Unlock Credit Card Statement PDF

Credit Card Statement PDF Password Formats — All Major Issuers

Credit card statements are always separate from bank account statements and use different password formats. Select your card issuer in the tool above and follow the format shown. Reference table:

HDFC Credit Card Statement Password

HDFC provides two password formats. The primary one is first 4 letters of your name (UPPERCASE) + DDMM of your date of birth. For Rajesh born 18 May: RAJE0518.

If that fails, try the alternate: first 4 letters of name (UPPERCASE) + last 4 digits of the card number: RAJE3456.

ICICI Credit Card Statement Password

DDMM of date of birth + last 4 digits of card number. For DOB 10 April with card ending 5678: 10045678.

Note: ICICI credit cards use a pure numeric password (no name portion), unlike HDFC and Axis which use a name prefix.

SBI Card Statement Password

SBI Cards (managed by SBI Cards and Payment Services) use DDMMYYYY of DOB + last 4 digits of card. For DOB 18 May 1990 and card ending 4321: 180519904321.

If DDMMYYYY fails, try DDMMYY (6-digit year): 18059043421 — some older SBI Card statements used this.

Axis Bank Credit Card Statement Password

Same format as HDFC Format 1: first 4 letters of name (UPPERCASE) + DDMM of DOB. For Anita born 10 May: ANIT0510.

Why Credit Card Statements Are Password-Protected

Credit card statements contain your full card number (usually partially masked), billing address, credit limit, and all transactions including merchant names and amounts. This is valuable information for fraudsters, so issuers encrypt the statement PDFs before emailing them to cardholders.

Troubleshooting — Password Not Working

• HDFC: Try both formats (Name+DOB and Name+Card). The format may differ between co-branded and standard HDFC cards.
• ICICI: DDMM only (4 digits), not the full date with year.
• SBI Card: Try DDMMYY (6 digits) if DDMMYYYY (8 digits) fails.
• Name shorter than 4 letters: Add the first letter of surname to reach 4 characters.
• Check card number carefully: The last 4 digits shown in the tool must match the card number, not any reference or authorization number.

Is It Safe to Unlock Credit Card Statements Online?

All processing is in your browser — no statement data, card number, or personal information is sent to any server. The tool uses pdfjs-dist (Mozilla’s PDF.js) and pdf-lib, both open-source libraries, operating entirely client-side.

How to use this tool

1. Select your card issuer from the dropdown in the tool above.
2. Read the password format shown for your issuer.
3. Build the password from your personal details (name, DOB, card number).
4. Enter the password and click Unlock & Download.

Frequently asked questions