SBI Credit Cards

Reward points accumulated on your credit card account can be redeemed in the following ways :-

• Redemption against Gift Voucher can be made through sbicard.com or SBI Credit Card mobile app.
• Redemption against Cash can be made by writing to us as sbicard.com/email or by calling us at our helpline. 

Step 1- Login to sbicard.com
Step 2- Click on “Rewards” and then click on “Redeem Rewards”.
Step 3- Browse through the Rewards Catalogue and choose item of your choice
Step 4- Click on “Redeem now” and confirm.

E Vouchers : Delivered in 05 calendar days on best effort basis

Gifts : Delivered in 15 calendar days on best effort basis

Cardholders can get their limit revised in the following ways:

A. Pre-approved Credit Limit Offer ( Zero document approval )

• SBI Credit Card regularly identifies select cardholders for a Pre-approved Credit Limit Increase offer basis internal risk policy

• Eligible cardholders will receive an increased Limit offer through their registered Mobile Number via SMS, on Email, Monthly Statement and in Post Login Section

• Eligible cardholders can avail this offer without any additional documentation requirement
  

How can I get my Credit Limit increased for Pre-Approved offer?

To get the Credit Limit increase on your card, follow the below mentioned steps:

Website:

• Login to sbicard.com and click on Offers or Benefits tab on left hand side

• Check for any Credit Limit Increase offer on your account & click on the ‘Submit’ button.
  

Chatbot ILA:

Login to Chatbot ILA on the SBI card website or you can search your query on https://ila.sbicard.com/.

SMS:

• SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number
  

B. Credit Limit Increase with Income documentation

• In case you wish to increase limit beyond the eligible Limit offered by SBI Credit Card, please call on SBI Credit Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code) and check with the customer care executive regarding your eligibility for a credit limit increase basis income documents

• The following income documents are accepted.

• Form 16

• ITR VI

• Last 3 months’ salary slip

• Soft copies of the aforementioned documents can be submitted to us at www.sbicard.com/email

• You can mail your relevant income documents to: Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002

• Post receipt and review of Income documents, the request for Credit limit increase will be fulfilled in accordance with the internal Risk Policy

Yes, the new card will be chargeable in case of any upgrade or flip. Upgrade to a higher card variant would always be done at a charge, subject to requisite approvals. 

Total Credit Limit: It is the maximum credit limit you can avail on your SBI Credit Card.

Available Credit Limit : It is the credit amount available for purchases as on date.

SMS AVAIL XXXX (XXXX = Last four digits of your SBI Credit Card) from registered mobile number) to know more about your SBI Credit Card limit.

Though all eligible customers are informed via SMS, alternatively you can also check your eligibility for pre-approved credit increase offer.

• Login to sbicard.com and click on ‘Offers’ or ‘Benefits’ tab on left hand side. Check for any credit limit increase offer on your account & click on the ‘Submit’ button.

• In case you are eligible, then send SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number, or write at sbicard.com/email.

• Alternatively, you can call on the helpline number at 39 02 02 02 (prefix local STD code) or 1860 180 1290.

• Cash Limit is the amount included in the credit limit assigned to your card account that can be withdrawn as cash.

• Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.

In case you opt to avail the moratorium extension for your credit card dues, you may hold the payment during moratorium extension period. However, kindly note that the moratorium extension merely defers the payment. Your credit card dues will continue to accumulate interest, other applicable charges (other than Late Payment Fee) and residual GST (as per Cardmember Terms & Conditions). Hence, it is advisable for you to make your card payments regularly:

• To lessen your burden from accumulation of outstanding amount;

• To avoid interest which will continue to accrue on the outstanding amount at applicable

• Interest rate associated with your card account

• To ensure that your card is not restricted for usage based on internal policies