SBI Card Customer Care – Toll Free Number, Email ID, and Support Options

When you face an urgent issue with your credit card, quick support matters. SBI Card offers 24×7 customer care numbers so you can get help anytime, whether it is day or night.

You can call the SBI Card helpline on 39-02-02-02. Make sure you prefix your local STD code before dialling this number from your landline or mobile.

You can also call the toll-free numbers:

• 1860-180-1290

• 1800-180-1290
   

These numbers connect you directly to the SBI Card’s customer care team. You can use them for common concerns such as:

• Checking your outstanding balance

• Understanding your latest statement

• Blocking a lost or stolen card

• Reporting unauthorised or fraudulent transactions

• Enquiring about reward points or EMI conversions
   

If you suspect fraud or notice any transaction that you did not authorise, call the helpline immediately. Acting fast can help prevent further loss and protect your account.

Before you call, keep your card details, registered mobile number, and basic personal information ready. This helps the executive verify your identity quickly and resolve your issue without delay.

Sometimes, you may not want to call customer care. In such cases, sending an email can be a simple and clear way to raise your concern. SBI Card allows you to contact their support team through email for queries, complaints, or reporting issues.

You can write to customercare@sbicard.com for general enquiries and service requests.

Email support works well when:

• You want to keep a written record of your complaint

• You need to attach documents, such as your statement or transaction details

• Your issue is not urgent and does not require immediate action

• You want to clearly explain billing errors or disputed transactions

If you notice any unauthorised transaction or suspect fraud, you should first block your card by calling the 24×7 helpline. After that, you can send a detailed email to the SBI Card customer care email ID with the transaction date, amount, and your contact details.

When writing your email, keep your message simple and clear. Mention your full name, the last four digits of your card, your registered mobile number, and a short explanation of the issue. Avoid sharing your full card number, CVV, PIN, or OTP in the email.

Here are the dedicated SBI Card customer care support options you can use for different services and urgent requests:

• Lost or Stolen Card

If your card is lost or stolen, call the 24×7 helpline immediately or block it via SMS by sending BLOCK XXXX to 5676791 from your registered mobile number.

• Block/Unblock Support

You can block or unblock your SBI Card through the IVR, official website, or customer care to prevent misuse or restore usage after verification.

• Billing, Charges, and Statement Queries

Contact SBI Card customer care to understand your monthly statement, clarify interest charges, late fees, or raise disputes on incorrect transactions.

• EMI, Rewards, and Offers Support

Reach out to the support team for help with converting purchases into EMIs, checking reward points balance, or understanding available cashback and special offers.

Here is how you can use the SBI Card customer care IVR system to resolve your queries quickly without waiting for a representative:

Start the Call and Select Language

Call the SBI Card customer care number and choose your preferred language to begin the IVR process.

Choose Your Main Query Type

Select the option that matches your need, such as card information, lost card, dispute, application status, or PIN services.

Access Card Information Services

If you select card information, you can check your account details, recent activity, and available credit limit.

Block a Lost or Stolen Card

If your card is lost or stolen, choose the blocking option to stop any unauthorised use immediately.

Report Unauthorised Transactions

Select the dispute option to report suspicious or unauthorised transactions safely.

Track or Apply for a Card

Use the application option to check your card status or apply for a new SBI Card using your reference number.

Generate or Reset Your PIN

Choose the PIN option and verify your details with an OTP to set or reset your card PIN securely.

Activate Your Card

Select the activation option and enter your card details, date of birth, and OTP to start using your card.

Update Your Registered Mobile Number

Use the update option to change the mobile number linked to your SBI Card account.

Track a Complaint or Service Request

Select the service request option to check the status of an existing complaint.

Manage Online and Contactless Transactions

Choose the relevant option to resolve OTP issues or activate online and contactless payments.

Speak to a Customer Care Executive

Press the option to connect with a customer care adviser if you need personalised assistance.

Here are the simple steps to use the SBI Card mobile app to manage your card, check balances, and resolve issues quickly and securely:

1. Download the official SBI Card mobile app from the Google Play Store or Apple App Store

2. Log in using your registered mobile number and complete the verification process

3. Check your credit card balance directly from the home screen

4. View and download your latest and past statements whenever needed

5. Track your reward points to see how much you have earned

6. Convert eligible purchases into easy EMI options within the app

7. Raise service requests for any card-related issue in just a few taps

8. Block or unblock your card instantly if it is lost, stolen, or misplaced
    

For quick answers, use the chat option available in the app or on the official SBI Card website. The virtual assistant handles common queries such as billing dates, payment status, and recent transactions. If your issue needs more help, you can connect with a customer care executive through the same platform.

Here are the official ways you can raise, track, and escalate your grievance with SBI Card if your issue remains unresolved:

How to Register a Complaint

You can raise a complaint with SBI Card customer care by calling 1860-500-1290, 1860-180-1290, 39-02-02-02 (with your local STD code), or 1800-180-1290.

Customer Care Timings

Customer care executives are available from 8 AM to 8 PM, Monday to Saturday, while emergency services such as card blocking are available 24×7.

Email and Online Complaint Options

You can also send your complaint to customercare@sbicard.com or submit a request through the official SBI Card website or mobile app.

Tracking Your Complaint Status

Once your complaint is registered, you will receive a reference number that helps you track the status of your request.

Escalate to the Nodal Officer

If you are not satisfied with the response, you can escalate the matter to the Nodal Officer at Nodalofficer@sbicard.com or call 1860-180-7777.

Contact the Principal Nodal Officer

If your issue is still not resolved, you can write to the Principal Nodal Officer at principalNodalOfficer@sbicard.com for further review.

Internal Ombudsman Review

If your complaint is partly or fully rejected, SBI Card may refer it to an Internal Ombudsman for an independent review.

Approach the RBI Ombudsman

If your complaint is not resolved within 30 days, you can approach the Ombudsman under the Reserve Bank of India – Integrated Ombudsman Scheme 2021.

Complaint Resolution Time

Most regular complaints are resolved within seven working days, but chargeback and fraud cases may take longer due to detailed investigation.

Zero Liability for Unauthorised Transactions

If you report an unauthorised transaction within three working days and there is no negligence from your side, you may have zero liability in many cases.

Tips for Faster Resolution

Always share correct transaction details and keep your complaint reference number safe to ensure quicker and smoother resolution.

If your issue remains unresolved after contacting SBI Card customer care, you can follow the structured escalation matrix below to seek a higher level review:

Level 1: Customer Care

This is your first point of contact for any complaint, query, or service request.

You can call 1860-500-1290, 1860-180-1290, 39-02-02-02 with your local STD code, or 1800-180-1290 to speak with a customer care executive.

Executives are available from 8 AM to 8 PM, Monday to Saturday, while emergency services operate 24×7.

You can also email customercare@sbicard.com or raise a request through the official SBI Card website or mobile app.

Level 2: Nodal Officer

If you are not satisfied with the response at Level 1, you can escalate your complaint to the Nodal Officer for further review.

The Nodal Officer, Mr. Prosenjit Dhar, reviews escalated grievances and coordinates with internal teams to ensure fair resolution.

You can contact the Nodal Officer by calling 1860-180-7777 or by writing to:

DLF Infinity Towers, Tower C, 10th–12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002, Haryana.

Level 3: Principal Nodal Officer

If your grievance is still not resolved satisfactorily, you can escalate it to the Principal Nodal Officer for senior-level review.

The Principal Nodal Officer, Mrs. Rupali Bhardwaj, handles cases that require further examination at a higher authority level.

You can write to the same Gurgaon office address to initiate this escalation.

Level 4: RBI Ombudsman

If 30 days have passed since you first lodged your complaint and you are still not satisfied with the outcome, you can approach the Ombudsman under the Reserve Bank – Integrated Ombudsman Scheme 2021.

This external authority provides an independent review of your grievance and ensures fair treatment under regulatory guidelines.

SBI Card customer care executives are available from 8 AM to 8 PM, Monday to Saturday, to assist you with queries related to billing, statements, reward points, EMI requests, and other account services. For urgent matters such as reporting a lost card or unauthorised transaction, the emergency helpline remains available 24×7, including Sundays and public holidays.

If you call outside regular working hours for non-urgent issues, you can still use the IVR system to access basic account details and essential services without waiting for a representative.

Many people confuse SBI Card customer care with SBI Bank customer care, but both handle different services and use different helpline numbers.

• SBI Card customer care deals only with credit card services such as billing issues, reward points, EMI conversion, lost or stolen cards, and transaction disputes. You can contact SBI Card on 1860-500-1290, 1860-180-1290, 39-02-02-02 (with your local STD code), or 1800-180-1290 (toll-free).

• SBI customer care handles banking services such as savings accounts, current accounts, debit cards, loans, internet banking, and UPI transactions. You can contact SBI Bank on the following toll-free numbers: 18001234, 18002100, 1800112211, and 18004253800.
   

While both operate under the SBI brand name, SBI Card deals exclusively with credit card products, whereas SBI handles general banking services.

Before calling, identify whether your issue relates to your credit card or your bank account. Contacting the correct support team helps you avoid delays and get faster resolution.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.