How to Check Credit Card Balance: 5 Easy Methods

A credit card makes spending a whole lot easier―from your everyday purchases to lifestyle pursuits. It’s even much safer, as you don’t have to bring wads of cash with you whenever you go out.

But keep in mind that your credit also runs out unless you pay your credit card debts immediately. As a responsible credit card user, you should know how the balance of your card works and how to check credit card balance, billing statements, and transaction history.

What is a Credit Card Balance?

A credit card balance is the total amount of money that you owe to the bank that issued your card. The balance gets higher each time you spend using your credit card. So it follows that when you pay your credit card provider, the balance also decreases.

How Can I Check My Credit Card Balance?

Checking your credit card balance not only lets you know how much you owe to the bank. It also allows you to detect any unauthorized transaction and discrepancy, so you can report it and file a dispute with the bank.

Usually, the bank sends printed statements of account every month. But if you’re asking how to check credit card balance much more easily, we’ve listed five paperless ways to consider.

Here are the step-by-step instructions to access your credit card balance if you have a credit card with AUB, BPI, Citibank*, or HSBC, just to name a few.

*Note: This service is provided by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

1. Online Banking

All major credit card issuers in the Philippines provide credit cardholders easy access to their statement of account through their online banking services.

If you want to know how to check your credit card balance online, you need to enroll your card in the issuing bank's online banking facility first. Once you've set up an online account for your credit card, you can use that to track your balance, transaction history, and other account details. You can even view, download, and print your monthly billing statements in just a few clicks.

How to Check Credit Card Balance via AUB Online Banking

1. Go to the AUB Credit Cards Online Banking site.^[1]
2. Enter your user ID and password to log in to your online account.
3. Click the e-SOA on the top left portion of the screen.
4. Select the statement period you want to view.

How to Check Credit Card Balance via BPI Online

1. Go to the BPI Online login site.^[2]
2. Enter your username and password to log in to your online account.
3. Select My Accounts > Credit Cards.
4. Click on a BPI credit card on the dashboard to see your balance and transaction history.
5. To view your account statement, click the My Statements button on the top of the dashboard.

How to Check Credit Card Balance via Citibank Online 

1. Go to the Citibank Online site.^[3]
2. Enter your username and password to log in to your online account.
3. Click Download Recent Statements found on the right side of the screen.
4. Enter your one-time PIN.
5. Select the year and date of the statement you wish to view.
6. Download to view your statement of account.

Note: This service is provided by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

How to Check Credit Card Balance via HSBC Online Banking

1. Go to the HSBC site.^[4]
2. Enter your user ID and password to log in to your online account.
3. Once logged in, you’ll see your credit accounts on the left side.
4. Click on the credit card you want to check. You’ll see the card details on the right side of the screen, such as the limit, available credit, and current balance.

Credit Card	Features and Benefits
Citi Simplicity+ Card	Monthly income requirement: PHP 20,833 No annual fees forever! No late payment fees No overlimit fees Get 10% interest back when you pay at least the minimum due Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
Shell Citi Card	Monthly income requirement: PHP 20,833 5% rebate on Shell fuel purchases 5% rebate on Autosweep and Easytrip RFID reloads 5% rebate on car repairs and accessories nationwide Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
HSBC Gold Visa Cash Back	Monthly income requirement: PHP 16,667 5% cash back on dining transactions 0.50% cash back on all other purchases
Metrobank Toyota Mastercard	Monthly income requirement: PHP 29,167 Get 2x rewards points for every PHP 20 spend at Toyota 3% rebate on fuel purchases at participating Petron stations 10% discount on accessories, parts, and labor at all Toyota dealers
RCBC Phoenix Mastercard	Monthly income requirement: PHP 19,167 Instant welcome gift of PHP 500 worth of fuel 5% rebate on Phoenix fuel purchases Get up to three free towing and emergency assistance per year
AUB Classic Mastercard	Monthly income requirement: PHP 21,000 No annual fees forever! No interest on new purchases Choose how much you want to pay every month

How to Check Credit Card Balance via Metrobank Online Banking

1. Go to the Metrobank Online site.^[5]
2. Enter your username and password to log in to your online account.
3. Click on “Credit Cards” on the left side of the dashboard to view your Metrobank credit card balance and transaction history.

See also: Metrobank Credit Cards

How to Check Credit Card Balance via PNB Online Banking

1. Go to the PNB Internet Banking facility.^[6]
2. Enter your user ID and password to log in to your online account.
3. Your account balances will be instantly displayed after you’ve logged in.
4. Select a specific account to view your card’s outstanding balance, available limit, statement, and payment details.
5. To check your transaction history, click on “Transaction Receipts” at the left menu.

How to Check Credit Card Balance via RCBC Bankard Online

1. Go to the RCBC Bankard Online site.^[7]
2. Enter your username and password to log in to your online account.
3. Once you’re logged in, you’ll see right away your registered credit card, its current balance, due date, available limit, and credit limit.
4. To check your statements, click on “View Statement of Account.”

How to Check Credit Card Balance via Security Bank Online Banking

1. Go to the Security Bank Online.^[8]
2. Enter your user ID and password to log in to your online account.
3. Under "Credit Cards Overview" on the dashboard, click on your credit card account number.
4. You'll be taken to a page that shows your card balance and transaction history.
5. To view your statement, choose your card's currency and the billing period (month and year) and click the Download button.

How to Check Credit Card Balance via UnionBank Online Banking

1. Go to the UnionBank site.^[9]
2. Enter your user ID and password to log in to your online account.
3. The dashboard should show your credit card account together with your other accounts. Click your preferred account to see more details.

2. Mobile Banking App

Always on the go? You can monitor your credit card balance right on your smartphone if you already have an online banking account with the issuing bank. Just download the credit card provider's mobile banking app, open it, and log in using your online banking username and password.

How to Check Credit Card Balance via AUB Mobile Banking

1. Open the AUB app.
2. Enter your login credentials to access the dashboard.
3. Once you access the dashboard, click the Credit Cards icon.
4. You’ll then see your card details, current balance, and unbilled transaction.

How to Check Credit Card Balance via BPI Mobile Banking

1. Open the BPI app.
2. Enter your login credentials to access the dashboard.
3. Go to Other Services.
4. Select an account and its statement date, then tap Download.

How to Check Credit Card Balance via Citibank Mobile App

1. Open the Citi Mobile App and enter your password to log in to your account.
2. Tap the Profile & Settings icon next to your account name.
3. Select "e-Statement."
4. You'll receive a text message from Citi PH with an OTP. Enter the six-digit OTP on the app. Tap the Continue button.
5. Select the particular Citi credit card you want to check the balance.
6. Select the period you wish to see (month and year). Then tap "Done" to view your Citi credit card e-statement. The Total Amount Due is your balance for that billing cycle.

Note: This service is provided by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

How to Check Credit Card Balance via Metrobank Mobile Banking

1. Open the Metrobank app.
2. Enter your login credentials to access the dashboard.
3. On the dashboard, you’ll see the icon of your credit card (if already enrolled).
4. Tap the credit card icon. Then, tap History to see your available credit, credit limit, and due dates.

How to Check Credit Card Balance via RCBC Mobile Banking

1. Open the RCBC Online Banking app.
2. Enter your login credentials to access the dashboard.
3. Go to Statement of Account to check your latest and previous statements.

How to Check Credit Card Balance via Security Bank Mobile Banking

1. Open the Security Bank app.
2. Enter your login credentials to access the dashboard.
3. On the dashboard, you’ll see your registered credit card and its details, such as total dues and cash advance.

How to Check Credit Card Balance via UnionBank Mobile Banking

1. Open the UnionBank app.
2. Enter your login credentials to access the dashboard.
3. If your credit card is already enrolled, you’ll see it and its outstanding balance on the dashboard right away.
4. Tap the credit account you want to check. This should lead you to another page that shows the credit limit, available credit, and points.

How to Check Credit Card Balance via PNB Mobile Banking

1. Open the PNB Mobile Banking app.
2. Enter your login credentials to access the dashboard.
3. Your credit card account balance shall be instantly displayed after you’ve logged in.
4. Select a specific account to view more details.

3. eStatement via Email

Do you prefer to receive your credit card billing statements straight to your email inbox? That's possible if you have an HSBC, Metrobank, RCBC, Robinsons Bank, or Security Bank credit card. Your card provider can send your monthly statement of account as a password-protected PDF file to your registered email address.

E-statements look similar to the printed version. They can also be viewed, downloaded, and printed. To receive your credit card billing statements via email, you need to enroll your email address with the issuing bank. It involves filling out and submitting an online registration form, which can be done in just a few minutes.

How to Enroll for e-Statement via Email Service

• AUB: Register via online banking. Other than receiving email alerts, you can also view the e-Statement via your online account, as the statement launches as a PDF file.
• BPI: Log in to your BPI Online account. Go to Other Services > Credit Card Services > Statement of Account. Then, choose the option that starts with "I prefer to view my credit card statement of account via BPI Express Online.”
• Citibank: Go to your online account’s e-Statements and e-Advice section. Then register the email address that will receive the e-Statement. If you have already registered two email addresses, choose which of them will receive the statement. (Note: This service is provided by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.)
• HSBC: Fill out the e-Statement registration form.
• Metrobank: Call the Metrobank credit card hotline at (02) 88-700-700, press 1 when prompted, and follow the instructions.
• RCBC Bankard: Fill out the e-Statement via the bank’s email service enrollment form.
• Security Bank: Go to the Credit Card Services page, click the Enrollment of ESOA icon, and fill out the form.
• UnionBank: Call the bank’s 24-hour customer service team at (+632) 8841-8600. You may also send them an email at customer.service@unionbankph.com.
• PNB: You may contact the bank’s 24-hour customer service team at (02) 8818-9818. To update your email address, fill out a Cardholder Request Form and send an email to pnbcreditcards@pnb.com.ph.

4. Text Message

Even when you don't have internet access, you can check your balance via SMS. But before you use the issuing bank's credit card balance inquiry via SMS facility, make sure that your registered mobile number is updated. Call the bank's customer service hotline to verify if your number on the bank's records is correct.

How to Check AUB Credit Card Balance via SMS

AUB doesn’t send printed SOAs, so you’ll receive your statement of account via SMS once your number is registered with the bank.

How to Check BPI Credit Card Balance via SMS

1. Type BALCC<space><credit card number> (Example: BALCC 1234567890123456).
2. Send to 2274 (for Globe and TM subscribers only).

How to Check Citibank Credit Card Balance via SMS

1. Log in to your Citibank account online.
2. Go to Services > Profile & Settings > Citi Alerts.
3. Tap Manage Alerts.

Note: This service is provided by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

How to Check HSBC Credit Card Balance via SMS

To get SMS alerts on your account balance limit, log in first to your online banking account. Then click the drop-down next to your name on the top menu. After that, click Notification Settings.

How to Check Metrobank Credit Card Balance via SMS

1. For available balance: Type AVAIL<space><credit card number> (Example: AVAIL 1234567891234567) and send to 225622.
2. For outstanding balance: Type OBAL<space><credit card number> (Example: OBAL 1234567891234567) and send to 225622.
3. For statement balance: Type SBAL<space><credit card number> (Example: SBAL 1234567891234567) and send to 225622.

How to Check RCBC Credit Card Balance via SMS

1. Type RCBCBANKARD<space>BAL<space><first four and last four digits of your credit card number> (Example: RCBCBANKARD BAL 12343456)
2. Send to 09191600402.

How to Check Security Bank Credit Card Balance via SMS

1. Type SB<space>OB<space><last four digits of your credit card number> (Example: SB OB 0709)
2. Send to 2086 (Globe and TM) or 4629 (Smart and TNT).

5. Phone Banking

Another way to know your credit card balance without using the internet is by calling your provider. Banks like BPI and China Bank allow their customers to inquire about credit card balances through their phone banking service.

If your credit card provider offers this service, check the back of your card to find its customer service hotline. Call that number up and follow the voice prompts to hear your credit card balance.

How to Check AUB Credit Card Balance via Phone Banking

You may contact the bank for questions and inquiries regarding your statement of account via the following numbers:

• Metro Manila: (02) 8-282 8888
• Domestic Toll-Free: 1-800-10-282-8888 

How to Check BPI Credit Card Balance via Phone Banking

You may use BPI’s phone banking services by calling the following numbers:

• Metro Manila: (02) 889-10000
• Domestic Toll-Free: 1-800-188-89-100
• Mobile Phone: (02) 889-10000

How to Check Citi Credit Card Balance via Phone Banking

To use Citibank’s CitiPhone Banking services, you may contact the following numbers:

• Metro Manila: 8995-9999
• Metro Cebu: 234-9999
• Rest of the country: 02-8995-9999

When using CitiPhone Banking services, ready your 16-digit credit card or your registered mobile phone so you’ll receive a six-digit one-time PIN (OTP). Input these digits when prompted and follow the voice instructions.

Note: This service is provided by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

How to Check HSBC Credit Card Balance via Phone Banking

Just contact the following numbers:

• Metro Manila: (02) 8858-0000
• Domestic Toll-Free: 1-800-1-888-8555

To use HSBC’s phone banking services, create a PIN first. Here’s how you can create a PIN:

• Call phone banking.
• Input your account number or credit card number followed by the hash key (#).
• Enter # again.
• Press 1 to reset your phone banking PIN and follow the voice instructions.

How to Check Metrobank Credit Card Balance via Phone Banking

Call the customer service hotline at (02) 88-700-700, press 1 when prompted, and follow the instructions.

How to Check PNB Credit Card Balance via Phone Banking

You may contact the following numbers:

• General: (02) 8818-9818
• Domestic Toll-Free: 1-800-10-818-9818

How to Check RCBC Credit Card Balance via Phone Banking

RCBC encourages clients to check their balance online. But you may still contact the bank if you have credit card-related inquiries. Just get in touch with the RCBC Bankard’s customer service team at (02) 8888-1888.

How to Check Security Bank Credit Card Balance via Phone Banking

You may contact the following numbers to address your credit card-related inquiries:

• General: (02) 8887-9188
• Domestic Toll-Free: 1-800-1888-1250

How to Check UnionBank Credit Card Balance via Phone Banking

For credit card related-inquiries, you may contact the following numbers:

• Metro Manila: (02) 8841-8600
• Domestic Toll-Free: 1-800-1888-2277

Final Thoughts

Take advantage of these different ways to check your credit card balance, whichever of them is made available by your card issuer. These are the ideal ways to check your credit card usage not only because of the convenience but also because of the safety they offer. You don't have to obtain printed copies of your statements, which have been handled by different people. Thus, you'll reduce your risk of COVID-19 exposure.

Sources:

• ^[1] AUB Credit Cards Online Banking
• ^[2] BPI Online
• ^[3] Citibank Online
• ^[4] HSBC Online Banking
• ^[5] Metrobank Online
• ^[6] PNB Internet Banking
• ^[7] RCBC Bankard Online
• ^[8] Security Bank Online
• ^[9] UnionBank Online