Explore how to renew SBI credit cards and reactivate them before expiry. Check the steps you must take if your card has not been delivered, renewed, or activated on time.
Renewing your SBI credit card helps ensure that your payments and transactions continue without interruption. SBI generally issues a renewed card before the expiry date for eligible users, provided that the account is active and KYC information is valid. If a renewed card does not arrive or automatic renewal has not occurred, you may need to track the renewal status or initiate a manual request.
Below you can find key details like when SBI renews a credit card, how to check the renewal status, how to renew an expired SBI credit card manually, and other related information.
SBI typically renews an active card around 30 to 45 days before the expiry date, giving enough time for printing and courier delivery. The automatic renewal process usually works smoothly when the customer’s KYC is updated, the address is correct, and the card account is in good standing.
Any overdue payments, blocked accounts, or pending KYC updates may prevent or delay renewal. Delivery timelines may also vary based on your location and the courier network. Here’s a concise summary of SBI’s automatic renewal process and what can affect the delivery:
Printing and dispatch of replacement cards generally start 1–2 months before the card’s expiry date, so you receive the new card well before the old one stops working.
Issuers send renewed cards ahead of expiry to avoid service interruptions. That gives you time to activate the new card and update any recurring payments.
Incomplete KYC: Outstanding identity or document checks can block issuance.
Address changes: If your mailing address on file is different or unverified, dispatch may be held.
Overdue payments or account restrictions: Delinquent balances or frozen accounts can prevent automatic renewal.
Other account issues: Issues like recently closed card/account or flagged activity can also cause delays.
To avoid delays, keep your KYC and contact details up to date, clear any outstanding dues, and contact SBI customer care if you expect a renewed card but don’t receive it within the usual window.
You can log in to the SBI Card app or the official website to check renewal updates. Renewal status may appear alongside recent service requests. SBI also sends SMS and email alerts when the renewed card is printed, shipped, or out for delivery.
If no information is available online, you can contact SBI Card customer care to confirm whether the renewal has been initiated or if additional steps are needed. Here’s how you can track whether your renewed SBI card has been printed or dispatched:
Open the SBI Card app and look under the ‘Service Requests’ or ‘Card Management’ section. The app shows renewal/reissue and dispatch updates there.
Log in at sbicard.com and find the ‘Track your application’ section. This is used for issuance or dispatch updates, so you can view any active renewal or dispatch status.
SBI Card usually sends SMS and email notifications (including an e-card link on approval) when printing or shipping begins. These messages include dispatch updates that you can track.
If needed, you can call SBI Card customer care as listed on the SBI Card Contact Us page to verify renewal progress or request help.
SBI usually sends a new card automatically before your current one expires. You need to manually request a reissue if the automatic renewal doesn't come through. The process is the same for cases such as your card being lost or damaged.
SBI allows you to raise a card reissue or replacement request through its website, mobile app, email, or customer service. The renewed card is usually delivered within seven working days, barring exceptions. Here’s what you can do if the automatic renewal has not taken place:
Step 1: Go to sbicard.com and log in to your account.
Step 2: Click on the 'Request' tab.
Step 3: Choose 'Reissue/Replace Card'.
Step 4: Select your card number and click 'Submit'.
Step 1: Open the SBI mobile app and log in.
Step 2: Go to the Menu tab in the top-left.
Step 3: Click on 'Service Request'.
Step 4: Select 'Reissue/Replace Card'.
Step 5: Pick your card and tap 'Submit'.
SBI Card sends SMS/email notifications with a dispatch update and e-card link on approval before dispatch.
You can also call SBI Card customer care to enquire about the renewal progress or other assistance as required.
Note: A replacement fee of around ₹100 (plus applicable taxes) is levied for instances of replacement or reissuing a credit card.
SBI may require updated identity and address proof if your KYC records are incomplete or expired. Commonly accepted documents include Aadhaar, passport, voter ID, or driving licence. Address proof may include utility bills, Aadhaar, or rental agreements.
PAN details may be verified for identity confirmation. In rare circumstances, income proof may be required for upgraded variants or credit limit reassessment. Here’s an overview of the documents SBI may request during the renewal process.
Identity and Address Proof:
Accepted documents include Aadhaar, passport, voter ID, and driving licence.
Updated KYC Documents:
Fresh KYC documents may be required where older documents are outdated.
PAN and Additional Proof:
In rare cases, income proof may be required for certain card variants or limit upgrades.
Yous can activate your renewed SBI credit card through the SBI Card app, the official website, SMS, or IVR services. Activation requires verification and PIN generation.
Once the card is activated and the PIN is set, it can be used for making purchases or ATM withdrawals as permitted by the card type. Here’s how you can activate their renewed card once it arrives.
Step 1: Go to sbicard.com or use the SBI Card app and log in with your User ID & password. First time users may have to register first to generate an ID and password.
Step 2: Navigate to the 'Requests' tab or 'Card Activation' section as per the website or app. Choose your renewed card and click on 'Activate'.
Step 3: Enter the OTP sent to your registered mobile number to complete activation. Check for SMS, email, or in-app alerts validating the process.
Chatbot ILA: Log in and use the chatbot on the SBI Card website.
Email: Send an email to the SBI Card activation email address from your registered email.
Customer Care: Call the SBI Card helpline number and follow the steps mentioned.
You must generate a secure PIN before the first transaction for the renewed card to work. There are a number of ways to do so:
Step 1: Log in to the SBI Card App.
Step 2: Go to 'Services' > 'PIN Generation/Change'.
Step 3: Select your card, enter the OTP, and set your new PIN, confirming it.
Step 1: Log in to your SBI Net Banking account.
Step 2: Navigate to 'Credit Cards' > 'PIN Generation'.
Step 3: Verify with the OTP, enter your new PIN twice, and submit.
Step 1: Call SBI Card’s Customer Helpline number 1860-180-1290 or 3902-0202 (with local STD Code).
Step 2: Select option ‘6’ to generate the PIN.
Step 3: Enter your 16-digit SBI credit card number, date of birth in the format ‘DD-MM-YYYY’ and the card’s expiry date in the format ‘MM-YY’.
Step 4: Provide the 6 digit OTP received on your registered email address or mobile number.
Step 5: Choose a 4 digit PIN number and re-confirm it.
You will get a confirmation message on the IVR itself after successful PIN setup.
A renewal may be delayed due to address errors, incomplete KYC, pending payments, technical issues, or courier delays. Here are some common reasons for delays:
Address Mismatch Issues:
Incorrect or outdated address information is a common cause of delivery failure.
Incomplete or Outdated KYC Records:
Renewal may be paused until updated KYC documents are submitted.
Payment Irregularities or Overdue Amounts:
Recent late payments or overdue balances may delay renewal approval.
Courier Delivery Failure:
You may request re-delivery if the courier was unable to reach the address.
If the card was dispatched but not delivered, you can request re-dispatch. Here’s how to troubleshoot delays in receiving your renewed SBI credit card.
Check Online/App: Log into your SBI Card account (website or app) to see if a new card has been dispatched or if there's a status update.
Call Customer Care: Dial the SBI Card helpline number for immediate assistance regarding your card's reissue status.
Request Reissue: You can request a new card via the website, app, or by writing to them.
Monitor Your Account: Check your credit report for any impact on your score.
Escalate if Needed: If SBI Cards doesn't resolve it within 30 days, file a complaint with the Banking Ombudsman via the RBI website.
SBI generally sends a renewed credit card 30 to 45 days before expiry, depending on account status, KYC completion, and operational timelines. Early dispatch ensures that you receive your new card before the old one becomes inactive.
Renewal status can be viewed through the SBI Card app, website, SMS alerts, or email notifications. You can also call customer care for confirmation of printing, dispatch, or delivery details.
KYC updates may be required if existing documents are outdated or inconsistent with SBI’s records. Updated identity and address proof ensure smooth renewal and delivery.
Activation can be completed through the SBI Card app, website, SMS, or IVR, followed by PIN creation. Once activated, the card is ready for use.
Delays may occur due to incomplete KYC, address mismatch, courier issues, or system delays. You may need to contact SBI Card support to confirm renewal or raise a manual request.