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    SBI Credit Card Statement

    Sbi Credit Card Statement Online

    Credit cards are one of the most sought after financial products as it has altered the way the global economy works. They have helped customers in achieving financial independence as one can make purchases now and pay for it later. However, if the card is not used judiciously, the cardholder can easily fall into a debt trap. In a bid to ensure that this does not happen, banks are providing cardholders with the service of e-statements that enables SBI credit card customers to keep a tab on their credit card expenses.   

    Why Avail SBI Credit Card Statement?

    Once a SBI cardholder registers for SBI credit card statements, he is liable to avail the below mentioned benefits:

    • Credit card statements are provided to customers without them needing to pay any fees.
    • It enables the cardholders to assess the statements at anytime without much hassle.
    • Credit card statements provide the cardholders with information regarding new products and services provided by SBI
    • It is fast, convenient and secure

    Understanding your SBI Credit Card Statement

    We all talk about the benefits of credit card statements but what information is provided to a cardholder in a SBI credit card statement.  Listed below are the various sections and sub-sections provided:

    • In the section called ‘Statement of the (Selected) card’, the following sub-sections are included:
      • Total dues
      • Credit Limit
      • Available cash limit
      • Available credit limit
      • Payment due date
      • Minimum amount due
    • Under the section of ‘Past Dues’, the sub sections included are like:
      • Current dues
      • Minimum amount due
      • Overlimit
      • One month
      • Two months +
      • Three months+
    • The section ‘Rewards points summary’ include sub-sections like:
      • Opening and Closing Balance
      • Earned points
      • Adjusted points
      • Disbursed points
    • The credit card statement which carries all the details like the name, email address and residence address of the cardholder also lists all the domestic transactions carried out through the card. The statement clearly mentions the date, amount and transaction description of the purchases made.
    • The section on ‘Account Summary’ is also provided in the statement mentioning the opening and closing balance, the details of payments made, purchases done as well as of the finance charges and total dues that the cardholder needs to be pay.
    • SBI credit card e-statements also provides SBI credit card holders all information regarding credit card offers and other new products and services launched by the bank.  

    How To Avail SBI Credit Card Statement Online As Well Offline

    Cardholders can make a request for online credit card statements using the netbanking facility. Once this request is fulfilled, the bank will discontinue sending hard copies of their credit card statement. Offline credit card statements can be obtained by via post. For this, the cardholder will have to visit their nearest branch of SBI bank to register for the same.

    How to Manage Errors in an SBI Credit Card Statement

    Once the cardholder spots a purchase that was not made by him/her using their SBI credit card, they need to bring it to the notice of SBI bank officials. However, the cardholders can also try raising the matter with the merchant and try to rectify the mistake without needing to involve the bank officials. Other options available to the cardholders with regard to erroneous transaction being reported in the billing statement is to provide all the paperwork to prove  that the transaction was not carried out by the cardholder.

    The last resort that is available to them is to report the transaction to the creditor’s department and ask them to carry out billing related inquiries. However, it needs to be mentioned that a cardholder can report the erroneous transactions  to the department within 60 days of receiving the billing statement that contains the erroneous transaction.

    FAQs on SBI Bank Credit Card Statement

    1. How can statements can I view at once since registering for eStatements?
    2. A cardholder after registering for e-statements can view at once the statements for the latest 24 months.

    3. When will the e-statement be sent to me?
    4. The credit card e-statement is sent to the registered e-mail within three days of the date of generation.

    5. How can one register for email statements?
    6. Cardholders can register for email statements by writing to www.sbicard.com/email or calling SBI helpline number. One can also request for it by typing ESTMT XXXX (XXXX = last four digits of the SBI card  and send an SMS to 5676791.

    7. Will the bank stop sending hard copies of the credit card statements after I opt for e-statements?
    8. Yes, once you register for credit card statements through e-mail, bank will stop sending the hard copies of the same to the registered postal address.

    9. Does SBI charge any fees for providing the service of e-statements?
    10. No, SBI does not charge any fees on the individuals who use the e-statement feature provided by the bank.

    Know More About Other Bank Credit Card Statement

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