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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.

1. Get Your Credit Card Statement on Email

To get a credit card statement via email, you must start by registering your email ID with the card issuing company. You can log in to the net banking portal and register the email address to opt for the online credit card statement facility. 


After registering, you will receive the statement in your email on the billing date every month. In some cases, these statements can only be viewed by entering a password. The password-protected document ensures the security of your credit card information and other details.

2. Check Your Credit Card Statement via Netbanking

Another way to view your credit card statement is through the card issuer’s netbanking portal, where you can also instantly download the statements. Netbanking allows you to view your transaction details, dues dates, card limits, and other information. 


You can view your current and last credit card statements by logging into the net banking portal. Under the credit card section, you will find the ‘Statement’ or ‘Enquire’ option. Here you can view and download current and previous billing 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 netbanking.

  • Step 1: Go to the bank or credit card issuing company’s credit card netbanking portal

  • Step 2: Log in with your credentials.

  • Step 3: Navigate to the credit card section.

  • Step 4: Select the option under the ‘Statement’ tab to see your latest credit card transaction statement 

  • Step 5: Click on the ‘Download’ option to get the statement PDF

  • Step 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

To switch to credit card e-statement, you must opt for the service through the credit card netbanking portal. Once you log in on the portal, go to the ‘Credit Card’ section and click on the ‘Request e-Statement’. 


After the request is processed, you will get a regular e-statement in a password-protected PDF at the end of the billing period. The bank will send an SMS and email alert when your latest credit card statement is ready.

Understanding a Credit Card Statement

As a cardholder, you must always read through your credit card statement to handle your finances better. However, many individuals find it difficult to comprehend their card statement's various terms and sections. 


Here’s a few pointers to help you better understand the different terms used in a credit card statement.

1. Billing Cycle 

The billing cycle represents the period for which the credit card statement has been generated. Depending on the month, the length of the billing cycle can vary from 27 to 31 days.

2. Payment Due Date 

The payment due date is the deadline by which you must pay either the total amount outstanding or the minimum amount due. Payment beyond this date will lead to the bank levying a penalty in the form of a late fee.  

3. Total Dues or Current Outstanding Balance

The total due is the amount that you would have to pay to the card issuer on or before the payment due date. This amount includes the previous month’s unpaid outstanding amounts as well as the current month’s usage. 

4. Minimum Amount Due

You must pay this minimum amount within every billing cycle to keep the card active and avoid late payment fees. The minimum due amount is usually a percentage, around 5%, of the current outstanding balance. Paying only the minimum amount will cause you to lose the interest-free period. The remaining unpaid outstanding amount will start to accrue interest till the day you clear off all your dues. 

5. Credit Limit 

The credit limit is the maximum amount of money that you can use with a credit card. Card issuers take a host of different factors into consideration before granting a credit limit for your card. 

6. Transaction History 

This section of the credit card statement contains all the information related to the transactions that you’ve made during the billing cycle. It includes both debit and credit transactions. 

7. Rewards 

The rewards section of the credit card statement contains information relating to the change in the number of reward points during the billing cycle. This includes points at the start of the billing cycle, accumulated points, points redeemed and points at the end of the cycle.

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How is the Minimum Amount Due Calculated?

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


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 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


FAQs on 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.

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.

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

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

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.

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. 

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.

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.

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

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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