How to Check Canara Bank Credit Card Balance (5 Ways)

The Canara Bank credit card is an excellent way to keep track of your spending and manage your debt. It’s also a great way to earn rewards on everyday purchases through the Canara Bank reward program.

But if you’re not paying attention to the value of what you spend, it can be easy to overspend without even realizing it! Fortunately, checking your balance online via the Canara Bank Net banking or app is simple once you know where to look. In this guide we’ll show you how:

What is a Credit Card balance

Your credit card balance is the total amount of money you have borrowed on your card. In other words, it’s the total amount you owe to your bank.

Your credit card balance is the money that’s available on your card at any given moment. It includes:

  • The maximum limit for which you are allowed to spend through your account; and
  • Any amounts spent above this limit by either exceeding the preset spending limits or making purchases not included in these limits (e.g., cash withdrawals).

Why Credit card balance is important

The card balance is important because it helps you keep track of how much money is left on your credit card account. This information will help you avoid spending more than you have available, which could result in high-interest charges or the suspension of your card.

Your bank may also use the credit limit on your card as a way to determine whether or not they want to give out loans and mortgages in the future.

If there isn’t enough available money on the account, then it can be difficult for banks to make an informed decision about whether or not they should offer a loan based on financial history.

Why do we need to check regularly?

It is advisable to keep a check on your credit card balance to avoid any of the following situations:

Overdraft charges

If you fail to withdraw money from your account before the same expires, then you will be charged an overdraft fee by the bank. This could go up to Rs 100 to 500 per month.

Avoid this by keeping track of how much money is left in your account and making sure that there’s enough balance when you need it most.

Late payment charges

All banks charge late payment fees if they’re unable to process payments on time because of insufficient funds in one’s account (not necessarily due to one’s fault).

The amount varies from bank to bank so it’s important that you know what kind of penalties apply before making a purchase or withdrawing money from an ATM machine.

Check your card balance online via the Canara Bank net banking

To check your card balance online via the Canara Bank net banking, you will need to login into net banking and then follow the steps below:

  • Visit Canara bank homepage
  • Click on “Net Banking” – Login to it. ( simple steps to Register Net Banking )
  • Choose ‘Cards.’ It will appear in the header.
  • Move your mouse over ‘Credit Cards’ and click it.
  • Choose the credit card for which you want to check your credit card balance.
  • Now your balance will be displayed on the screen.

You also see a list of all your existing credit cards with details such as outstanding balance and payment date history and more.

Check your card balance online via the Canara Bank app

  • From the Play Store or App Store, get the Canara Saathi app.
  • Log in to the app with your bank credentials (user ID and password).
  • On the main dashboard, you see your card.
  • Your whole Card information will be shown on the display such as balance and more.

By Calling on Toll-Free Number

You can call this number and check your credit card balance by following these simple steps:

  • 1800-425-0018 (toll-free)
  • 080-25318423
  • 25584040

Call the toll free number. Make sure you are calling from the registered mobile number.

Select the language you want to speak by pressing 1 (For English) or 2 (For Hindi) or 3 (For other languages) on your phone’s keypad.

Choose the option of speaking to a customer care representative. Your call may get put on hold if there are multiple users calling them. Wait patiently till your call is attended to. In case you wish to hang up wait for 5 minutes and the call will automatically get disconnected.

Tell the bank executive that you wish to check your Canara Bank credit card balance. Also, tell the executive your 16 digit credit card number so that he/she can verify your identity and access your information.

The executive will provide you with all the necessary details of your balance like the minimum amount due, due date, etc. If you have any doubts regarding the same you can ask them questions as well to clarify your doubts.

Check your card balance online by visiting branch

If you’re interested in checking your card balance online, it’s possible to do so using any of the following options:

Visit a Canara Bank branch in person. This is the traditional way of checking your account balance. You really can’t go wrong with it!

However, there are some drawbacks to this method, for instance, depending on how crowded your local branch is at any given time (and it will likely be crowded), you may have trouble obtaining a human being’s attention for assistance.

In addition, if there aren’t enough employees to handle all customer requests efficiently and quickly enough during peak hours (which there often aren’t), then waiting times could be quite long.

Especially if there are several customers before you who need help from an employee as well. In short: visiting branches may not always be practical or convenient when compared with other methods.

Check your balance online via the credit card statement

If you’re looking to check your Canara Bank credit card balance, the first place you should look at is your monthly statement. Your credit card statement is a document issued by your bank and it shows all transactions on your card.

This means that if there are any purchases or payments made on your account, those will be listed in this document as well. If a transaction has been made but isn’t showing up on this report, then this could mean one of two things:

Either it’s a pending transaction that hasn’t been processed yet or the merchant hasn’t sent their invoice (or “bill”) yet for processing.

The second thing to keep in mind about these documents is that they’re sent out monthly by email so if yours is missing from inboxes and inboxes everywhere.


The credit card balance is a great way to check your account transactions. It is important that you check the balance regularly so you can keep track of all your spending habits.

You should also know how much money is available in your bank account so you can pay off bills or make purchases when needed. This article gives detailed instructions on how to check the balance of your Canara Bank Credit Card online via net banking or app.

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