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Paperless online credit card statements

Why would you pay for your credit card statement? Go paperless with online statements in a few clicks.


Tired of paying the bank to send you your own credit card statement? Cut back on unnecessary waste and costs by opting to receive paperless credit card statements online for free.

This guide looks at the differences between online and paper statements so you can make an informed decision about how to manage your account.

What’s the difference between printed and paperless online credit card statements?

Paper and electronic statements look the same, the difference being online statements are sent to your email inbox not your postbox.

Printed statementsPaperless online statements
Printed by the credit card provider and sent to you by postAccessed via Internet banking. Some providers also email your statements via a secured email service
Provides you with a physical copy of your statement for reviewAllows you to easily store statements electronically for quick recall and review
May attract a print statement fee of between $1 and $7 (especially for additional statements)No cost involved
Can take several days to reach youCan be accessed immediately

How to access paperless online credit card statements

Many financial institutions provide electronic statements as a default service; you’ll have to opt-in to receiving online statements if this isn’t the case. You can do this by calling your credit card company or logging on to Internet banking. You can check to see whether you’re registered for paperless statements once you’ve linked your credit card to your online banking account.

Follow these four general steps to access your online statements:

1. Log in to your Internet banking account.
2. Select the credit card account you want to view statements for.
3. Select the “statements” option for that account.
4. Click on the statement period you want to view.

You’ll get an email notification when you get a new statement, which should help serve as a reminder to view your statement and make repayments. If you’ve verified your mobile number you can also opt for SMS notifications. Some financial institutions will even send you an SMS code as an extra layer of security before you can open the document. As well as current statements, you can also view past statements online too.

If you want to download your statements, you’ll need an application that can open the PDF file format (such as Adobe Acrobat). You can then save the PDF statement to view or print if you’d like a hard copy.

Other factors to consider

  • Automatic notifications. Choose between email and SMS notifications when your statement is available to view online. This is a handy feature if you’ve missed your credit card repayments because of forgetfulness.
  • Print statement fees. A clear incentive to go paperless is that paper statements can cost a couple of dollars – additional paper statements cost even more. Not to mention the trees. If you need a physical copy you can always print it at home.
  • Financial management preferences. Choose the option that’s most convenient for you. Paperless online statements allow you to manage multiple accounts from your desktop or mobile device. If paper statements are your preference, log in to your online banking facility or contact a customer service representative to select a paper statement service. Remember you can also change when your credit card statement is issued to match when you’re paid.
  • Searching for transactions. It’s much quicker to review and search online statements. Paper statements take up space and lack search functionality.
  • Statement history. You can view all of your previous statements when you log in to your online banking account. Follow the prompts to navigate to the statement history section.
    As well as view your transactions when you get your monthly statement, you can view your transactions for the last 30 days when you log in to your online banking account. Internet banking applications feature search functions that let you set custom ranges such as transaction date and size.
  • Security. Thieves can steal your identity using the information on your credit card statement. Cutting the paper trail can prevent this. Online statements are secure if viewed and left on the credit card issuer’s online banking platform.

Paper and electronic statements serve the same function, but paperless versions will help save you money, the environment, paper build-up and time in the long run.

Images: Shutterstock.

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2 Responses

  1. Default Gravatar
    MalcolmSeptember 12, 2017

    Do any credit card providers offer no annual fee with free paper statements?

    • Avatarfinder Customer Care
      JoanneSeptember 14, 2017Staff

      Hi Malcolm,

      Thanks for reaching out.
      Here is a link where you can compare credit cards that offer 0 annual fee side by side.
      For the free monthly statement, you will have to directly click on go to site on that page or contact the bank directly


Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Low Rate
12.49% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back when you spend $3,000 in the first 3 months with this premium card.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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