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How to Check SBI Credit Card Balance

Just like any credit card, SBI cards come with a fixed credit limit. Hence, while using an SBI credit card on a regular basis, it is imperative to conduct a routine SBI credit card balance check. This practice is crucial to ensure limited spending within the set credit limit. You can opt for both an online or offline way to do an SBI card balance check as per your preference and keep a check on your SBI credit card usage easily.

Different Methods to Check SBI Credit Card Balance

You can check your SBI credit card balance in a simple and hassle-free manner by choosing any of the options available under the online and offline process. Read the list mentioned below and choose any one option to check your SBI credit card balance.

1. SBI Credit Card Balance Check: Online Procedure

2. SBI Credit Card Balance Check: Offline Procedure

After selecting the SBI card balance checking option, you must follow the steps mentioned below to complete the process.

Ways to Check SBI Credit Card Balance Online 

1. Via SBI Credit Card Netbanking

SBI offers its customers a convenient option to use its net banking services. As an SBI credit card holder, you can open an online account on the platform to manage your credit card transactions, initiate an SBI credit card balance check, make bill payments, etc. To check your credit card balance via SBI credit card netbanking, simply follow these steps:


  • Step 1: Visit the official SBI Card website at www.sbicard.com.

  • Step 2: Click on ‘Login’ and enter your User ID and password.

  • Step 3: After logging in to the portal, you will be able to view the account summary and check your SBI card balance online.

2. Via the SBI Mobile App

Another simple method to check the SBI credit card balance online is to do it via the SBI mobile app. One of the greatest benefits of this method is that the app allows you to easily check your SBI card balance online whenever and wherever you want. Just follow the below-mentioned steps:


  • Step 1: Download the SBI Mobile App.

  • Step 2: Log in using your SBI Mobile Banking User ID and password. If you are a new user, you might have to register for SBI Mobile Banking first.

  • Step 3: Once you log in successfully, you will see a lot of credit card-related information on the home screen such as your credit card limit, cash limit, outstanding balance, previous transactions, and more.

3. Downloading the SBI Credit Card Monthly Statement via Email

You can subscribe to the e-statement facility and get a monthly credit card statement on your registered email address. You can access a virtual copy of your credit card statement by entering a secured password. Login to netbanking with your credentials and subscribe to the e-statement facility via chatbot ILA. Once requested, you will receive a credit card statement via mail every month.

Ways to Check SBI Card Balance Offline

1. Via SMS Banking Service

One of the easiest methods to check your SBI card balance offline is via the ‘Simply SMS’ service offered by the bank. This method requires you to send an SMS to the bank from your registered mobile number with the following format:

BAL <last four digits of your SBI credit card number> to 5676791

2. Visiting the Nearest SBI ATM

You can check your SBI credit card balance at an ATM by following the steps mentioned below:


  • Step 1: Visit your nearest SBI ATM.

  • Step 2: Insert your card into the ATM machine and select the option to check ‘Credit Card Account Balance’.

  • Step 3: Enter your credit card PIN to authenticate your request.

The credit card balance will appear on the ATM screen.

3. Visiting the Nearest SBI Branch

You can visit the nearest SBI branch and get in touch with the bank’s executive to check your SBI card balance. You must provide details such as your credit card number, PIN number, date of birth, etc., to process the request.

4. Via SBI Customer Care

If you prefer to know your SBI credit card balance through voice-recorded updates, you must call the SBI credit card customer care or helpline numbers. Here are the simple steps you can take to complete the credit card balance checking process:


  • Step 1: Call one of the SBI helpline numbers at 1860 180 1290 (toll-free) or 39 02 02 02 (local STD code as prefix).

  • Step 2: Select the preferred language for communication.

  • Step 3: Next, press ‘1’ to get credit card-related information.

  • Step 4: When prompted, press ‘1’ again to enter the required card details.

  • Step 5: When accepted, you can listen to your credit card account-related information on the phone.

Alternatively, you can also call SBI's 24X7 helpline number, i.e. 1800 11 2211 (toll-free), 1800 425 3800 (toll-free), or 080 2659 9990.

5. SBI Credit Card Balance Via Missed Call

The last offline method to check your SBI credit card balance is through SBI’s missed call service. If you have your current mobile number registered with your credit card, you can easily utilise this facility. You simply need to give a missed call at the following number to 84228 45512.


You will soon receive information related to your SBI card balance via SMS on your registered number. This service is provided free of charge and as a cardholder, you do not need to register separately to make use of the missed call service. You can make the call from anywhere in the country and the number will be available to provide up to 50 responses on any given day


Now that you know how to check SBI credit card balance, you can get the information whenever and wherever you prefer.

FAQs about How to Check SBI Credit Card Balance

What is the SBI credit card balance enquiry number?

The SBI credit card balance enquiry number is 84228 45512.

Will there be a charge for online credit card balance checks?

No. The State Bank of India doesn’t not levy any charges for checking your credit card balance through either of the online or offline methods.

Will checking my credit card balance online have an impact on my credit score?

No. Checking your credit card balance through online or offline methods will have no impact on your credit score whatsoever.

What does "Simply SMS" mean?

‘Simply SMS’ is just a service that State Bank of India provides for all of its credit card holders. Through this SMS service, cardholders can get to know several key information about their credit cards such as their current credit card balance, the total amount due and last payment received, among others. To make use of this unique service, all that you need to do is send this text - BAL <last four digits of your SBI credit card number> to 5676791 as an SMS.

Is it possible to use missed call service for two credit cards that have the same registered number?

Unfortunately, the missed call service can only be used for one credit card. To get to know any information related to the other card mapped to the same registered mobile number, you can log into your SBI credit card netbanking or use any of the other online or offline methods.

Is there a limit to how many inquiries can be made in a day?

Yes. You can make a maximum of 50 inquiries in a single day from your registered mobile number if you’re using the SMS facility. However, there’s no limit to the number of SBI credit card balance checks that you can make if you’re doing it online.

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