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A credit card statement is a periodically issued billing document comprising all the details of your credit card and the transactions made during the billing cycle. To get your  credit card statement, you can place a request online, or visit the issuer’s physical branch and get it.

How to Check Your Credit Card Statement

Following are the different ways to view credit card statements online.

  • Get Your Credit Card Statement by Email

  1. Log into your net banking account and register your email address online

  2. Opt for the online credit card statement facility

  3. Enter the code set for viewing your password-protected statement

  • Check Your Credit Card Statement via Netbanking

  1. Log into the net banking portal

  2. Click on the ‘Statement’ or ‘Enquire’ options under ‘Credit Cards’

  3. Download recent and previous statements

How to Download a Credit Card Statement

Here is the step-by-step guide to locate and download the statement through the credit card net banking:

  1. Go to the bank or credit card issuing company’s credit card net banking portal

  2. Log in with your credentials

  3. Navigate to the credit card section

  4. Select the option under the ‘Statement’ tab to view your latest credit card transaction statement 

  5. Click on the ‘Download’ option to get the statement PDF

  6. Go to the downloaded PDF and enter the credit card statement password to get the billing-related information

How to Switch to Credit Card e-Statement

Here’s how you can switch to receiving soft copies of your statement:

  1. Log into your netbanking account

  2. Go to the ‘Credit Card’ section

  3. Click on ‘Request e-Statement’


This way, you will receive a pass-protected document at the end of every billing cycle. Every time your e-statement is ready, you will receive an alert via SMS or email.

How is the Minimum Amount Due Calculated?

The minimum due amount is typically calculated at 5% of the total amount withdrawn from the credit card. 


Let’s take an example to understand how the minimum due amount is calculated. Consider that the bank generates the statement on the 25th of the month.


If the payment due date is the 5th of every month. Here is how the minimum due amount will be calculated for credit transactions of ₹5000, ₹2000, and ₹6000.


Date of Transaction 



15th July 


No interest or late payment fee applies 

20th July


No interest or late payment fee applies

24th July


No interest or late payment fee applies

25th July


Credit card statement generates for ₹13,000, with ₹650 minimum due payment amount

5th August


After the minimum due amount of ₹650 is paid, the outstanding ₹12,350 will incur interest as per the lenders’ rate, if left unpaid after the grace period

Imagine your credit card is like a small loan from the bank. Every time you buy something, it's like borrowing more money from them. The total amount you borrowed is called the "outstanding balance."


Now, the bank doesn't expect you to pay back everything at once. They'll let you keep making small monthly payments, which is the minimum due amount. 


In this example, the bank sets the minimum due amount at 5% of the total amount you borrowed (the outstanding balance). So, if you spent a total of ₹13,000 on your card, the minimum due amount would be 5% of that, which is ₹650.


Here's the key point: This minimum due amount is calculated based on the outstanding balance on the day the statement is generated (25th July in this case). So, any purchases you make after that date won't be considered until the next statement.


So, remember:


Pay at least the minimum due amount by the payment due date (5th August) to avoid late fees.

The remaining balance (₹12,350 in this case) will start accruing interest if you don't pay it off before the grace period ends.

Frequently Asked Questions

How do I get my credit card statement?

You can check credit card e-statements on your credit card netbanking portal anytime. However, you must have registered your email ID and opted for the green statement to get your credit card statement by email. If you want a physical statement, you can request one by calling customer care or by visiting your nearest bank branch.

How do I check my credit card balance?

Your credit card balance will be mentioned under the ‘Account Summary’ section of your credit card statement. You can also use SMS banking or mobile banking to know your check credit card balance instantly.

What is listed on the credit card statement?

Your credit card statement lists your payment due date, minimum amount due, credit limit, current outstanding balance, billing cycle, transaction history, rewards, and rebates.

When will my credit card statement be generated?

Credit card statements are generated on a monthly basis at the end of every billing cycle.

Will I receive a credit card statement if my credit card is closed?

If you have opted for credit card cancellation, you will not receive a credit card statement as no new transactions were made on your card.

What if I do not receive my credit card statement?

If you do not receive your credit card statement, you can call or email the credit card customer care of your bank. You can also go to your nearest bank branch and request the same. 

What is a credit card statement password?

The credit card statement password is a set format offered by the bank to access the document. The details of the password are mentioned in the email you receive. You simply need to follow the instructions to access your credit card statement. Password protection ensures that only you can access the file.

How many times can a cardholder receive their credit card statement?

Most cardholders usually get a credit card statement each month. However, there are a few card issuers that also offer daily, weekly, and yearly credit card statements.

Do I have to pay for a hard copy of my credit card statement?

No. Card issuers don’t charge a fee to provide you with a hard copy of your credit card statement.

Do I have to pay to get a copy of my credit card statement?

No. Credit card statements are issued free of cost by the lender. It is an essential and standard service offered by lenders to all credit card users.

Do e-mail credit card statements have a time period?

Credit card online statements follow the same billing cycle as your regular statement. In other words, your due date remains the same. Usually, due dates are 15-25 days away from the statement date.

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