SBI Credit Card Bill Payment

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :21/01/2020

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Updated: 11-11-2019 11:44:42 AM

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 bill payment online or offline before the due date through any of the methods such as netbanking, mobile banking, cheque drop facility, etc.

On this page

SBI Credit Card Bill Payment Online
SBI Credit Card Bill Payment Offline
SBI Credit Card Bill Payment FAQs

SBI Credit Card Bill Payment Online

Online payment options provided by SBI are fast and easy methods to pay your credit card bills. These include NEFT, Bill Desk, Visa Pay, internet banking, mobile banking, debit card or by setting up standing instruction for auto-debit. Let us discuss these methods in some detail.

8 Options to Make SBI Credit Card Bill Payment Online
NEFTPayNet- Pay OnlineVisa Credit Card PayUPI
SBI Mobile BankingDebit CardNACH

Mobile App

SBI Credit Card Bill Payment through NEFT

  • Users can pay SBI credit card bill through any bank account
  • Follow the standard NEFT procedure that requires the use of credit card account details and IFSC
  • NEFT is quite a simple and secure method of SBI credit card bill payment
  • You can pay through NEFT using a non-SBI account only

How to Pay SBI Credit Card Bill using NEFT

Follow the steps given below to pay SBI Card bill through NEFT–

Step 1- Login to the netbanking portal of the bank through which you want to make payment
Step 2- Add SBI Card as a third party beneficiary and proceed to pay your credit card bill
Step 3- Enter your 16-digit SBI Card number in place of the account number
Step 4- Write SBI CREDIT CARD – NEFT in the Bank Name section
Step 5- Use IFSC code SBIN00CARDS to make the payment
Step 6- Enter the bank address – Payment Systems Group, State Bank GITC, CBD Belapur, Navi Mumbai
Step 7- Submit and Verify to complete the payment

SBI Card Bill Payment through PayNet – Pay Online

PayNet-Pay is a special payment option from State Bank of India. Under this, you have to follow the steps mentioned below to make the payment:

  • Login to www.sbicard.com using your SBI Card user ID and password
  • Click on the ‘Pay Now’ option to go to the SBI Card Bill Desk portal where all card details are pre-filled
  • You can either choose to pay the total outstanding amount or minimum amount due or enter any amount as per your wish
  • Select the mode of payment – Debit Card or Internet Banking
  • Enter the details, verify using OTP received on your registered mobile number and complete the payment

You can also make bill payment without logging into the SBI Card portal.

The amount will be credited instantly into your SBI credit card account. However, if it does not happen instantly, you can track the payment using the transaction reference number received. Click here and go to the track payment tab to check your SBI credit card bill payment status.

SBI Credit Card Bill Payment by Visa Credit Card Pay

This is a payment method which allows you to pay your credit card bills anytime and anywhere. The service can be used through the net banking facility provided by your bank.

  • Login to your net banking page and choose the option of “Third Party Funds Transfer“
  • After selecting the VISA Credit Card Pay, fill in the sender and receiver details to initiate the fund transfer
  • Submit the request and give authorization for the payment
  • The amount will reflect in your SBI Card account within 3 working days

SBI Credit Card Bill Payment Using SBI Mobile Banking

Accountholders can make SBI credit card bill payment directly through SBI mobile banking app anytime and from anywhere.

How to Pay SBI Credit Card bills using SBI Mobile Banking

  • Register for SBI Mobile Banking on SBI Anywhere app or SBI Yono app (Registration is one-time process only)
  • Login using your username and MPIN
  • Start with the payment by visiting the bill pay section
  • Add SBI credit card in the “Add Biller” section
  • Click on View and Pay Bills to make the payment

SBI Credit Card Bill Payment Using National Automated Clearing House

National Automated Clearing House (NACH) helps you save a lot of effort as you do not have to issue a cheque each month towards your SBI credit card bill payment. To avail this service, you just need to authorise your SBI credit card to deduct the amount directly from your bank account. It is a great way to save a lot of time and effort.

  • To avail the NACH service, download the online form from SBI Forms Centre
  • Send the filled form to the address mentioned below:
    SBI Card Payment Services Pvt. Ltd.,
    P.O. Bag No. 28,
    GPO, New Delhi – 110001
  • You have to choose one of the three SBI credit card bill payment options
  • The three options include Total Amount Due (TAD), Minimum Amount Due (MAD) or Fixed Amount
  • The form should be sent along with a cancelled cheque along with the form

SBI Credit Card Bill Payment through Debit Card

This is another secure and fast way to pay your credit card bills. In this service, you can use any of the mentioned debit cards to pay the bills. The cards that you can use are:

  • Bank of Maharashtra Debit Card
  • Bank of India ATM-cum-Debit card
  • Canara Bank ATM-cum-Debit Card
  • State Bank of India ATM-cum-Debit Card
  • Citibank Debit Card
  • Indian Overseas ATM-cum-Debit Card

How to make SBI Credit Card Bill Payment through Debit Card

You have to visit www.sbicard.com to pay through your debit card. Follow the steps mentioned below to make the payment:

  • Choose the option “Pay through Debit Card” and enter card details such as card number, amount and email ID
  • Put in the authentication information and confirm the payment
  • The amount will be deducted from your bank account

SBI Credit Card Bill Payment through SBI Card App

This is yet another popular way of paying SBI credit card bills. It is fast, easy and convenient. The application works on Android, iOS and Windows. The app simply deducts the amount from your bank account as per your instructions.

Steps to Make SBI Credit Card Bill Payment using SBI Card App

Step 1- Download the SBI Card Mobile Banking App and Register/Login on the same (Registration is a one-time process only)
Step 2- Click on “Pay Now” button
Step 3- Select the amount you wish to pay – total outstanding, minimum or another amount
Step 4- Choose a payment method and select your bank. You will be redirected to the bank’s payment interface
Step 5- Confirm your details and pay

SBI Credit Card Bill Payment through UPI (BHIM SBI Pay)

SBI credit cardholders can also pay their bills using UPI. One can follow the steps given below:

Step 1- Download the BHIM SBI Pay App
Step 2- Register using the mobile number and set up the account
Step 3- Create a Virtual Payment Address (VPA) and set up the UPI PIN (one-time process)
Step 4- Make SBI Credit Card Bill Payment using a single identifier, that is, the VPA

The amount will be credited instantly.

SBI Credit Card Bill Payment Offline

You can also pay SBI credit card bill offline. These payment modes include:

SBI Credit Card Bill Payment Over the Counter (OTC)

  • You can make OTC SBI credit card bill payment worth over Rs. 20,000 at any of the SBI branches across India
  • You will receive an instant receipt as it is an over the counter payment
  • Fill the payment receipt and submit it
  • Collect the acknowledgement receipt for future references
  • A fee may be charged for making cash payment

SBI Credit Card Bill Payment through Electronic Drop Box

  • You can make your SBI credit card bill payment by cheque
  • Get an immediate e-receipt through the electronic dropbox facility
  • Once the cheque is inserted into the dropbox, you will get a scanned image of your cheque as a receipt.
  • The payment will reflect similarly with regular cheque transactions in your SBI credit card account within 4 working days
  • Keep in mind that the payment should be made 4 to 5 days before the due date as it takes some time in the clearing of the cheque and credits the payment to your credit card
  • Electronic dropboxes do not function on Sundays and bank holidays
  • Electronic dropboxes are only valid for local transactions as it does not accept outstation cheques
  • One has to ensure that the cheque is not folded or stapled as it will be liable to be rejected

SBI Credit Card Bill Payment through Manual Drop Box

  • These are regular drop boxes that are located across more than 1,300 SBI branches in the country
  • Fill the correct credit card number on your cheque along with your name and registered phone number
  • The payee will be mentioned as “SBI Card no. <16 digit card number>“
  • The dropbox clearing timings are 12 pm to 3 pm from Monday to Friday and 10 am to 12:30 pm on Saturdays
  • Make sure that the cheque follows CTS 2010 standards for timely processing

SBI Credit Card Bill Payment through ATM

  • You can also use SBI ATMs across the country to pay your credit card bills
  • You just have to go to an SBI ATM and choose the services tab in the ATM menu
  • Enter your credit card number and the amount to be paid
  • You will immediately receive a payment acknowledgement receipt

SBI Credit Card Bill Payment FAQs

What to do when a payment has been made but has not shown up on the SBI credit card or the card’s online account statement?
In this case, you have to notify the bank that the SBI credit card bill payment has not been posted to your account.

  • You need to prepare the documents showing that you have made the payment.
  • You can show the copy of a cancelled cheque or electronic payment receipt as a proof of payment.
  • In addition, you should file a dispute with the bank.
  • This complaint must be filed within a specified number of days from the date on which the bank mailed the statement that showed the error.

Can it be called a late payment if a payment has been made on the due date?
Yes, the bank can call it a late payment as the terms and conditions of whether an SBI credit card bill payment is late or not is decided by your account agreement.

If the information in the terms and conditions say that payments made on the last date but after a specific time will be deemed as late, then the bank can call them as such. Consequently, it is always better to make payments 3-5 days before the due date.

What if State Bank has increased the minimum monthly amount due on the credit card bill and the individual is unable to afford that?
In such conditions, the person has to directly contact the bank and discuss an agreeable payment plan.

Can banks make the customer pay a fee for letting them use a specific payment method?
Banks can charge a fee for using a specific SBI credit card bill payment method due to special circumstances. For instance, if the payment mode you are using involves an expedited service by the bank or the option is one where the bank has to incur additional costs, then it is likely that a bank will charge a certain fee.

Can State Bank charge a late fee if the payment has been mailed before the due date?
Yes, this is because you are liable to make the SBI credit card bill payment on or before the due date. If you have mailed a cheque but it has not been received or has been received but not cleared as yet by the due date, then you will be charged a late fee. This is why your account agreement always mentions that a payment made through specific methods that can cause a delay in clearance should be made 4 to 5 days prior to the due date.

When is a payment considered late or on time?
SBI credit card bill payment is considered late or on time depending on when funds are credited to your card account. You have to ensure that that the payment is not just mailed or done on time but has been received and cleared by the bank on time as well.

A simple way to do this is to check your bank account from where the payment has been made. If the payment has been debited from the bank account, then SBI should receive the payment within the same day or at most the next business day.

Can State Bank delay the posting of payment on a credit card account?
Banks do not delay posting the payment on a credit card account. However, banks can set some reasonable requirements for processing payments. If these requirements are met by the cardholder, then the bank usually credits the card balance within 3-4 business days at most.

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