Once you make purchases using your SBI credit card, you have to pay the used amount back to the bank. This has to be done after your SBI credit card statement is generated for a specific period. You have to make the SBI credit card payment online or offline before the due date through any of the methods such as netbanking, mobile banking, cheque drop facility, etc.
If your income has been hit due to COVID-19 Lockdown, you can opt for a Moratorium Period on your SBI Credit Card and defer the payments until August 2020. Click here for details.