Making your SBI Credit Card Payment is super easy. There are more than 10 online and offline ways to pay SBI Credit Card Bill. You need to acknowledge that clearing your credit card dues on time is extremely important to avoid debt traps and maintain a good CIBIL score.
If you’re wondering how to make your SBI credit card payment without hassle, you’ve come to the right place. This guide will walk you through various online and offline payment methods, ensuring you never miss a due date. Let’s dive in!
Why Timely SBI Credit Card Payment Matters
Paying your SBI credit card bills on time isn’t just about dodging those hefty late fees. It’s also crucial for:
- Maintaining a Healthy Credit Score – Late payments negatively impact your CIBIL score, affecting your financial credibility.
- Avoiding Interest Charges – Unpaid dues accumulate interest, making your outstanding amount even larger.
- Boosting Your Credit Limit – Regular payments reflect responsible usage, increasing your eligibility for a higher credit limit.
- Enjoying Exclusive Offers – SBI offers rewards and cashback on responsible card usage!
Online Methods to Pay SBI Credit Card Bill
1. SBI Card Website
How to Pay via SBI Card Website?
- Visit the official SBI Card website (https://www.sbicard.com/).
- Log in using your credentials.
- Navigate to ‘Pay Now’ under the ‘Payments’ section.
- Enter your payment details and select the payment mode.
- Confirm the transaction.
- You will receive a confirmation message after a successful payment.
2. SBI YONO App
Paying through YONO SBI App
- Download and log in to the YONO SBI App.
- Select ‘Credit Card’ from the dashboard.
- Choose ‘Make Payment.’
- Enter the amount and select the bank account.
- Confirm payment, and you’re done!
3. Internet Banking (SBI and Other Banks)
Steps for SBI Net Banking Users
- Log in to SBI Net Banking.
- Click on ‘Bill Payments.’
- Select ‘SBI Credit Card’ and enter your card details.
- Choose the amount and make the payment.
- Your payment gets credited instantly or within 24 hours.
Steps for Other Bank Net Banking Users
- Log in to your bank’s Net Banking portal.
- Add your SBI Credit Card as a biller.
- Make the payment and receive confirmation.
4. NEFT (National Electronic Funds Transfer)
Paying through NEFT
- Log in to your bank’s Net Banking portal.
- Add your SBI Credit Card as a beneficiary with IFSC: SBIN00CARDS.
- Enter your 16-digit credit card number as the account number.
- Initiate the transfer and confirm payment.
- Payments are processed within 1 working day.
5. UPI (Unified Payments Interface)
How to Pay via UPI?
- Open any UPI-enabled app (PhonePe, Google Pay, Paytm, etc.).
- Select ‘Pay via UPI ID.’
- Enter your SBI Credit Card UPI ID (example: CC.SBI@bank).
- Enter the amount and complete the payment.
6. Auto Debit Facility
Set Up Auto Debit for SBI Credit Card
- Log in to SBI Net Banking or SBI Card Website.
- Select ‘Auto Debit’ under ‘Payments.’
- Link your bank account and authorize automatic bill payments.
- Ensure sufficient funds before the due date.
7. BillDesk Payment Gateway
How to Use BillDesk?
- Visit SBI’s BillDesk portal.
- Enter your card details and amount.
- Choose your preferred bank and proceed with payment.
- Receive a confirmation email and SMS.
How to Link Credit Card to UPI? Steps & Benefits
Offline Methods to Pay SBI Credit Card Bill
8. SBI Branch Payment
Paying at an SBI Branch
- Visit your nearest SBI branch.
- Fill out the credit card payment slip.
- Submit the slip along with the payment (cash or cheque).
- Keep the receipt for reference.
9. SBI ATM Payment
Paying via ATM
- Visit an SBI ATM.
- Insert your debit card and enter your PIN.
- Select ‘Services’ > ‘Bill Payment’ > ‘SBI Credit Card.’
- Enter your card details and amount.
- Confirm payment and collect the receipt.
10. Cheque Payment
How to Pay Using a Cheque?
- Write a cheque in favor of ‘SBI Credit Card XXXX-XXXX-XXXX-XXXX.’
- Mention your name and contact number at the back.
- Drop the cheque at any SBI drop box.
- The amount will be credited in 3-4 working days.
11. ECS (Electronic Clearing Service)
Setting Up ECS for SBI Credit Card
- Submit the ECS mandate form to SBI.
- Link your savings account.
- Choose a full or minimum amount due for automatic deduction.
12 SBI Dropbox
To settle your SBI credit card payment, deposit a cheque in any of the 300+ SBI drop boxes nationwide. Inscribe your name and phone number on the reverse side of the cheque. The payee must be your SBI Card No. along with your 16-digit credit card number (e.g., SBI Card No.XXXX XXXX XXXX XXXX).
Common SBI Credit Card Payment Issues & Solutions
1. Payment Not Reflecting?
- Wait 24-48 hours for processing
- Check transaction status in your bank statement
- If delayed, contact SBI customer support
2. Late Fee Charged Despite Payment?
- If you paid on the due date but the system didn’t update it in time, contact SBI support with proof of payment
- Always pay 2-3 days before to avoid such issues
3. Auto-Debit Not Working?
- Check if there are sufficient funds in your bank account
- Ensure auto-debit is correctly set up and not expired
How to check SBI Credit Card Payment Status?
SBI Website
Go to the SBI credit card site and access your account. Navigate to the ‘My Accounts’ section located on the left part of the page. Review the unbilled transactions to view the transactions since your previous statement. Review your transaction history to view all transactions from the past 24 months.
Chatbot ILA
Utilize your user ID and password to access ILA and request the chatbot to retrieve your unbilled and recent transactions.
Help Line
Dial the customer service number of SBI Cards at 1860 500 1290, 1860 180 1290, 1800 180 1290 or 39 02 02 02 (Include local STD code) to check the status of your SBI credit card payment.
Mobile App
You can install the SBI Card Mobile app and utilize it to settle credit card payments. Go to ‘Your Account’ to verify the status of your credit card payment. View recent and uncharged transactions to discover the specifics.
Conclusion
Paying your SBI credit card bill has never been easier! Whether you prefer the convenience of online payments or traditional offline methods, SBI offers various options to suit your needs. To avoid late fees and maintain a healthy credit score, choose the best payment method and stay on top of your finances.
FAQs
1. Can I pay my SBI credit card bill through Google Pay?
Yes, you can use Google Pay by adding your SBI credit card UPI ID and making the payment via UPI.
2. How long does it take for an SBI credit card payment to reflect?
Online payments (UPI, Net Banking, SBI Card App) are usually credited instantly, while cheque payments may take 3-4 working days.
3. What happens if I miss my SBI credit card payment?
Missing a payment results in late fees, interest charges, and a negative impact on your credit score.
4. Can I pay my SBI credit card bill in installments?
Yes, SBI offers EMI options for certain transactions, but you need to check eligibility on the SBI Card website.
5. Is there any extra charge for making a credit card payment online?
No, online payments through SBI Net Banking, UPI, or SBI Card App are free of charge.
6. How can I check my SBI credit card due amount?
Log in to the SBI Card website or app, check your latest statement, or send an SMS ‘BAL XXXX’ to the designated SBI number.
7. Can I use a non-SBI bank account to pay my SBI credit card bill?
Yes, you can use NEFT, Net Banking, or UPI from any bank to make payments.
8. What is the best method for last-minute payments?
UPI, Internet Banking, and SBI Card App are the fastest methods for instant payments.
9. Can I schedule future payments for my SBI credit card?
Yes, you can set up standing instructions via SBI Net Banking or the auto-debit facility.
10. How do I contact SBI for payment issues?
You can call SBI Card Customer Care at their helpline number or visit the nearest branch for assistance.
