SBI Credit Card Lost – Here’s What to Do Immediately

If your SBI Credit Card is lost or stolen, you should block it and request a replacement right away to reduce the risk of misuse. Here are the various ways to do this: 

Report Lost / Stolen Credit Card Via Website

On a lost or stolen card, you can block and reissue it through the official SBI Card website.

1. Visit sbicard.com and log in to your card account with your user ID and password.

2. Go to the 'Request' section in your logged‑in dashboard and choose the option related to 'Reissue/Replace Card'.

3. Select the card number that has been lost or stolen and submit the request to get it blocked and reissued'. 
    

Report Lost / Stolen Credit Card Via Mobile App

The SBI Card mobile app also offers a quick way to handle a lost or stolen credit card: 

1. Open the SBI Card mobile app and log in using your credentials.

2. Click on ‘Menu’ at the top left, then go to 'Service Request'.

3. Tap on the 'Reissue/Replace Card' option, select the affected card, and tap 'Submit' so the card can be blocked and reissued'. 
    

Report Lost / Stolen Credit Card Via IVR

If you are not near the internet, you can call the 24x7 phone helpline to report a lost or stolen SBI credit card: 

1. Dial 39 02 02 02 (with your local STD code) or 1860 180 1290 from your registered mobile number'.

2. Follow the IVR prompts to reach the option for lost/stolen card services, then choose to block and reissue your card.

3. Enter or confirm your card details as asked by the system and complete the process using keypad selections.

Blocking the lost card is your first defence against unauthorised transactions, and SBI Card provides multiple channels for doing this.

• Through the Official Website

Log in to sbicard.com, go to the 'Request' or relevant service section. Choose to block the lost card and raise a reissue/replace request in the same flow. 

• Using the Mobile App

Use the SBI Card app, select the lost card under 'Reissue/Replace Card' from the 'Service Request' menu. Submit the details to initiate the blocking of your existing credit card. 

• Calling the IVR Helpline

You can call the 24x7 helpline numbers and follow the automated menu to block your card instantly when reported as lost or stolen. 

• Sending an SMS (Quick Blocking)

You can send an SMS in the format BLOCK XXXX (where XXXX is the last 4 digits of your card) to 5676791 from your registered mobile number to block your card. 

Once you have completed the block request through any channel, the card is treated as blocked for further usage. You may receive a confirmation through SMS or on‑screen message, and you can then proceed to request a replacement card so that your card services continue with a new number and plastic.

After blocking a lost or stolen card, you can request a replacement card so that you can keep using SBI Card services with a new card. 

Through the Website

You can place a replacement request online in a few steps.

1. Log in at sbicard.com with your credentials.

2. Click on the 'Request' option in your account dashboard.

3. Click on the 'Reissue/Replace Card' option.

4. Select the card number that has been blocked and click 'Submit'.

5. A new card is then arranged for dispatch to your registered address. 
    

Delivery may take around seven working days and can take a bit longer depending on your location.

Through the Mobile App

The mobile app provides a similar process to reissue the card via your phone: 

1. Log in to the SBI Card mobile app.

2. Tap on teh tab titled ‘Menu’ at the top left‑hand corner.

3. Tap on 'Service Request', then choose 'Reissue/Replace Card'.

4. Select the card number for which you want a duplicate card and tap on 'Submit'.

5. The new card is then processed and sent to your address within the standard time frame. 
    

Other Methods

If you are not able to use digital channels, you still have alternative options. 

• Email: 

You may write to SBI Card using the customer service email ID customercare@sbicard.com, as mentioned on the official website. Here, you can explain your scenario and request a reissue /or replacement card against the lost or stolen card. 

• Call: 

You can also call the SBI Card helpline numbers 1860 180 1290 or 39 02 02 02 (prefix local STD code). Ask customer service to place a reissue request after blocking your card.

There is a reissue or replacement fee applicable when you request for a duplicate card. This typically falls in the range of about ₹100 to ₹250 plus taxes for most cards. Note that this can go up to ₹1,500 for certain premium variants. 

Once your request is accepted, a new card is usually dispatched within seven working days. However, it might take a little longer depending on your location and courier timelines. So, it might be better to plan your spends and payments accordingly until the new card arrives.

If an unauthorised (fraudulent) transaction appears on your card, it can be useful to know who is liable, how it is structured, and other details: 

A. When You are Not Liable (Zero Liability)

• Suppose the unauthorised transaction happened because of a fault outside both you and SBI Card. For example, there was a third-party system breach. Then, you will not have to pay anything, provided you notify SBI Card promptly. 

• If you tell SBI Card about the issue within 3 working days of receiving their communication about the transaction, they will treat you as having zero liability. 
   

B. When Your Liability is Limited

• If the problem is neither your fault nor SBI Card’s, but you delay reporting it, you may still have to pay a limited amount. 

• If you report the unauthorised transaction 4 to 7 working days after receiving SBI Card’s communication, your liability per transaction will be capped as follows: 

  • If your card’s credit limit is ₹5 Lakhs or less: Your maximum liability is up to ₹10,000. 

  • If your card’s credit limit is more than ₹5 Lakhs: Your maximum liability is up to ₹25,000. 
     

C. When You are Fully Liable

• If the loss happened because of your own negligence, you will be responsible for the full loss. For example you shared card details, PIN, CVV or OTP, or your device was compromised by malware, phishing or SIM compromise. 

• Also, if you wait more than 7 working days to report an unauthorised transaction after SBI Card contacted you, you will be required to bear the entire loss. 
   

What to Do Immediately

• Block your card as soon as you notice anything suspicious using the various methods discussed earlier. 

• Once SBI Card receives your blocking request, they will take steps to stop further unauthorised transactions. 

• Any loss that happens after you report the unauthorised transaction will be borne by SBI Card. 
   

Extra Note

• SBI Card may, at its own discretion, decide to compensate you more than the limits shown above. That is a goodwill option that they can choose to exercise case by case. 

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.