How to Check HDFC Credit Card Balance?

All self-employed and salaried individuals who tend to keep credit cards check their bank statements from time to time in order to plan their investments and their savings for the future. Previously, the only method that used to be convenient for people was to go to the bank and check their bank statements in person. However, with time, and the invention of newer technologies, banks have started offering different ways of checking your bank statement.

HDFC is one such bank that offers several ways that can be followed to check bank statements. If you are wondering how to check balance of HDFC credit card, we have got you covered. You can use multiple ways to check your credit card balance linked with the HDFC bank.

HDFC Credit Card Balance Toll-Free No

If you are wondering how to check HDFC credit card balance and looking for the easiest way, the toll-free number would be the perfect way for you to go. You primarily have two ways, and you can go for either of them.

1. The customer care toll-free number for the HDFC bank is 1800 425 4332. You can call to have a conversation with customer support, who can guide you and let you know your current credit card balance.
2. The second option you have is to send an SMS to 5676712. Type CCBAL with the last four digits of your credit card to know your current balance.

These are the easiest ways to check your credit card balance linked to the HDFC bank. Keep reading to know the other easy ways to follow to check your HDFC credit card balance.

Different Ways for HDFC Credit Card Balance Check

If you are an HDFC credit cardholder looking for solutions to how to check HDFC credit card balance, the most convenient methods are listed below:

• Netbanking can be used in order to check one’s HDFC credit balance easily. All you have to do to follow this method is to download the HDFC mobile banking app first by visiting their official website. The app is available for all kinds of smartphones. If you have an HDFC registered credit card, you can surely check your balance through this app using net banking.
• Open the app with your existing customer ID and Pin. Then go to the ‘credit cards’ section and put your credit card’s details. Be careful while putting the number for one single wrong digit hampers the whole procedure. While using the online banking method, you can also choose to change certain personal details linked to your bank account, like your name, address, phone number and other details.
• If you are someone who prefers methods that do not require the internet, go for the offline methods to check your HDFC credit card balance. You can either call their toll free number 1800 425 4332 or send an SMS CCBAL with the last four digits to 5676712 to know your HDFC credit balance easily. And if you want to know your current credit limit, SMS CCACL with the last four digits of your credit card number and send it to 5676712. Remember to send the SMS from your official registered number that is linked to your bank account to avoid any issue. Also, the messaging service is not free. The service might charge one rupee or two, based on your locality.
• If you prefer using offline methods, you can also give a missed call to 1800 270 3311, and it will send you all details regarding your current account balance.
• Using an ATM is also a feasible option for those who want to avoid the online options. Simply visit your nearest HDFC bank ATM. Use your usual pin number to check your credit card balance. If you live near an HDFC branch, do not hesitate to go and visit the branch for all kinds of balance queries related to your HDFC credit card.
• You can use the official HDFC app that is available to download for both android and IOS devices. Download the app and sign up to check your credit card balance. You will be asked to put your credit card details. Be careful while filling these areas to make sure the procedure happens without any error. This method is slightly more complex as compared to the SMS and calling method. However, it is still one of the most feasible methods that you can apply.
• As a first time user, you could consider visiting your nearest bank branch to enquire about your credit card balance.
• Another easy way to know your current credit card details can be by noticing your monthly credit card statements. HDFC provides the customers with the details of their credit cards details. 
• You can also subscribe for a hard copy which gives you a clear picture of the credit card balance progress. The most convenient way to get regular bank statements is to get them in your mail. They become easier for you to monitor as well. 

Monitoring these statements regularly will give you a detailed idea about your credit card balance in a regular manner. The major part is, this method does not cost anything, and you still get to know the details without any issue.

Significance of Regular HDFC Bank Credit Card Balance Check

If you have got an idea of how to check HDFC credit card balance, go ahead to learn why it is important to check your credit card balance and what exactly its significance is in your life. Whether you are a new user or an old one, you should never stop checking your credit card balance for several reasons.

The first and foremost significance of checking your credit card balance regularly is to know your current balance and how much you can spend in the current situation. Just knowing the balance can save you from being embarrassed at a shop or a restaurant if you happen to have a low balance.

Keeping your transactions under supervision is extremely important in today’s world. No illegal transaction or unethical transaction that might have happened via your credit card can be traced if you keep checking your card balance regularly.

Therefore, the major reason that you should keep in mind in this regard is ensuring safety. It lends you an idea about whether you have any transactions going on via your credit card that you are unaware of. If you find any such fraudulent transaction that might have happened without your awareness, report it to the bank and take the help of the police if needed.

Keeping an eye on your expenses and transactions is important. Keep track of your investments and savings, for it will help you in the long run.

If you do not check your credit card balance regularly, it might be difficult for you to plan and navigate how much you spend on shopping, holidaying, or other expenses. Check your balance, analyse and invest at your convenience. Even in an unexpected emergency situation, you can withdraw cash for hospital bills and other necessaries. In order to use your credit card for emergency purposes as well, you have to keep checking your balance regularly.

These are the major reasons why you should keep track of your credit card balance and never stop checking it if you want to avoid unethical fraudulent activities that may take place at times.

How to Read HDFC Credit Card Statement

The most convenient way of checking your card statement is to go through the monthly credit card statement that the HDFC card sends you. If you have already registered with the HDFC services, you probably get a credit card statement through your email every month. If you apply for a hard copy, it will be sent every month to your address as well.

Your credit card statement consists of all your transactions that have taken place via your card. Apart from that, it also consists of other information like the amount you paid during the last billing cycle, minimum amount due, outstanding balance, reward points, etc., accessing your credit card details and going through your transaction and other details do not cost you anything. It is a free service that you can use at any time.

Your statement is sent to you in a format using which you can directly download it as a pdf on your device. It is a convenient method and gives you a proper detailed vision of your entire credit card transactions. You also have the option to archive your credit card statement if you do not wish to show it to anybody else.

You can physically collect the statement as well. Visit your nearest HDFC bank ATM or probably a bank branch, and the staff members will guide you to access your credit card details.

Here are some HDFC Credit Card:

FAQs

✅What is the easiest method to check HDFC credit card balance?

Ans: More or less, all the options are quite feasible when it comes to checking your credit card balance. However, checking the details from the card statements every month from your mail seems to be the most convenient one since you do not have to physically be present to collect them.

✅How can I get a credit card balance refund?

Ans: A balance refund refers to the amount of money the credit company owes you. This only happens if you happen to pay more than you owe the credit card user.

✅How long does it take for a credit card balance refund to take place?

Ans: Usually, seven days are estimated when it comes to receiving the balance refund. However, it may take up to 10 business days at times, depending on several factors.

✅Should I overpay my credit card balance to increase my credit card limit?

Ans: If you overpay, the company owes you an extra amount. Your credit limit, however, has no chance to increase in the meanwhile.

✅Is checking credit card balance using the SMS method easier compared to other methods?

Ans: Yes, it is more convenient since you can do it at any given moment and do not have to go anywhere for it.

✅How do I know the minimum balance of my HDFC credit card?

Ans: If you have a regular savings account, you will be required to keep a minimum of 10,000 INR to avoid regular penalty charges. However, in the semi-urban branches, the lower limit tends to be around 5000 INR.

✅Can I apply for an HDFC credit card if I do not have any other credit card?

Ans: Yes. Even if you do not have a credit card linked to any other bank, you can certainly apply and get your HDFC credit card.