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How To Check Your Credit Card Statement

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Created on
May 12, 2023


What’s Inside

Credit Cards have become part of the mainstream means of payment today. They offer convenience, security, and enhanced purchasing power. However, with the increasing credit card use, it is essential to keep track of your spending and keep yourself within your financial means.

Your monthly credit card statement is an essential tool to help you do it. In this guide, we'll focus on how to get credit card statement and where you can conveniently receive it.

What Is a Credit Card Statement?

A credit card statement is a document issued by the card provider regularly every month. It includes a list of all the purchases, payments, interest charges, payment history, and transactions you made through your credit card for that period. It is also referred to as a CC statement.

How to Get Your Credit Card Statement?

You can get your credit card statement both online and offline.

  • Online: Typically, the credit card issuer sends the credit card statement to the customer's registered email ID every month, also known as the billing date. You can also access it by logging into your net banking portal. More on that later.
  • Offline: In the offline method, the bank sends the credit card statement to the customers at their address. If you are not tech-savvy, you can use this method by calling the customer care department or visiting the nearest branch. Financial institutions also tend to send the required links through SMS.

How to Check Credit Card Statement Online?

Via Email

You can opt for getting your credit card statement via email every month. The credit card issuer will send you a PDF document containing the updated invoice. The file is typically password-protected, and you can find the specific instructions within the email itself.

Via Netbanking

You can check your updated credit card statement online using the following procedure.

Step 1: Visit the credit card issuer's official website and log in with your internet banking id and password.

Step 2: Open the credit card section.

Step 3: Retrieve your latest credit card transaction statement by clicking on 'Statement.'

Step 4: You can download the credit card statement in PDF format.

Step 5: Enter the password to the PDF to check your credit card statement.


To sum up, checking your credit card statement is essential to managing your finances effectively. By understanding how to read and analyse your statement, you can maintain track of your spending and avoid unauthorised charges.

Moreover, if you are looking for a credit card that offers excellent rewards and benefits, then you can go with Fi. It has partnered with Federal Bank and has launched its 5% credit card that rewards you every time you spend. The card offers accelerated rewards of up to 5x whenever you spend on India's top 21 brands. You also get access to lounge facilities, low forex fees and several other benefits. Apply for a Fi credit card today!

Frequently Asked Questions

1. Does checking my credit card statement affect my credit score?

While the limit on your credit card can affect your credit score, it remains unchanged every time you request a statement. So, you can examine your credit limit as many times as you desire during the billing cycle.

2. How do I get my 6-month credit card statement?

Login to the credit card provider's official website using your banking credentials and navigate to the 'Statement' or 'Transactions' section. You can view or download the statement for the last six months from there. You can also request the same via email or a customer care number or visit the nearest branch.


Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.
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