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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 pay the bill before the due date through any of the methods such as netbanking, mobile banking, cheque drop facility, etc. One can pay SBI credit card bill either online or offline.
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Online payment options provided by SBI are a fast and easy way to pay your credit card bills. These include NEFT, Bill Desk, Visa Pay, internet banking, mobile banking, debit card or set up standing instruction for auto-debit. Let us discuss these methods in some detail.
8 Options to Make SBI Credit Card Bill Payment Online | |||
| NEFT | PayNet- Pay Online | Visa Credit Card Pay | UPI |
| SBI Mobile Banking | Debit Card | NACH | |
NEFT stands for National Electronic Fund Transfer and is one of the most commonly used forms of online payment. Users can pay through any bank account and follow the standard NEFT procedure that requires the use of credit card account details and IFSC. NEFT is quite a simple, secure and quick method of SBI credit card bill payment. Note that you can pay through NEFT using a non-SBI account only.
Follow the steps given below to pay SBI Card bill through NEFT–
Step 1- Login to the net banking portal of the bank through which you want to make payment
Step 2- Add SBI Card as a third party beneficiary. Once added, you can proceed to pay your credit card bill
Step 3- Enter your 16-digit SBI Card number in place of 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
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:
You can also make bill payment without logging into the SBI Card portal.
Step 1- Visit SBI Card Bill Desk directly using this link
Step 2- Enter your SBI card details, email ID and mobile number and the amount to be paid
Step 3- Select ‘Net Banking’, choose the bank and login securely using your ID and Password
Step 4- Confirm the amount and make payment
The amount will be credited instantly into your SBI credit card account. However, if it does not, you can track the payment using the transaction reference number received. Click here and go to the track payment tab to check the status of your SBI credit card bill payment.
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.
This is a comparatively new way of making SBI credit card bill payment where the cardholder makes the payment directly through SBI mobile banking facility anytime and from anywhere.
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, all you have to do is to download the online form from SBI Forms Centre and send the filled form to the address mentioned below. 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 to the address given below-
SBI Card Payment Services Pvt. Ltd.,
P.O. Bag No. 28,
GPO, New Delhi – 110001
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:
| SBI Debit Card | Bank of India ATM-cum-Debit Card |
| Bank of Maharashtra Debit Card | Canara Bank ATM-cum-Debit Card |
| Citibank Debit Card | Indian Overseas Bank Debit Card |
| Lakshmi Vilas Bank Debit Card | Shivalik Bank Debit Card |
| Pragathi Krishna Bank Debit Card | Kerala Gramin Bank Debit Card |
| IDFC Bank Debit Card | Bank of Baroda Debit Card |
You have to visit ww.sbicard.com to pay through your debit card. The payment process is simple. You have to follow the steps mentioned below:
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.
Step 1- Download the SBI Card Mobile Banking App and Register/Login on the same
Step 2- Click on ‘Pay now’ button
Step 3- Select the amount you wish to pay- total outstanding or minimum. Else, enter 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 holders can also pay their bills using UPI. Follow the steps given below-
Step 1- Download the BHIM SBI Pay App
Step 2- Register using your mobile number and set up your account
Step 3- Create your Virtual Payment Address (VPA) and Set up your UPI PIN
Step 4- Make SBI Credit Card Bill Payment using a single identifier, that is, the VPA. The VPA you need to enter is Sbicard.16 digits of your credit card no@SBI
The amount is credited instantly.
You can also pay your credit card bill using offline payment options. These payment modes include:
You can make OTC SBI credit card bill payment worth over Rs. 20,000 at any of the SBI branches across India. Since it is an over the counter payment, you will receive an instant receipt. You have to fill the payment receipt and submit it along with the amount to the teller and collect the acknowledgement receipt right there and then. You might have to pay a fee for making cash payment.
You can make your SBI credit card bill payment by cheque and get an immediate e-receipt through the electronic drop box facility. Once you have inserted the cheque into the drop box, 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. However, you have to 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.
Also, electronic drop boxes do not function on Sundays and bank holidays. Moreover, they are only valid for local transactions as an electronic drop box does not accept outstation cheques. In addition, you have to ensure that the cheque is not folded or stapled as they will be rejected.
These are regular drop boxes that are located across more than 1,300 SBI branches in the country. You have to 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 drop box clearing timings are 12 pm to 3 pm from Monday to Friday and 10 am to 12:30 pm on Saturdays. You have to make sure that the cheque is account payee only and not outstation. It has to follow CTS 2010 standards for timely processing as well.
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. After that, you can enter your credit card number and the amount to be paid. You will immediately receive a payment acknowledgement receipt.
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.
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, State Bank can do that. 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 the 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.