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What is a Credit Card Statement?

A credit card statement or CC statement is a billing document that contains information about your card such as payment history, interest charges, credit, etc. It is generated on a periodic basis (monthly) to help you track your expenses. The credit card monthly statement has data on every single transaction. It is important to keep a check on it to prevent affecting your finances negatively.

Here is everything you need to know about your credit card statement.

How to Check Credit Card Statement Online?

There are several ways to view credit card statements online. These are as follows:

1) Get Credit Card Online Statement on Email

If you register your email ID with the bank, and opt for a credit card e-statement facility, your bank will send a credit card bill statement via email, on every billing date. This will be in the form of a password-protected credit card statement pdf. To view the credit card statement, simply download it, enter the credit card statement pdf password, and view it.

2) Check Credit Card Bill Statement via Netbanking

  • Step 1: Log in to the bank’s credit card net banking portal with your credentials.’

  • Step 2: Go to the credit card section.

  • Step 3: Under ‘statement’ you will be able to see the latest credit card transaction statement.

  • Step 4: Download the credit card statement PDF.

  • Step 5: Enter the credit card statement password to access the billing details.

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How to Understand Your Credit Card Statement Better?

There are many terms you’d come across on your credit card bill statement that might confuse you initially. Here’s some help.

1) Total Outstanding Bill

The total outstanding bill amount on your credit card billing statement is a total of unpaid charges in the month. The total outstanding bill on your credit card monthly statement includes your purchases, payments, returns, EMIs, interest, old balance, and other charges.

2) Minimum Due Amount

You will find a minimum due amount when you view the credit card statement. It’s the minimum amount that you are liable to pay so as to avoid late payment charges. Usually, this amount would be 5% of your total outstanding balance.

3) Billing Cycle

When you check a credit card statement online or offline, the billing period would refer to the period of time between two bills. Billing periods can range from 20 to 45 days.

4) Interest-Free Period

The interest-free period mentioned in the statement would refer to the duration in which any amount used doesn’t attract interest. When you get a credit card statement, you’d generally find this to be the period between the first day of the billing cycle and the due date.

5) Transaction History

The credit card statement details all the credit and debit transactions made on the card during a particular billing period. Revisiting your transaction history is a great way of understanding your spending pattern.

6) Rewards and Rebates

When you view your credit card statement, you will find the rewards points summary mentioned at the end. It would include details such as opening balance, rewards earned, rewards adjusted, rewards disbursed and the closing balance. Ensure that you use your credit card reward points before they expire.

7) Past Dues

If there are any past dues on the credit card, it will be mentioned on the CC statement. The details of overlimit expenses, dues in the past one, two and three months, the current due, etc., will also be listed.

How is the Minimum Amount Due on Credit Card Calculated?

The minimum amount due is a small percent, usually 5%, of the monthly outstanding balance. To understand this, let’s take an example:


As on Date


Apparel Purchase

January 15, 2022


Grocery Purchase

January 20, 2022


Total Amount Due After Statement Generation

January 22, 2022


Minimum Amount Due (5% of Total Amount Due)

February 02, 2022



Do note, that if you opt for credit card balance transfer or opt for EMI functionality, etc., the instalments will get added to the minimum amount due each month till the end of the repayment tenure.

How to Download a CC Statement?

To download your credit card statement from the net banking portal of your credit card issuer, you would need to follow the steps mentioned below:

  • Step 1: Log in to your net banking account with your credentials.

  • Step 2: Go to the ‘Credit Cards’.

  • Step 3: Under ‘Statement’ you will see the latest credit card monthly statement.

  • Step 4: Download the credit card statement as a PDF on your device.

  • Step 5: Enter the credit card statement password to access the PDF file.

How to Check Credit Card Statements Offline?

The bank sends a credit card statement to your registered address if you opt for an offline statement. Alternatively, you can call credit card customer care and ask them to send you a copy of the monthly credit card statement.

These days, banks encourage customers to opt for a credit card e-statement. It is convenient and safe as it can only be accessed with the credit card statement password set by the bank. If you have opted for a physical statement, you can switch to a credit card e-statement as well.

How to Switch to Credit Card e-Statement?

To switch to credit card e-statement, you simply need to login to the credit card net banking portal, go to the ‘credit card’ section and click on the ‘request e-statement’. The bank will then send an SMS and email alert, at the end of the billing period, with your latest credit card statement PDF and password.

How to Manage Errors in a Credit Card Statement?

If you spot errors, such as incorrect amounts or transactions you did not make, you must immediately notify the bank. Here are the ways you can adopt to fix issues in your credit card statement:

1) Contact the bank

Call the bank on the credit card customer care number, send an email or visit the bank branch to notify the authorities about the error in your credit card statement.

2) Contact the merchant

In case of incorrect billing or the card being double swiped and debited twice, you can directly contact the merchant and request the mistake be rectified. If rectified, you would not need to involve the bank authorities.

3) Keep proofs handy

Your paperwork should be ready and updated to support your claim. You would need to submit the receipts or documents as records to prove that the credit card statement has an error.

Benefits of Credit Card Transaction Statement

There are several benefits of availing a credit card statement:

  • A CC statement helps you keep an account of all your credit spending.

  • Your credit card bill statement gives you regular credit card updates, free of cost.

  • You don’t have to visit the bank to get a summary of your credit spending, you can easily get a credit card online statement.

  • A credit card billing statement isn’t just for updates of your credit card bills. It also updates you about the latest services offered by the bank.

  • Your credit card billing statement can also help you to stay updated about rewards and Credit Card offers.

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FAQs on Credit Card Statement

✔️How do I get my Credit Card Statement?

You can check credit card e-statements from your netbanking account anytime and from anywhere. If you have registered your email ID you will also get your credit card statement by mail. 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 in 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 come?

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 there would be no new transactions 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 or visit your nearest bank branch and request for the same.

✔️What is the 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 is 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.