Credit Cards

Overview

The Credit Cards API returns the cards a customer holds — credit and debit — along with product details, available credit, current balance, and payment due information. Use it to build a card wallet, show statement summaries, and surface upcoming payment reminders.

As with accounts, card numbers are always masked and referenced by a durable cardRef alias.

What you can do

Display a card wallet — Show every card a customer holds with artwork, nickname, and masked number.

Summarize the statement — Present current balance, minimum due, and payment due date at a glance.

Track available credit — Help customers understand how much of their limit remains.

List a customer’s cards

{
  "cards": [
    {
      "cardRef": "card_44127",
      "productName": "Citi® Double Cash Card",
      "type": "CREDIT",
      "network": "MASTERCARD",
      "displayNumber": "XXXXXXXXXXXX0364",
      "creditLimit": 12000.00,
      "availableCredit": 9310.42,
      "currentBalance": 2689.58,
      "minimumDue": 65.00,
      "paymentDueDate": "2026-05-12",
      "status": "ACTIVE"
    }
  ]
}

Card status values

Security requirements

Requests require an OAuth 2.0 access token with the cards:read scope. Managing a card (locking, travel notices) additionally requires cards:manage. See the Authentication guide.