SBI Credit Card Bill Payment

You can conveniently make your SBI credit card bill payment online using multiple secure methods. Here is an overview of these methods:

• Pay via Paynet

Use SBI Card’s net banking portal to make quick payments by following these steps:

1. Visit www.sbicard.com and log in using your SBI Card user ID and password

2. Click the ‘Pay Now’ button on the Dashboard

3. Select the payment amount: total due, minimum due, or a custom amount

4. Choose your preferred payment mode and bank from the dropdown

5. Review the details and proceed to your bank’s secure page to authorise the payment

Once completed, the amount will be debited instantly. You will receive a confirmation SMS with the transaction reference number.

• Pay via the SBI Card’s Mobile App

Make your SBI credit card bill payment conveniently through the SBI Card mobile app. Follow these steps:

1. Download the SBI Card mobile app from your phone’s application store (Apple iOS, Android or Windows app store) and log in

2. Tap ‘Pay Now’ on the summary page

3. Enter or update your registered mobile number and email ID

4. Select the amount you wish to pay

5. Choose your preferred payment mode and bank from the list

6. Authorise the payment to receive instant confirmation

• Pay Using NEFT

You can pay your SBI credit card outstanding through NEFT using any bank account. Simply follow these steps:

1. Log in to your bank’s net banking portal

2. Add SBI Card as a beneficiary under Third Party Transfer with the following details:

1. Select the Beneficiary Account Type as Credit Card Payment or Savings Account.

2. Click Submit to complete the registration.

Note: You can make payments from any bank account (Except SBI) that offers the NEFT facility.

• Pay Your SBI Credit Card’s Outstanding Bill Using UPI

1. Visit the official website or Mobile App and choose Paynet payment mode, or click PAY NOW.
   Enter your 16-digit card number, payment amount, and select UPI as the payment option.

2. On the UPI page, choose either:

   1. UPI App: Authorise the payment using your UPI PIN when the app opens.

   2. QR Code: Select UPI, scan the QR code, and confirm the transaction in your UPI app.

Once completed, the payment is instantly updated on your card account, and you’ll receive a confirmation SMS.

Register on BHIM SBI Pay

1. Download BHIM SBI Pay from Google Play Store

2. Install the app and register with your mobile number linked to your bank account

3. Create a Virtual Payment Address (VPA) with the SBI handle, e.g., name@sbi

4. Link your bank account and set your UPI PIN

5. Use this VPA for transactions without sharing bank details

Pay SBI Card Bill via BHIM SBI Pay

1. Select Pay by VPA and enter: sbicard.[16-digit card number]@sbi (Example: sbicard.4726420123456789@sbi)

2. Enter the payment amount and click Go.

3. Verify with your MPIN and click Submit to complete the payment.

You can pay your SBI credit card bill without using the internet through several secure offline options offered by the issuer. These include over-the-counter payments, cheque drop, and ATM transactions.

• Pay Over the Counter (OTC) at an SBI Branch

Visit your nearest SBI branch to pay your credit card bill directly by following these simple steps:

1. Fill out the pay-in slip with your credit card details and payment amount

2. Submit it with the payment at the counter

3. Collect the acknowledgement receipt as proof of payment

• Pay via Cheque

Drop your cheque in any authorised 175+ drop boxes across India. However, ensure to implement these measures:

1. Mention your 16-digit SBI credit card number as the payee: SBI Card No. XXXX XXXX XXXX XXXX

2. Write your name and contact number on the back of the cheque

3. Ensure all cheque details—amount, date, and signature—are correctly filled in

Note: 

• Drop box clearance timings: Monday to Friday : 12:00 pm - 3:00 pm and Saturday : 10:00 am - 12:30 pm

• Read the instructions of use on the official website before you proceed. 

• You can locate your nearest drop-box by visiting: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/contact-us/personal/drop-box-address.pdf

• W.e.f 1st Jan ’20, a fee of ₹100+ taxes is payable for payment towards your outstanding amount made by cheque. This fee is not applicable for senior citizens.

• Pay at the ATM

Use any nearby SBI ATM to pay your credit card bill using your SBI debit card. Here is how:

1. Insert the card and navigate to the ‘Bill Pay’ section

2. Enter your SBI credit card number and the payment amount

3. Collect the transaction receipt as proof of payment

The table below outlines the estimated processing time for each SBI credit card bill payment method:

Paying your SBI credit card bill on time offers several financial and credit-related advantages:

• Improves credit score by maintaining a consistent repayment record

• Helps you avoid late fees and high interest on outstanding amounts

• Ensures your full credit limit remains available when needed

• Enhances your financial credibility with lenders

• Preserves access to rewards, upgrades, and exclusive offers

• Aids in effective debt management and financial discipline