 (for callers from outside India) from your registered mobile number. Once you are connected, a customer care representative will take your request and provide you with details regarding your balance post verification.

3. Via Citibank ATM

If you are wondering how to check your Citi credit card balance offline from an ATM, the process is simple. All you need to do is visit the nearest Citibank ATM, insert your credit card, select ‘Account Summary’ and enter your four-digit Citi credit card PIN. Once validated, your available account balance will be displayed on the ATM screen.

4. Via Branch Visit

You could also visit the nearest Citibank branch and ask a bank representative to help you with the information regarding the balance on your Citi credit card.

5. Via Passbook

The simplest approach to checking  your Citi credit card balance offline would be to stop by a Citibank branch and have your passbook updated. Each customer registering a bank account with Citibank receives a passbook. You can check the balance of your Citibank accounts by following the steps given below:

  • Step 1: Visit the local bank branch.
  • Step 2: Update your passbooks. 

The complete details of each debit and credit transaction you have done are present in a detailed manner in the Citibank passbook.

6. Via ATM 

You can check your Citi card balance at an ATM. Here's how to use an ATM card to check Citi credit card balance:

  • Step 1: Insert the ATM card from CitiBank.
  • Step 2: Choose "Balance Enquiry" from the menu.
  • Step 3: The balance is shown on the screen after selecting.

Importance of Checking Citi Card Balance

By doing a regular Citi credit card balance check, you can:

  • Plan your monthly budget

  • Prevent interest charges and penalties from piling up by clearing your minimum dues on time

  • Be aware of your available credit card limit and avoid going overboard with your spending

  • Get an idea about your spending pattern

  • Check and prevent any credit card fraud

FAQs on Citi Credit Card Balance Check

✔️How to check Citi credit card balance by giving a missed call?

There is no Citibank missed call balance service for balance check. You can either send an SMS to 52484 or 98807 52484, with the text “CARDBAL” followed by space and the last four digits of your credit card number. Alternatively, you can call the CitiPhone Banking helpline on 1860 210 2484 (for callers from across India) or +91 22 4955 2484 (for callers from outside India) from your registered mobile number.

✔️How do I check my Citi credit card balance?

You can check your Citi credit card balance through an online or an offline mode. You can log in to net banking and view your account summary. You can do the same via the Citi Mobile App. You can also get in touch with the bank via customer care, SMS or also via a Citibank ATM.

✔️What is the citibank balance enquiry number?

If you have any questions about Citi credit cards, including any on Citi credit card balance check, you can contact the bank at 1860 210 2484.

✔️How to make a Citi credit card balance enquiry online?

Prior to using net banking, you must first register your credit card to check Citi credit card balance online. In case you are an existing customer, your credit card would be automatically associated with your account.

✔️Can ATM cards be used to check account balance?

Yes, you can use your ATM cards to check Citi credit card balance offline. 

✔️How do I check Citibank balance through mobile?

You must first install the Citibank mobile app. After that, sign in with your credentials. You can select the Citi credit card for which you would like to check the balance after logging in. You may alternatively check your Citibank balance via SMS.