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SBI Credit Card was first launched in October 1998 in India’s capital city New Delhi. It was launched in a joint venture with GE Capital. It is incorporated as SBI Cards and Payments Services Private Limited. It is headquartered in Gurgaon, Haryana. The State Bank of India is the largest public sector bank in India. The term SBI is a household name in India. It is considered as the most trusted banker in India, this faith led to achieving a credit card customer base of 1 lakh within a short span of 10 months after its initial launch. Later by February 2000, its number increased to 2.50 lakh and crossed a whopping 5 lakh by December 2000. As of 2017, SBI Credit Card entered into 5 million cards club.

List of SBI Credit Cards

Special Credit Cards Launched by SBI

In 2003, SBI Credit Card launched city-specific Affinity Cards targeting professionals, middle and upper-middle-class segments and also frequent travelers of the society. In the year 2006, to ease the customers who book train tickets,

SBI Credit Card collaborated with Indian Railway Catering and Tourism Corporation (IRCTC) and launched a loyalty-cum-credit travel card.

The unique feature of this card is the cardholders are eligible to receive up to 10% value back on the railway bookings and they can also get offers on their retail spending. 

SBI Credit Card Features

Global Acceptance – The SBI Credit Card is accepted both in India as well as in the foreign countries.

Loan Facilities – The SBI Credit Card provides hassle-free loan facilities on demand. One time processing fee of 2%, up to a minimum amount of Rs 499 and a maximum amount of Rs 3,000 has to be paid. Loan repayment can be done within 12 or 24 or 36 months. The rate of interest is very low. Documentation is not required, there is no paper-work involved to secure the loan.

Balance Transfer – SBI Credit Cards provide ‘low-interest rate on balance transfer’ facility. It is available to all the residents of India who are holders of a valid and current primary SBI Credit Card.

Balance Transfer amount ordered by a primary SBI Cardholder would be processed by SBI Cards and Payment Services Private Limited subject to a minimum ordered amount of Rs 5,000 and a maximum ordered amount of 75% of the available credit limit assigned to the concerned primary SBI card account.

Balance Transfer on EMI- SBI Credit Card provides Balance Transfer on EMI, with a minimum transfer amount of Rs 5,000 and a maximum amount of 75% of the available credit limit as assigned to the SBI Cardholder. The cardholder shall be levied a foreclosure fee amounting to 3% of the Principal amount outstanding in case of the Offer being voluntarily pre-closed by the customer prior to the maturity of the tenure period opted for.

Flexipay –SBI Credit Card charges a default rate of interest of 22% on this facility. A differential rate of interest is applicable from the select set of cardholders. The Rate of interest charged will be intimated to cardholder prior to availing the facility.

Factors which determine the rate of interest are credit risk profile and past transactions or repayment behavior of the customer.

Encash – SBI Credit Card provides encash offer to its credit cardholders. SBI cardholders can avail the benefits under this offer by requesting for a chequebook which would be sent to the cardholders registered address. The monthly repayment amount will be calculated based on the following formula (principal amount + interest charge) / tenure in months. The monthly repayment schedule will begin from the SBI Cardholders next billing statement and it will continue over the tenure period chosen for the offer.

Card Upgrade – SBI Credit Cardholder can upgrade the card facility by paying an annual fee. The upgrade will be offered to eligible customers based on the internal evaluation of the customer's performance and credit history of the card. The old plastic cards will be active for a period of 90 days from the date of upgrading to a new card.

Easy Bill Pay Service – This facility is available for SBI Credit Cardholders for select billers in select cities in India. The services will be available to the registered cardholders and to the exclusion of all others. The cardholder agrees to pay a convenience charge while registering through SBI Card website.

Benefits of SBI Credit Card

The following are the benefits of using SBI Credit Card.

1. Lower Interest Option – SBI Credit Card charges the lower interest rate on the outstanding credit balance. One can use this option and transfer the outstanding balances of other credit cards to SBI Credit Card at a lower interest rate or can convert transactions into easy monthly installments (EMI). The current rate of interest is 0.75% per month for a period of three months and 1.27% per month for six months.

2. Encash – With the SBI Card Payment, the cardholder can have easy accessibility for cash. The holder of the card can encash up to or above the set credit limit. The user can enjoy hassle-free money using SBI Credit Card Payment as per the requirements. The repayment option is also made convenient by SBI, it doubles up the benefit for the customer.

3. Simplified Form of Money – With the introduction of SBI Card net banking, one need not have to visit the bank every time for withdrawing money. Cards can be used to pay for bills and thus the process of paying bills has been simplified.

4. Insurance – SBI Credit Cardholder can choose different types of Insurance cover, provided by State Bank of India empowering the account holder to tackle the future unforeseen events in life. It is currently providing the following types of insurance cover for cardholders – Health Insurance, Personal Accident Insurance, and Card Protection Plan.

5. Utility Bill Payments – By using SBI Credit Card, an individual can avail the benefits of Auto Bill Pay. After registering for Auto Bill Pay, one can ensure that all the bills will be paid automatically on time and one need not have to worry about missing the deadlines for bill payment. Using Auto Bill Pay mechanism you can pay telephone, mobile, electricity bills, insurance premium and so on. By registering the billers and setting up the standard instructions to pay the bills on time, all the bills will be paid on time every time, automatically. Once the bills are paid automatically you will receive an SMS and e-mail confirming the payment information, bill due dates, and new biller additions. The SBI Credit Card Online Payment facility comes in handy to pay utility bills.

6. Easy Access – One can access SBI Card account anytime, anywhere with sbicard.com or you can also use Simply SMS or can download the SBI Card mobile app or can download yono by SBI Android App. The process of accessing SBI Credit Card has been simplified to a great extent.

7. Rewards – SBI Credit cards provides its users to earn reward points on every purchase. These reward points do have an expiry period within which it should be redeemed. If the customer is an avid online shopper then the best SBI credit card will be SBI SimplyCLICK Credit card as it covers most of the popular e-commerce sites including Flipkart and Amazon.

Apply for SBI Credit Card

The quickest way to apply for an SBI Card is to apply for Credit Card through SBI’s website at www.sbicard.com.

Or

You can also call SBI Card Helpline number at 39020202 (prefix STD Code of your respective city).

Or

Visit the nearest SBI Branch and apply for an SBI Credit Card.

SBI Credit Card Apply Online

Applicants can visit the official website of SBI credit cards at www.sbicard.com, and click on apply which is shown at the top right side of the page. Under the apply tab, the applicant will have to choose from the following options

• Help Me Find a Card

• Track My Application

• Retrieve My Application

The ‘Help Me Find a Card will lead the applicant to a list of credit cards that they can choose from as per there requirements. Applicants can choose from these cards after considering their minimum annual income and the reward points that a particular credit card has to offer. Once the suitable credit card is chosen, the applicant needs to select the ‘Apply Now’ option that will direct them to a new page and further information has to be filled as mentioned below.

• Name

• City

• Occupation

• Date of Birth

• Qualification

• Annual Income

• PAN Number

• Email id

• Mobile Number

• Enter OTP (this will be sent the applicant’s registered mobile number)

Once the details are filled in, the bank will check whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the SBI Bank to decide if a customer has to be given Credit Card or not.

Applicants can also apply for an SBI Credit Card, by sending an email to SBI bank directly.

SBI Credit Card Apply via Offline

Applicants can directly walk into the nearest branch of the SBI Bank and express the desire to obtain a credit card from the bank.

The bank executive will explain you about the features of all the credit cards after understanding the annual income, needs, and requirements of the prospective customer.

Once the applicant zeroes in the card as per the requirement, he/she will be asked to fill in the SBI Bank Credit Card Application Form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.

The bank representative will thoroughly go through the application form along with the other submitted documents provided by the applicant and will take a final call whether the applicant meets the eligibility criteria for the credit card for which they have applied for. Once the check is done the applicant will be provided with the desired credit card.

It will be at the discretion of the SBI Bank to decide if a customer has to be given Credit Card or not.

SBI Credit Card Eligibility

  • To apply for SBI Credit Card, the individual should have attained 21 years of age to a maximum of 60 years
  • The applicant should be a resident of India.
  • The applicant should have 200 credit score or above
  • The applicant should have a regular source of income.
  • Must have a minimum salary of Rs 20,000.

Required Documents for SBI Credit Card

  • One identity proof issued by the government of India – Election Voters ID, Driving License, Aadhaar Card, Passport, Ration Card.
  • PAN Card.
  • Income Proof – Latest Income Tax Return Form/ Form 16/ Salary Slip/ Salary Certificate
  • Address Proof – Telephone Bill/ Passport/ Electricity Bill/ Bank Passbook / Letter from recognized public authority / Aadhaar Card/ Ration Card
  • Passport size photograph

Why should one choose SBI Credit Card?

  •  More Options To Choose

SBI Credit Card provides the customer with a variety of cards to fulfill the individual needs and requirements. It may either be for shopping, dining, travel, premium and so on.

  • Interest Rate

The interest rates are lower compared to other credit card facilities.

  • EMI Options

SBI Credit Card provides the holders an option to convert the pricey purchase to easy monthly installments, at a lower rate of interest.

  • Reward Schemes

SBI Credit Card provides various reward schemes to the customers, which gets accumulated after purchasing products at selected outlets across the country. The same can be redeemed for special offers and deals.

  • Unique Opportunity

SBI provides the unique opportunity to its cardholders to use the card for securing shopping discounts, travel concessions, cash advance facilities and balance transfer on EMI and so on.

SBI Credit Card Lost

In case if you have lost your SBI Credit Card, then the first thing one should do is to block the credit card to avoid the use of the card for fraudulent activities. The lost credit card should be blocked immediately and reissued. The user should raise a request to block and reissue of card which can be made via:

  • Mobile App.
  • Web portal – sbicard.com.
  • SMS send BLOCK XXXX (last 4 digits of your credit card number) to 5676791 from your registered mobile number.
  • 24X7 helpline Dial 39020202 (prefix with local STD code) or Dial 1860 180 1290 (SBI Credit Card Customer Care No).

How to Register with SBI Credit Card Online?

Follow the below-mentioned steps to register with SBI Credit Card Online:

Step 1: Visit the official web portal of SBI Credit Card at www.sbicard.com and click on the ‘First-time user link’.
Step 2: Enter your Credit Card number, CVV number, date of birth, the expiry date of your credit card and click on the ‘Proceed’ button
Step 3: You will now receive an OTP (one-time-password) on your registered mobile number.
Step 4: Now, fill in the OTP as mentioned and press on ‘Proceed’ option again
Step 5: The system will now ask you your preferred user ID followed by the password and confirm password. Fill in all the required details and click on the ‘Confirm’ button.
Step 6: Your user name and password will get generated which can be used every time to log in to your SBI Card online account.

Procedure to report Lost/ Stolen SBI Credit Card and Reissue through website

Follow the below-mentioned steps to report Lost/Stolen SBI Credit Card

Step 1: Login to your online account on sbicard.com
Step 2: Now choose the ‘Report Lost/Stolen Card’ under the Request tab
Step 3: Select the card number to report the lost card
Step 4: If you are looking for a reissue of SBI credit card then choose the “Reissue Card” option
Step 5: Proceeding further click on the ‘Submit’ button.

SBI Credit Card Status

One has to follow the below-mentioned steps to check their credit card status from the official web portal of SBI.

Step 1: Visit the official web portal of SBI Bank

Step 2: Click on the Credit card tab on the main page

Step 3: Now go down the page and you will find an option ‘Track my Application’, now click on it

Step 4: Now Check the status by entering the ‘Application / Reference Number’ and click on the Track button.

Step 5: Alternatively one can also choose the ‘Retrieve Application’ tab and enter the Date of Birth and PAN number and click on ‘Retrieve’ button.

Step 6: Now get your SBI Credit Card Application Status which gets reflected on the page.

Please Note: You can check the SBI Credit Card Status via online as well as offline mode.

How to make Credit Card Bill Payment?

In today’s digitized world, credit card bill can be paid through any one of the following way – Cash, Cheque, Demand Draft, Debit Card, Net Banking, Visa Money Transfer, NEFT/RTGS Transfer. Users can even make bill payments using SBI Credit Card Net Banking Facility. 

SBI Credit Card Payment

The holders of SBI Credit card can do payment using an array of options which are available both in online and offline. Customers can choose any of the payment option as per their convenience.

SBI Credit Card Online Payment Modes

India’s largest public sector bank offers 12 online modes for SBI Credit Card online payment. They are:

  • VISA Credit Card Pay
  • SBI Mobile Banking
  • NEFT
  • Online SBI
  • SBI Auto Debit
  • Paynet – Pay Online
  • Electronic Bill Payment
  • Debit Card
  • Pay via UPI
  • Pay via Mobile App
  • National Automated Clearing House
  • Pay via YONO

SBI Credit Card Bill Payment – Offline Mode

The customers of SBI Credit card can even pay their bills via offline mode. The following are the Credit Card Bill Payment Offline Options:

1. Over the Counter Payment

Make payments over the counter at any of the SBI branches across India.

  • Visit any of the nearest branches of State Bank of India
  • Fill in the pay-in-slip with all the relevant details and submit the same along with the payment amount to the teller.
  • Later collect the acknowledgement slip/receipt of payment from the teller.

Note: The payment will reflect within 2 working days in your SBI credit card account.

2. Electronic Drop Box

The credit cardholders can also deposit the payment cheques in the electronic drop boxes and get an instant receipt of payment of credit card bill.

Steps to pay credit card bills using Electronic Drop Box:

  • Locate the nearest electronic dropbox.
  • Insert the cheque in the box and follow the instruction as mentioned on it.
  • Post the successful transaction, you will be receiving the scanned image of the cheque as a receipt. Your payment will get reflected within 4 working days in your SBI credit card account and the credit limit will be released after clearance of your cheque.

3. Manual Drop Box

As per this option, one can pay SBI credit card bills using cheques. One can drop the cheques at any of the 500+ drop boxes located anywhere across India.

  • Visit the nearest SBI branch in your locality and fill in the SBI credit card number on your cheque.
  • Do mention your name and mobile number on the backside of your cheque.
  • Mention the payee’s name as ‘SBI card No_______________’ (quote 16 digit credit card number)
  • Check if the payment amount, date and signature is clearly mentioned on the cheque.

Note: Payment will reflect within 4 working days in your SBI Credit card account and the credit limit will be released after clearance of your cheque.

4. SBI ATM Payment

The holders of SBI credit card can pay their outstanding bills using SBI Debit card as well and this can be done at any of the SBI ATM centres across India.

  • Locate the nearest SBI ATM Kiosk
  • Walk into the SBI ATM and insert your debit card into the Automated Teller Machine (ATM) and find the ‘Bill Pay’ option in the menu.
  • Now enter your SBI Credit Card number followed by the amount to be paid and proceeded with the payment.

Note: Payment will reflect within 2 working days in your SBI Credit Card account.

SBI Credit Card Net Banking through NEFT

Now SBI Credit Cardholders can pay their credit card bills via NEFT (National Electronic Fund Transfer). Follow the steps and make your SBI Credit Card payment through NEFT:

  • Sign in to your internet banking services using your user id and password as provided by your respective bank and login to your account.
  • Proceed further and select the ‘Third Party Transfer Option’ and add your SBI Card as the beneficiary.
  • Enter your 16 digit SBI Credit card number instead of your account number on the internet banking page.
  • Enter the respective IFSC code for your SBI Card and make NEFT Credit Card payment.
  • Provide the beneficiary name as SBI Credit Card – NEFT.
  • Enter all the relevant details such as the address of the bank as Payment Systems Group
  • Click on the submit button to complete the registration process.
  • To proceed with payment, choose SBI card as the beneficiary and enter the relevant amount which you wish to transfer.
  • You will receive a notification post the completion of the process along with the transaction reference number.
  • Once the amount is credited to your SBI Credit card account, you will get a notification through SMS which acknowledges the payment.

Note: All the payments made through SBI credit card will reflect within 3 years in your SBI Credit Card account.

SBI Credit Card Activation

When the cardholder receives his or her credit card, it will be in inactive mode due to security reasons. The cardholders should activate the same to use it for further purposes. SBI recommends its credit cardholders to visit their official web portal to activate their credit card. 

Procedure to activate SBI Credit Card Online

  • First, visit the web portal of SBI (www.sbicard.com)
  • Login to your SBI net banking account using your credentials
  • After you log in, proceed further and navigate to the ‘Requests’ menu which appears on the left-hand side of the screen. 
  • Now choose the option ‘Card Activation’ from the available options. 
  • If in case, you hold multiple credit cards which are linked to SBI net banking account, then you will be asked to choose the right card from the available drop-down menu. 
  • After you choose the right SBI credit card, click on the ‘Activate’ button and your card will get activated instantly. 

Please Note: One can even write to SBI Bank using the ‘Email Us’ option which is available on the SBI’s official web site to activate their credit card. The cardholders can also contact SBI customer service department at ‘1860 180 1290’ to activate their respective SBI credit cards. 

How To Close SBI Credit Card?

A cardholder can close the Credit Card Account by writing to SBI Credit Card or calling the SBI Card Helpline.

After placing the request for account closure, the cardholder is required to cut their credit card(s) diagonally. The request will automatically lead to the termination of the add-on cards.

Termination will be effective after payment of all amounts outstanding on the card account.

How to Redeem Reward Points?

Process through SBI Card Website

  • Log-in to official sbi card site SBIcard.com
  • Click on the reward section and then click redeem rewards.
  • Now please select your card, available points, city and select category as per your choice.
  • Now browse from the products
  • Now click on redeem now and confirm it.
  • A successful notification will come instantly to your registered mobile number and e-mail.
  • Reward products will be delivered to your doorstep within 15 to 30 working days.

Process through SBI Card mobile app

  • Log in to sbi card mobile app. In case you don't have sbi card mobile app just download it from the Google Playstore for android users and for apple users download it from the App store.
  • Click on the reward section and then click redeem rewards.
  • Now please select your card, available points, city and select category as per your choice.
  • Now browse from the products as per your choice
  • Now click on redeem now and confirm it.
  • A successful notification will come instantly to your registered mobile number and e-mail.
  • Reward products will be delivered to your doorstep within 15 to 30 working days.

How to redeem cash against the reward point?

To redeem cash against reward point please drop an e-mail to the official sbi card website or give a call to the toll-free number of sbi card. A 24*7 customer care executive will call you instantly to discuss with you the same.

SBI Credit Card Statement

The SBI Credit Card Statement is a report which contains the list of purchases which a credit cardholder makes since the last billing cycle and it shows the total amount credit back to your account. It will mention the bill amount which is required to be paid by the cardholder. It also includes all the details of the EMIs which is active on the credit card and the summary of accumulated reward points. 

The SBI Credit Card Statement consists of: 

  • Billing Date
  • List of purchases made during the billing cycle
  • Active EMIs
  • Minimum Amount Due
  • Total Amount Due
  • Bills Paid (which are credited into the account)
  • The due date for payment
  • Any new terms and conditions added by the bank
  • Change in rates (if any)

Added to this, the Rewards Points Summary section includes 

  1. Disbursed Points
  2. Earned Points
  3. Opening & Closing Balance
  4. Adjusted Points

The SBI Credit Card Statement includes other details such as card holder’s name, residential address, contact number, e-mail address and so on. It mainly mentions details such as amount, transaction report for all the proceeded purchases, date of the transactions. 

The Account Summary section will provide the specifics such as opening and closing balance, processed purchases along with finance charges, payments made, total dues which have to be paid by the cardholder. 

How to check SBI Credit Card Statement Online?

The users of SBI Credit Card can log in to the official web portal of SBI and follow the below-mentioned steps to check the credit card statement:

  • Visit the official web page of SBI Card
  • Login to your SBI Card account using your registered ID and password.
  • Towards the left side of the home screen, check for ‘My Account’ option. Click on it and using the drop-down menu, click on ‘Card Statement’.
  • Now one can view the SBI Credit Card Statement. One can even find out the total amount due and the due date before which one has to make payment along with the detailed expenses report.

Please Note: SBI sends an e-mail statement to the credit card users registered mail ID. If in case, if you do not receive it then login to the internet banking portal and get a duplicate statement of the same.

How to manage errors in SBI Credit Card Statement?

If in case, you notice any purchase made using your SBI Credit Card which you have not made, then immediately bring it to the notice of SBI bank’s officials. The cardholders can even raise the issue with the concerned merchants and rectify the errors without involving the bank officials. Gather all the proofs related to the error and keep it handy for further investigation, if any.

The final choice is to report the faulty transaction directly to the creditor’s department. One can ask them to initiate for a billing-related investigation and make sure as a cardholder you will raise the issue about the mistaken transaction with the department within 60 days after receiving the credit card statement which mentions the inaccurate transaction.

SBI Credit Card Cancellation 

The existing SBI Credit cardholders who are considering to close or cancel their credit card of SBI can do so by following the below-mentioned steps:

The SBI Credit Card cancellation can be done by following the four steps which are as follows:

  • Check the status of SBI credit card 
  • Pay all the dues
  • Redeem all the accumulated reward points
  • Contact the bank for cancellation

Check the status of SBI credit card 

If you have decided to cancel your SBI credit card then initiate the closing process by checking the status of the credit card. The bank has the authority to cancel your credit card at any time as per their preference. If in case, you have stopped using your SBI credit card for a long time, then first check the status before initiating the process for cancellation of the credit card.

Please note, that the credit card issuers are not allowed to charge an inactivity fee to the cardholders in case of the credit card is not used for several months. 

Pay all the dues

If your SBI credit card is still active, then clear all the outstanding dues if any by paying the pending amount only after clearing the dues payment, one can go ahead with the credit card cancellation process. One should also close all the EMIs which the credit card carries. 

Note: Do not use the credit card after raising the request for cancellation. 

Redeem all the accumulated reward points

Post payment of the outstanding balance, check your accumulated reward points. If you have any unused reward points left, then you can redeem the same and get attractive gifts from the bank’s catalogue. The unused reward points can be redeemed within 45 days for cancellation of the card. 

Contact the bank for cancellation

After completion of the above-mentioned steps, the final step is to contact the SBI Bank. One can even make dial 1860 180 1290 and request to cancel your SBI credit card. 

Or 

You can even write a letter to SBI and send it to the following address:

SBI Card,

Post Box – Bag 28,

GPO, New Delhi – 110001

Note: Mention your full name (as present in the bank records), credit card number, address and other contact details on the letter. Avoid mentioning confidential information on the card including CVV or PIN. Post cancellation of your credit card, cut it diagonally to avoid misuse. 

SBI App – YONO

YONO stands for You Only Need One. YONO is an integrated digital banking platform provided by the largest public sector bank – State Bank of India to help its users to access a wide range of financial and other services including bookings of the train, taxi, flight, pay medical bills, online shopping and so on. YONO is offered as a smartphone app and is available for both iOS and Android versions.

The app is an initiative by the SBI to bring in all of the joint ventures customers through digital technology – YONO Mobile App and YONO website. Customers can integrate all the products and services from SBI Bank account, SBI Mutual Fund, SBI card, SBI Life Insurance, SBI Securities, SBI General Insurance.

It is mandatory to have an SBI bank account number to use the YONO app. The user can even log in to the app using the ATM card details.

YONO offers a series of services and has tie-ups with many e-commerce companies and includes travel planning, online shopping, taxi bookings, online education and so on. It also provides convenient mobile banking services like opening of bank account, cashless bill payments, loans, fund transfers, loans, etc.

Credit Card Transactions Dispute

With the rise in the number of users of credit cards, the disputes arising from it is also expanding at an alarming rate. The credit cardholders should always report the fraudulent transactions to the bank immediately once they notice it and the bank will ask you to file a dispute form. The term ‘Dispute Form’ is not new to most of the credit card users in India. So let’s learn and understand more about the disputes which arise out of credit card transactions and other issues related to the matter.

List of Credit Card Transactions which can be Disputed

One should first understand the kind of credit card transactions which can be disputed. While some of them sound familiar, some might be unheard of. Find the list of credit card transactions that can be disputed:

  • Failed or Cancelled the transaction
  • Incorrect transaction amount.
  • Multiple debits
  • Goods not received
  • Unknown or unauthorized transactions
  • Fraudulent transactions
  • ATM cash not received

Failed or Cancelled Transaction
If in case your credit card transaction gets failed or cancelled but you were still billed for that transaction or have not received any refund from the merchant, then you can file a dispute.

Incorrect Transaction Amount
The billed amount during a particular transaction is different from the actual incurred amount, then you can file a dispute.

Multiple Debits
If in case, the credit cardholder is billed twice for the same credit card transaction either by mistake or by intention, you will have to file a dispute as soon as you get a message or while checking for credit card statement which reflects double debit entry.

Goods Not Received
If in case you order for some goods or service via online using your respective credit card and you have not yet received them on time despite contacting the merchant and has been waiting for the arrival of the product for a long time, then you can file a dispute.

Unknown or Unauthorized or Fraudulent Transactions
If an unknown transaction happens on the credit card without the credit cardholders authorization or participation in the transaction process, then that particular transaction is termed as an unauthorized transaction. A fraudulent transaction may also take place whenever your credit card is stolen or lost.

ATM cash not received
If the credit cardholder tries to withdraw cash from an ATM and the transaction is processed but the cash does not get dispensed and you get billed for the amount, in such cases, you can file a dispute. If you receive a partial amount, then also you can file a dispute.

Procedure to follow by a Cardholder if the credit card gets deactivated due to inactivity

If in case, it the credit card of the holder gets deactivated due to dormancy, then one should follow the below-mentioned steps to prevent any kind of altercations in future

Check the Credit Card Score

If in case, the limit of the deactivated card is very high, then it may take a deep plunge on your credit card as it will increase the cardholders overall credit utilization ration. One has to check if the credit score is least impacted and if there is any considerable drop in the score, you can take corrective measures in future to rebuild the credit score.

Monitor the credit report for closure

The cardholder must monitor their credit report every month to ensure that the credit card accounts remain in your credit report for at least seven years and if in case your account is not closed under the agreed circumstances as settled, then your credit report may be left impaired.

Contacting the Issuer for Reactivation

Sometimes, the cardholder can follow this simple procedure to reactivate his or her deactivated card. However, you can send in a written request to the issuer to reactivate the credit card by mentioning that you promptly made the necessary payments on time and do have a good credit history.

Credit Card Hacks Against Deactivation

Individuals can prevent the credit card from deactivation by following some of the simple tricks and tips which are mentioned below:

  • One has to carry out transactions with a lesser amount with the credit card to keep it active. The practice even helps the user to track any kind of fraudulent activities in the card.
  • Make sure that you pay your credit card bills on time and in case if you have crossed your credit limit, then your credit card will be temporarily deactivated by the issuer until you make the necessary due payments on your card.
  • Make an elaborate plan on using a specific credit card for a specific purpose as this will increase the savings part. For example: Use the shopping credit card for all purchases, travel card to book flight tickets, hotel bookings, fuel credit card at fuel filling stations and so on.
  • If in case, you have defaulted on your monthly payments, then your bank may deactivate your credit card for a stipulated period. You can transfer the outstanding balance on one credit card to another one and convert the same into easy EMIs.

SBI Credit Card Net Banking

It is the platform where you can manage your credit card in an easy and smart way. Make your day to day needs more convenient and secure. Get notified for your credit card dues and pay instantly. Get 24x7 customer support for your credit card issues or complaints. Manage your reward points and redeem them, no matter where you are.

So what are you waiting for?

Scroll down and know all the benefits of SBI NetBanking services

Who can avail SBI Credit Card Net Banking Services?

  • All non-individual customers
  • Small business enterprises
  • Firms
  • Trusts
  • Institutions
  • Government organizations
  • Corporates
  • Public Sector Undertakings
  • Non Agency Banks
  • Sole Proprietors

Benefits

  • Track all your transactions in one platform
  • Get access to your account 24x7
  • Manage and view cash and credit limits, billed and unbilled transactions, due dates, reward points
  • Get unique and convenient services such as pay bills, register new card, hotlist lost card, register for autopay, change ATM PIN, request email statement, etc
  • Get unique features such as Cash on Call and Dial an EMI
  • Increase your credit card limit and upgrade your card
  • Pay all your dues or transfer money through NEFT, RTGS or IMPS
  • Pay utility bills or recharge your mobile through easy Billpay service
  • Get online deposit products (Fixed, Recurring, Flexi, Tax Saving etc.)
  • Setup Standing Instructions and Scheduling payments
  • Get E- Tax for online tax payment
  • Get E - Pay for automatic bill payments
  • Get DEMAT and IPO services

How to Register for SBI Credit Card Net Banking?

  • Visit SBI Credit Card website
  • Under the Login section, click on Register Now.
  • Enter your card details like Card Number, CVV Number and Date of birth.
  • Enter your registered email id and mobile number to generate OTP.
  • Enter the OTP on the required box and click on Proceed.
  • On the next page Enter User Id and create your new password.
  • After creating your new password click on Confirm.
  • On the next page, congratulations message will appear.
  • Now click on Login Now, which is located below the congratulation message on the same page.
  • Enter your User Id and Password Click on Login and explore

SBI Credit Card Bill Desk

One can now make Credit Card payments online from any other bank account that they maintain if the individual does not have an account with State Bank of India, then they can make payment at Bill Desk.

Who can pay through SBI Credit Card Bill Desk?

  • Sole Proprietors
  • All non-individual customers
  • Small business enterprises
  • Non-Agency Banks
  • Institutions
  • Firms
  • Government organizations
  • Public Sector Undertakings
  • Corporates
  • Trusts

Benefits of SBI Credit Card Bill Desk

  • Bill desk service is available 24x7, with bill desk service you can pay your SBI Credit Card bill with any device.
  • With SBI Credit Card Bill Desk service you can track the status of all your current bills and payments.
  • With Click Pay and Auto Pay feature your SBI Credit Card recurring bills and expenses will be paid automatically
  • Get email notification for your every transacting, no matter where you are
  • With Expense Analysis feature, you can track the spending history of Standard Chartered Credit Card
    Get 24x7 customer support
  • Get a convenient way to manage your SBI Credit Card bill and expense records

SBI Credit Card Bill Payment through Bill Desk

  • Visit the site https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp
  • Enter your email address and SBI Card Number
  • Enter your registered mobile number and payment amount
  • Select your payment option and click on Pay Now
  • On the next page, you can see the successful message

SBI Credit Card Login

With SBI Credit Card login feature explore a world of convenience with a few taps. Applicants can easily book services like Encash, Balance Transfer, Balance Transfer on EMI, Flexipay, Easy Money. Get all updates and offers on your credit card which are specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your SBI NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the benefits of SBI Credit Card Login and how to use it.

Login for your SBI Credit Card and grab the benefits

  • Get access to Billpay service
  • Make online payments
  • Check your account details
  • Check your credit card score
  • Get access to use Internet Banking
  • Get access to Bill Consolidation
  • Get 24x7 customer service
  • Check your credit card status
  • Get access to track your lost or stolen credit card
  • Make your mobile or DTH recharge
  • Get access to credit card visa transfer feature
  • Manage your scheduled bills
  • You can check your bill payment history.
  • You can add new billers according to their location
  • You can view/download your credit card statement
  • Make enquiry of your transaction status
  • Get access to see your transaction limits and charges
  • Get notification about your next credit card payment date.
  • Applicants can make a secure login with face and touch id.
  • View and manage your reward points
  • Get all personalized alerts and reminders
  • Download PDF statement of your last 6 months spending history
  • Get notified on purchase and spends
  • View your recent transactions 24x7
  • Stay updated with your reward points balance
  • Now just tap on an eligible transaction on your statement for the option to use your Membership Rewards points to pay
  • Get to know about your nearest Airport Lounge instantly
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Go paperless and enjoy the download of PDF statements of all your transactions
  • Easily change your ATM PIN
  • Get access to special services like Cash on call, Dial on EMI
  • Get 100% online security on your card
  • Get access to credit card hotlisting
  • Withdraw your card sub-limit
  • Set your sub-limits
  • Set your net limits
  • Manage your international travel details
  • Add or manage beneficiary as per you want.
  • Spent a minimum of Rs 2500 and convert into easy EMIs, with flexipay feature.
  • Apply for a loan instantly
  • Increase your credit limit and also upgrade your credit card.

Login SBI Credit Card Online

For existing user

  • Go to the official site of SBI Card.
  • Click on Login, which is located on the top bar of the page
  • Enter your User Id and Password
  • Click on Login and explore

For New User

  • Go to the official site of SBI Card
  • Under the Login section, click on Register Now.
  • Now enter your card details like Card Number, CVV Number and Date of birth.
  • Now provide your registered email id and mobile number to generate OTP.
  • Enter the OTP on the required box and click on Proceed.
  • On the next page Enter User Id and create your new password.
  • After creating your new password click on Confirm.
  • On the next page, congratulations message will appear.
  • Now click on Login Now, which is located below the congratulation message on the same page.
  • Enter your User Id and Password
  • Click on Login and explore

SBI Credit Card Tracking

Applicants applied for SBI Credit Card can track the status of their application through the below-given process. Track your credit card status by your application number and date of birth. Scroll down and go through the tutorial to make the process complete.

SBI Credit Card Tracking by Application Number

  • Visit to the SBIcard.com website
  • Under the Track Your Application section, click on Check the status of your application
  • Enter your Application Reference Number on the required box
  • Click on Track and you will be redirected to the new page where you can track the application status of your credit card.

SBI Credit Card Tracking by Date of Birth

  • Visit to the SBIcard.com website
  • Under the Track Your Application section, click on Retrieve Application
  • Enter your date of birth as per your Aadhar Card
  • Enter your valid PAN Number and click on Retrieve
  • You will be redirected to the new page where you can see the application status of your credit card.

Offline Process of SBI Credit Card Tracking

Apart from the online process applicants can also go through the offline process to check their credit card status. Below given process are to track SBI Credit Card status via offline

Call on the helpline numbers: 1860 180 1290

Status Details of SBI Credit Card

  • In-progress: When the application is still in process, you will get the status as ‘In progress’.
  • On-hold: You will receive ‘On-hold’ status if you have submitted any incomplete documentation or details.
  • Approved: You will find the ‘Approved’ status, once your application has been approved. You will receive your card to the address mentioned in the application form.
  • Dispatched: Once your card is dispatched, Dispatched status show on the screen. It will take 2-3 business days to deliver your card at your doorstep.
  • Disapproved: A ‘Disapproved’ status displayed when your application has been rejected. This happens when you cannot meet the eligibility criteria of the credit card.
  • No records found: If you enter any incorrect details, the screen will display ‘No records found’ status. Re-enter the correct details to get the status complete status.

SBI Credit Card IFSC Code

SBI Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. The applicant can do this by adding the credit card as a beneficiary.

  • SBI Credit Card IFSC Code is SBIN00CARDS
  • The first four characters SBIN reflects the bank's name and the fifth character zero is kept aside for potential use.
  • The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills
  • Ideally this card is same for all credit cardholders.

Benefits of SBI Credit Card IFSC Code

  • This code is the primary source to pay an outstanding credit card bill
  • This cold is useful for the applicants to pay bills in a convenient manner from anywhere in the world
  • This code is useful to make secure payments without any risk
  • This code is useful for those who don't have savings account with the credit card holding bank.

How to know SBI Credit Card IFSC Code?

  • To know about SBI Credit Card IFSC Code, an applicant have to go through an easy and simple process.
  • This code can be found online on various websites.
  • Applicant can also directly contact to the bank for the same.
  • Use of correct IFSC Code is very essential in order to avoid any kind of troubles.
  • The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow SBI Credit Card bill payment via NEFT.
  • Apart from the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.

Process to pay credit card bill using IFSC Code

Credit cardholders who do not have SBI Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete

  • Log in to the SBI Bank Netbanking with your Username and Password
  • Register your credit card as a beneficiary
  • Make the payment using NEFT to the credit card

Enter the branch details that are listed below to make your payment complete:

  • Bank: State Bank Of India
  • Branch: SBI Credit Card Neft
  • IFSC Code: SBIN00CARDS
  • State: Maharashtra
  • District: Raigad
  • City: Mumbai
  • Branch Code: 0CARDS (Last 6 Characters of the IFSC Code)
  • Address: Payment Systems Group, State Bank Gitc, Cbd Belapur, Navi Mumbai
  • Phone number: 022-27561665

What are the charges of SBI Credit Card?

The following are some of the important charges of SBI Credit Card

Card Replacement Fees: Rs 100
Late Payment Charges: Rs 100 – Rs 750
Foreign Transaction Fees: 3.5%
Cash Payment Charges: Rs 100
Over Limit Fees: 2.5% of the over-limit amount (minimum of Rs 500)
Cash Advance Fee: 2.5% of the transaction (minimum of Rs 300)

SBI Credit Card Pin Generation

To avail the unique benefits of ATM transaction like withdrawing cash, view the details for all your accounts, transfer money, change mobile number and much more, applicants are required to generate PIN for the Net Banking and ATM facility provided State Bank of India. Applicants can generate their credit card Pin through ATM and Net Banking. Below given steps are for online PIN Generation. Go through all the steps to make your process complete

SBI Credit Card PIN Generation through ATM

  • Visit the nearest SBI ATM and insert your credit card in the ATM machine
  • Select your preferred language to begin the process
  • Click on Create PIN Using OTP,
  • Now you will receive an OTP, on your registered mobile number
  • Enter the OTP on the required section
  • Now you can enter the 4-digit PIN of your choice
  • Retype the Pin on the required section and click on Submit
  • Now you will get a successful message on your registered mobile number

SBI Credit Card PIN Generation through Net Banking

  • Visit the site https://www.sbicard.com/
  • Click on Login, which is located on the right side of the page
  • Log in to your account with your Net Banking Id and Password
  • Click on Credit Card Requests
  • Now you will receive an OTP, on your registered mobile number
  • Enter the OTP on the required section
  • Now you can enter the 4-digit PIN of your choice
  • Retype the Pin on the required section and click on Submit
  • Now you will see a successful message on the screen

SBI Credit Card PIN Generation through Toll-Free Number

  • Call the tollfree number 1860 180 1290
  • Select your preferred language to begin the process
  • For SBI Card Pin Generation, choose option 6
  • Provide your SBI Credit Card Details and Date of Birth
  • Now you will receive an OTP, on your registered mobile number and email id
  • Now you can enter the 4-digit PIN of your choice
  • Now you will get a successful message on your registered mobile number

Note

  • To generate your SBI Credit Card PIN, your mobile number must be registered with the bank. Please contact your SBI branch for registering mobile number if not registered already.
  • In case, you are not able to generate Credit Card PIN, please contact the branch or call contact Center helpline 1860 180 1290 for requesting physical PIN mailer.

SBI Credit Card App

SBI Card App is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Log in with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your SBI NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of SBI Credit Card App and how to use it.

Benefits of SBI Credit Card App

  • View all your credit card transactions
  • Get e-statement for all your credit card transaction
  • Get access to upgrade your credit card limit
  • Get access to report your lost credit card
  • Get an option to block your card in case of any fraudulent activity
  • Get access for card replacement request
  • Change your credit card pin, anytime anywhere
  • Get all SBI Credit Card offers in the app
  • Manage your all accounts at one place
  • Get access to request for a loan
  • Get access to check your passbook
  • Transfer your fund from one bank to another more conveniently
  • Get notified for your credit card dues
  • Get notified for all your transactions
  • Get access to pay all your bills
  • Get 24x7 customer support
  • Check your credit card status
  • Get all personalized alerts and reminders
  • Stay updated with your reward points balance
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Pay your Insurance, DTH Bills, Mobile Bills and Utility Bills
  • Check the status of your applied check.
  • Now make your travel more friendly and book your flight, bus and hotels by E-Store
  • Get 100% online security on your card
  • Add or manage beneficiary as per you want.
  • With enhanced security of Fingerprint Id make your transaction more convenient and hassle-free
  • Scan to Pay – Make payments at Bharat QR enabled merchants
  • Flexipay – Pay back your big purchases in flexible instalments
  • Encash – Fulfill your extra cash requirements
  • Raise your complaints using “Mailbox” feature on App

Register and Download SBI Card App

  • Go to Playstore or Appstore and search for SBI Card App
  • Tap on the install icon and download the app
  • Tap on New to SBI Card? Sign Up
  • Now click on Link Device
  • Enter your credit card details and click on Continue
  • On the next page enter your email id and mobile number for verification
  • On step 2, Create a new password and click on Update Password
  • On the next page, you will see the successful message, click on Take me to Login and explore SBI Card App

Which SBI Credit Card is Best

Among all the credit cards of SBI Bank some of the decent selected credit cards are listed below with its own core characteristics. Every card has unmatchable benefits of offers, advantages and cost. Go through all the selected credit cards described below and choose the best one that suits your personality.

SBI Card Prime- Get Complimentary Trident Privilege Red Tier Membership (Joining Fees- Rs 2999, Annual Fees- Rs 2999)

BPCL SBI Card- Get Up to 4.25% value back at BPCL petrol pumps (Joining Fees- Rs 499, Annual Fees- Rs 499)

Mumbai Metro SBI Card- Get top-up of Rs.200 on the smart card when balance comes down to Rs.50 (Joining Fees- Rs 499, Annual Fees- Rs 499)

Yatra SBI Card- Spend a minimum of Rs 3000 on domestic hotel booking and get 20% off. (Joining Fees- Rs 499, Annual Fees- Rs 499)

IRCTC SBI Platinum Card- Get 10% cashback as Reward points when booking AC1, AC2 and AC CC tickets on irctc.co.in ( Joining Fees- Rs 500, Annual Fee- Rs 300)

SBI Card Elite- Get complimentary movie tickets worth Rs.6,000 every year (Joining Fee- Rs 4999, Annual Fees- Rs 4999)

Air India SBI Signature Card- Get complimentary access to over 600 international luxury airport lounges through Priority Pass Program (Joining Fees- Rs 4999, Annual Fees- Rs 4999)

SBI STYLEUP Contactless Credit Card- Get 10% discount round the year when shopping at FBB and Big Bazaar stores (Joining Fees- Rs 499, Annual Fees- Rs 499)

SimplySave SBI Credit Card- Get 10X Reward Points on Dining, Movies, Departmental Stores and Grocery Spends (Joining Fees- Rs 499, Annual Fees- Rs 499)

Air India SBI Platinum Card- Get complimentary membership to Air India’s Frequent Flyer Program-Flying Returns (Joining Fees- Rs 1499, Annual Fees- Rs 1499)

SimplyCLICK SBI Card- Get 10X Reward Points on shopping with exclusive partners like Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart and OLA (Joining Fees- Rs 499, Annual Fees- Rs 499)

SBI Credit Card Offer

Shop with your SBI Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get advantage on the deals and online offers. Scroll down and get in touch with all the deals and weekly offers

Grofers

  • Spend a minimum of Rs 1500 and get up to Rs 200 discount
  • Use Promo Code- SBI200
  • Offer is valid till- 29th March 2020

More Megastores and Supermarkets Offers

  • Spend a minimum of Rs 2000 and get 5% cashback up to Rs 500
  • Offer is valid till- 6th March 2020

Adda247 Offers

  • Shop at adda247.com and get 50% off on all E -Books and Test Series.
  • Promo Code- SBI50
  • No minimum amount is required to avail the offer
  • Offer is valid till- 31st March 2020

Zoomcar Offer

  • Get 20% off on car bookings at Zoomcar
  • Get a maximum discount of Rs 1500
  • Coupon Code- ALINVISA
  • Offer is valid till- 31 March 2020

Jockey Offer

  • Spend a minimum of Rs 1999 and get Rs 300 cashback
  • Offer is valid till- 31 January 2020

Subscription at Whitehatjr.com

  • Get up to Rs 11000 off on subscription at Whitehatjr.com
  • Offer is valid till- 31 January 2020

Swiggy Offer

  • Spend a minimum of Rs 500 and get 20% off up to Rs 125 per transaction
  • Offer is valid once per week for a card
  • Offer is valid till- 26th March 2020
  • Promo Code- SBI125

Discount at TBZ

  • Spend a minimum of Rs 30000 at TBZ stores and get 35% Off on Making Charges of select Diamond jewellery and 20% Off on Making Charges of select 22kt Gold jewellery with SBI Credit card.
  • Offer is valid till- 15 March 2020

Apollo Pharmacy Discount Offer (Offer is valid till- 31 March 2020)

Shop at Apollo Pharmacy and get:

  • 10% off on medicines (except DPCO Products)
  • 5% off on FMCG
  • 10% off on Apollo Products
  • Promo Code- Apollo SBI Credit Card – 6575
  • Offer is valid till- 31 March 2020

Happi Mobile Store Offer

  • Shop at Happi Mobile Store and get 5% cashback
  • Spend a minimum of Rs 15000 to avail the cashback
  • Get a maximum cashback up to Rs 2000
  • Offer valid period- 24th Dec till 22nd January 2020

UrbanClap Offer

  • 10% Instant Discount on Salon for Women, Salon for Men, Massage for Men, Spa for Women, Sofa Cleaning, Kitchen Cleaning and Full Home Cleaning categories
  • Promo Code- UCSBI10
  • Get a maximum off up to Rs 100 per card
  • Offer valid period- 24 December 2019 to 31 January 2020

Iconic Stores Offer

  • Purchase at Iconic Stores and get 5% cashback
  • Spent a minimum of Rs 5000 to avail the cashback
  • Get a maximum cashback up to Rs 750
  • Offer valid period- 20th Dec 2019 – 31st Jan 2020

Pantaloons Store Offer

  • Spent a minimum of Rs 6000 at Pantaloons Store and get 5% cashback
  • Get a maximum cashback up to Rs 750 per card
  • Offer valid period- 18th Dec 2019 – 26th Jan 2020

Toonz Store Offer

  • Spent a minimum of Rs 2000 at Toonz Store and get 5% cashback
  • Get a maximum cashback up to Rs 500 per card
  • Offer valid period- 15th Dec 2019 – 31st Jan 2020

Bluestone Offer

  • Shop at www.bluestone.com and stores and get 5% discount
  • Spend a minimum of Rs 5000 to avail the offer
  • Get a maximum discount of Rs 2020
  • Promo Code- SBICARD
  • Offer valid period- 14th Dec ’19 to 19th Jan’20

International Shopping Festival Offer

  • Top 100 Spenders get vouchers worth Rs. 18,999 ( Rs. 12,000 Thomas Cook voucher + Rs. 3,000 Joyalukkas voucher + Rs. 3,999 Magzter voucher )
  • Next Top 200 Spenders get vouchers worth Rs. 15,999 ( Rs. 12,000 Thomas Cook voucher + Rs. 3,999 Magzter voucher )
  • Next Top 2700 Spenders get Thomas Cook vouchers worth Rs. 12,000
  • Spend in foreign currency during the offer period to avail the offer

VIP Bags Offer

  • Spend a minimum of Rs 7999 on VIP Bag stores and get 5% cashback
  • Get a maximum cashback up to Rs 1000 per card
  • Offer is valid till- 29th February 2020
  • Offer is eligible for all SBI credit card excluding corporate credit card

Accelerated Reward Offer

  • Spent a minimum of Rs 100 on Goomo and get 5 reward points
  • Spend a minimum of Rs 100 on New U and get 5 reward points
  • Spend a minimum of Rs 100 on Samsung and get 5 reward points
  • Spend a minimum of Rs 100 on Victorinox and get 5 reward points
  • Offer is valid till- 31st January 2020

OYO Offer

  • Spend a minimum of Rs 1000 at OYO Platform and get 10% cashback
  • Get a maximum cashback up to Rs 500
  • Offer is valid for booking made from 1st to 10th January 2020
  • Offer is valid on OYO Hotels & Homes realized bookings and for check-ins till 31st January 2020.
  • Offer is eligible for all SBI credit card excluding corporate credit card

Reward Points Offer

  • Redeem your reward points at a merchant store near you
  • Offer is valid on merchant stores like New U and Victorinox
  • 1 reward point= 20 paise
  • Offer is valid till- 31st January 2020

Honda Two Wheeler Offer

  • Make your two-wheeler purchase and get 5% Cashback on Honda Two-wheelers
  • Spend a minimum of Rs 40000 to avail the offer
  • Get a maximum cashback up to Rs 4000 per card
  • Offer is valid only on EMI transaction
  • Offer is valid till- 29th February 2020
  • 14% rate of interest applicable on monthly reducing balance for 3,6,9,12 Month EMI transactions
  • 15% rate of interest applicable on monthly reducing balance for 18 & 24 Month EMI transactions.

Yatra Offer

  • Spend a minimum of Rs 15000 and get a maximum discount of Rs 1500 on domestic flight bookings
  • Spend a minimum of Rs 30000 on International Flights and get 10% discount up to Rs 7000
  • Spend a minimum of Rs 2000 on Domestic Hotels and get 10% discount up to Rs 1000
  • Spend a minimum of Rs 25000 on Holidays and get 10% discount up to Rs 5000
  • Offer Code- YBOFSBI
  • Offer is valid once per card

MI Offer

  • Get up to Rs 2000 on selected MI products
  • Get flat Rs 750 cashback on MI A3 mobile
  • Get a flat cashback of Rs 2000 on Redmi K20 and K20 pro models
  • Get a flat cashback of Rs 750 on Redmi Note 7 pro variants
  • Get a flat cashback of Rs 750 on Redmi Note 8 variants
  • Get a flat cashback of Rs 1000 on Redmi Note 8 pro variants
  • Get a flat cashback of Rs 750 on MI TV – 32inch
  • Get a flat cashback of Rs 1000 on MI TV- 40inch, 43inch
  • Get a flat cashback of Rs 1500 on MI TV- 50inch, 55inch, 65inch
  • Get a flat cashback of Rs 750 on MI Air Purifier
  • Get a flat cashback of Rs 750 on MI Water Purifier
  • Offer is valid till- 9th February 2020

MI Offer

  • Spend a minimum of Rs 18,999 on Xiaomi products and get Rs 2000 cashback
  • Purchase MI K20 and MI K20 pro at Mi.com, Amazon or Flipkart and get Rs 2000 off
  • Offer is valid on EMI transactions
  • Offer is valid till- 17th January 2020

CMR Shopping Malls

  • Spend a minimum of Rs 2500 and get 5% cashback at CMR and Chandana Brothers Shopping Malls.
  • Get a maximum cashback of Rs 1000
  • Offer is valid till- 30th January 2020
  • Offer is valid on all SBI Credit Cards except corporate cards

Electricity Bill Payment Offer

  • Spend a minimum of Rs 3000 on your electricity bill payment and get Rs 100 cashback
  • Get a maximum cashback of Rs 100 per card
  • Offer is applicable on Non-SI transactions only
  • Offer is valid till- 10th February 2020

OnePlus Offer

  • Get up to Rs 6000 cashback on EMI transactions on select OnePlus mobiles and TVs
  • Get Rs 2000 cashback on OnePlus 7 Pro for a minimum transaction of Rs 36000
  • Get Rs 1000 cashback on OnePlus 7T for a minimum transaction of Rs 30000
  • Get Rs 3000 cashback on OnePlus 7T Pro for a minimum transaction of Rs 45000
  • Get Rs 5000 cashback on OnePlus TV Q1 for a minimum transaction of Rs 59000
  • Get Rs 6000 cashback on OnePlus TV Q1 Pro for a minimum transaction of Rs 85000
  • Offer is valid till- 29th February 2020
  • Offer is valid on all SBI Credit Cards except corporate cards

Metro Offer

  • Spend a minimum of Rs 7000 and get 5% Cashback at Metro Cash & Carry stores
  • Get a maximum cashback up to Rs 500
  • Offer is valid till- 26th January 2020
  • Offer is valid on all SBI Credit Cards except corporate cards

Great Eastern Offer

  • Spend a minimum amount of Rs 12000 and get 5% Cashback at Great Eastern Retail Pvt ltd stores
  • Get a maximum cashback up to Rs 2000 per account
  • Offer is valid till- 29th January 2020
  • Offer is valid on all SBI Credit Cards except corporate cards

Goibibo Offer

  • Spend a minimum of Rs 3000 on Domestic Flight booking and get 10% off up to Rs 1200 (Promo Code- GOSBI)
  • Spend a minimum of Rs 30,000 on International Flight booking and get 10% off up to Rs 7500 (Promo Code- GOSBI)
  • Spend a minimum of Rs 2000 on Domestic Hotel booking and get 35% off up to Rs 5000 (Promo Code- HOTSALE)
  • Spend a minimum of Rs 5000 on International Hotel booking and get 10% off up to Rs 5000 (Promo Code- GOINTH)
  • Offer is valid till- March 29, 2020
  • Offer is valid on EMI transactions on SBI credit card.

FAQ'S

Q:Should the SBI Credit Cardholders pay the credit card bill in full?

A: The cardholders of SBI can always try to pay the due amount in full every month, before the due date. Failing to do so will attract unnecessary interest or penalty charges. It is always better for the credit cardholders to pay their bills before the due date. If in case, you fail to do so, you will need to pay the extra interest amount for the outstanding balance amount. 

Q: Can I convert SBI credit card reward points into cash?

A: There are a few SBI credit cards that would allow you to pay your card outstanding using the reward points. For instance, SBI Card Prime, SBI Card Elite, and SBI SimplySAVE Advantage allow you to redeem your reward points against card outstanding. On all these cards, you can redeem Rs.1 for every 4 reward points.

Q: Can I use my card to withdraw money?

A: Yes, you can withdraw the cash with your credit card. You can withdraw a maximum of Rs.15,000 per day with your credit card. SBI provides the overall cap on cash withdrawal is 80% of your total credit limit. You need to remember that taking a cash advance will collect a finance charge of up to 3.35% per month.

Q: Which transactions are not eligible to earn Reward Points on my SBI credit card?

A: Although you can earn Reward Points on most of your purchases, certain transactions are not eligible to earn points. These include balance transfer, cash advance, disputed transactions, Financial charges, and others.

Q: How many types of credit cards does SBI provide?

A: The State Bank of India is the largest public sector bank in India. SBI currently offers 5 categories of credit cards as listed below:
1. SBI Travelling credit cards
2. SBI Shopping credit cards
3. SBI Banking partnership credit card
4. SBI rewards credit card
5. SBI lifestyle credit card

Q: How I can use my SBI credit card abroad?

A: Before you go abroad, you need to activate your credit card for international transactions. Log in to your SBI online banking account to activate the international credit limit on your card.

Q: What are the benefits of SBI credit cards?

A: SBI offers credit cards with attractive features. All credit cards from SBI offers a range of benefits as follows:-
1. With the balance transfer feature, you can avoid paying interest on multiple cards. You can transfer your outstanding amounts from other cards to your SBI card at a low rate of interest.
2. You can register and pay your utility bills, insurance premiums, and electricity and telephone bills.
3. Cardholders enjoy facilities which provide SBI like emergency travel assistance, banking protection, free replacement of lost card, and more.
4. You can access your SBI card account online or download the SBI Card mobile app. Make bill payments, check your outstanding balance, and more anytime, anywhere.

Q: How can SBI credit card help to encash the limit?

A: SBI credit card can be very helpful, you can use it if you need additional funds for an emergency purpose. with the SBI encash facility you can get quick access to funds. You can get the amount within your credit limit or above it will be transferred to your account number within 48 hours. Repayment of the funds can be made in 1, 2 or 3-years instalments.

Q: What is SBI balance transfer?

A: SBI Balance transfer means nothing but paying the balance on your other cards with your SBI credit card. You can transfer the outstanding amount to other cards by using SBI credit card at a low rate of interest. SBI provides two types of balance transfer plans you can choose anyone from these two 0% interest rate for 60 days. Processing fee of 2% or Rs.199, whichever is higher, is applicable. 1.7% interest per month for 180 days. The processing fee is waived off.

Q: How can I pay my SBI credit card bill?

A: SBI provides various options to pay your credit card bill. Based on your convenience you can use any of the following methods to pay the credit card bill.
Online bill payment: By using net banking facility you can pay the credit card bill.
Mobile app: Pay your credit card bill on the go with the SBI mobile app or YONO app.
Offline bill payment: You can pay your credit card bill through SBI ATM or You can visit any State Bank of India branch to pay your card bill.

Q: Does SBI provide any app for SBI credit card?

A: Yes, SBI Card has an exclusive app which is available for users of both Android and iOS Users. Once you download the app, you can register and access your credit card account details, raise card related requests, perform transactions, and place requests for other SBI products.

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