Last verified: 6 November 2026. Password formats for Axis Bank, ICICI Bank and IDFC FIRST Bank are taken from the instructions printed in each bank’s own credit card statement email.
CardShala carries no referral links on this page and none of these cards paid for a mention. This is a how-to guide, not financial advice.
The short version
Your card statement arrives as a locked PDF. The password is built from your own details, usually some letters of your name plus your date of birth or card number. Each bank uses a different recipe, and many websites list the wrong one. The formats below come from the statement emails the banks actually sent me in October 2026.
Axis Bank
Axis gives you two options, and either works:
- Option 1: the first four letters of your name in CAPITALS, as it appears on your card account, then your date of birth as DDMM.
- Option 2: the first four letters of your name in CAPITALS, then the last four digits of your card number.
Ignore spaces and full stops in your name. Example: for a made-up name “R. Meena Iyer” born on 9 March, Option 1 is RMEE0903.
ICICI Bank
The first four letters of your name as it appears on your card, then your date of birth as DDMM, all in lowercase, with no spaces, special characters or salutation like Mr or Ms.
Example: for a made-up name “Anil Rao” on the card, born on 21 July, the password is anil2107.
The common mistake is typing capitals. ICICI wants lowercase.
IDFC FIRST Bank
Your date of birth in DDMM format. Nothing else. Born on 4 June: 0406.
SBI Card
[SAGAR: confirm and fill] SBI Card’s October 2026 statement email says it has recently changed how its statement password is set, and shows the new format inside the email itself. Open your latest SBI Card statement email and read the format there before trying anything else.
HDFC Bank
[SAGAR: confirm and fill] HDFC Bank’s statement email does not print the password format in its text.
Still cannot open it
- Check the name on the card, not your full name. If your card says “S KUMAR”, the first four letters are “SKUM”, not the first four of your first name.
- Use the right case. Axis wants capitals. ICICI wants lowercase.
- Use two digits for day and month. 4 June is 0406, not 46.
- Download the PDF first, then open it in a PDF reader. Some phone email apps do not handle locked PDFs well.
- Download a fresh copy from the bank’s app. Every big bank lets you download statements in its app or net banking.
Check the sender before you type anything
Fake “statement” emails with a link or an attachment are a common way to steal card details. Before you open a statement, look at the sender’s address. On my real October 2026 statements, they came from:
| Bank | Sender address ends in |
|---|---|
| Axis Bank | @axis.bank.in |
| ICICI Bank | @icici.bank.in |
| HDFC Bank | @hdfcbank.bank.in |
| IDFC FIRST Bank | @idfcfirst.bank.in |
| SBI Card | @sbicard.com |
Most Indian banks now send from addresses ending in .bank.in. SBI Card is a separate company from State Bank of India, which is why its address is different. A real statement password never needs your full card number, CVV, PIN or an OTP. If a “statement” asks for any of those, it is fake. Delete it.
Once you have the PDF open, the two dates that matter most are the statement date and the due date. Our billing cycle guide explains how they work, and our minimum amount due guide explains the smaller number on the first page.
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FAQ
What is the password for an Axis Bank credit card statement?
The first four letters of your name in capitals plus your date of birth as DDMM, or the first four letters of your name in capitals plus the last four digits of your card. Either works.
What is the password for an ICICI Bank credit card statement?
The first four letters of your name as printed on your card plus your date of birth as DDMM, all in lowercase, with no spaces or salutation.
What is the password for an IDFC FIRST Bank credit card statement?
Your date of birth in DDMM format.
Why is my credit card statement password not working?
Usually the name: banks use the name as printed on your card, not your full name. Also check capitals versus lowercase, and use two digits each for the day and month.
Is it safe to open a credit card statement email?
Check the sender’s address first. Real statements from Axis, ICICI, HDFC and IDFC FIRST now come from addresses ending in .bank.in, and SBI Card’s from sbicard.com. A statement password never needs your CVV, PIN or OTP.
Sources
- Axis Bank, ICICI Bank and IDFC FIRST Bank: password instructions printed in their October 2026 credit card statement emails to me. Personal details not reproduced; all examples use made-up names.
- Sender addresses: my own October 2026 statement emails from Axis Bank, ICICI Bank, HDFC Bank, IDFC FIRST Bank and SBI Card.
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