How to Check HDFC Credit Card Balance

how to check hdfc bank credit card
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Keeping track of your HDFC credit card balance is essential for effective financial management. By checking it regularly, you can avoid late payment charges, control overspending, and quickly spot any fraudulent activity.

The most common and convenient way to check your HDFC credit card balance is through Net Banking. However, HDFC Bank provides multiple digital banking options to make the process easier and more secure:

  1. NetBanking – Get online access to your account for balance checks, fund transfers, bill payments, and investment management.
  2. Mobile Banking – Use the HDFC Bank Mobile App to check balances, transfer money, and make payments on the go.
  3. UPI Payments – With PayZapp and other UPI-enabled apps, you can easily send and receive money.
  4. WhatsApp Banking – Access mini statements, account details, and other services directly via WhatsApp.
  5. Chatbot EVA – Get instant 24/7 assistance for your banking queries from HDFC’s AI-powered chatbot.
  6. Digital Loans & Cards – Apply for loans or credit cards online with quick and hassle-free approvals.

Why You Should Check Your HDFC Credit Card Balance Regularly 

Regularly checking your HDFC credit card balance is an important habit for smart financial management. It not only keeps you informed but also helps you make better spending decisions.

  • Stay in control of spending – Checking your HDFC credit card balance regularly helps you stay in control of your spending.   
  • Avoid late payment fees – It keeps you from going over budget and from paying late fees.  
  • Track available credit – You can track your available credit limit and plan your expenses wisely.  
  • Detect unauthorized transactions – It also helps in detecting unauthorized transactions.
  • Maintain financial peace of mind – Regularly checks ensure effective financial management and peace of mind.

Methods to Check HDFC Credit Card Balance

HDFC Bank offers multiple convenient options to help you track your credit card balance anytime, ensuring easy access and better financial control. Here are the different methods you can use:

  • There are several ways to check your credit card balance, which guarantees accessibility and ease. HDFC Bank provides a number of methods for tracking your credit card balance, including SMS, internet banking, mobile apps and customer support. Below are the different options available:  
  • Net Banking- Check your available balance by logging into your HDFC NetBanking account, selecting the “Credit Cards” section.  
  • HDFC Mobile Banking App- Download and login into the HDFC Bank Mobile app to see your credit card details, including the balance. 
  • SMS Banking- Send an SMS to 5676712 with the format “CCBAL” from your registered mobile number. 
  • Missed Call Service- Give a missed call to 1800 270 3311 from your registered mobile number, and you’ll get an SMS with your balance details.  
  • HDFC WhatsApp Banking- To check your balance, save the number 7070022222, send a “Hello” message on WhatsApp, and then follow the instructions.  
  • ATM Inquiry- Visit an HDFC ATM, put your credit card in and choose the option to check your balance. 
  • Customer Care- Make a call to HDFC credit card customer service [1800 2600], confirm your details and ask for your balance.  

How to check HDFC Bank Credit Card Balance Using HDFC Net Banking 

Here’s a step-by-step guide to use HDFC Net Banking to check your HDFC Bank credit card balance.

Step-by-Step Process 

1. Login to HDFC Net Banking 

  • Enter your Customer ID/User ID and Password to log in. 

2. Navigate to the “Cards” section- After logging in, select the dashboard’s “Cards” tab. 

3. Select Your Credit Card  

  •  A list of all your HDFC credit cards will appear 
  • To view the balance for a particular credit card, click on it

4. View Balance & Available Limit:

  • This screen will show your available credit limit, total outstanding balance, and other information.

How to check HDFC Credit Card Balance Using the HDFC Mobile Banking App

Step 1: Download the HDFC Mobile Banking App 

Step 2: Register/Login to the App  

New Users:  

    • Open the app and select “Register” or “New user”. 
    • Enter your HDFC Customer ID or registered mobile number with the bank. 
    • Use the OTP that was issued to the registered mobile number for authentication. 
    • Set up your 4-digit PIN or use biometric authentication [fingerprint/Face ID] for future logins.  

Existing users:  

    • Simply login using your PIN, Password, or Biometrics. 

 Step 3: Navigate to Check Credit Card Balance 

  • Tap the “Cards” section on the home screen 
  • From the list, pick your HDFC credit card 
  • Your available balance, total credit limit, and due amount will be displayed 
  • Tap “View Transactions” to see a detailed history of recent transactions.

How to check HDFC Bank Credit Card Balance Using SMS/Missed Call Services 

To check your HDFC Bank credit card balance using SMS or missed call services, follow these steps:  

  • By SMS:  
    • Send “CCBAL<Last 4 digits of your credit card>” to 5676712. 
    • You will get an SMS with your credit card balance details. 
  1. By Missed Call:
    • Give a missed call to 1800 270 3311 on your registered mobile number. 
    • You will get an SMS with your credit card balance.

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