SBI Card, the credit card issuing arm of State Bank of India (SBI), offers a variety of credit cards catering the needs of different groups of people. With more than 5 million credit card customers, the bank provides multiple ways to pay SBI Credit Card bills using both online and offline channels. Some of the online payment channels offered by the bank include NEFT payment, Paynet, other bank’s net banking account, SBI net banking account, SBI Mobile app, using debit card, UPI app and YONO app. Offline channels which do not require internet access include over the counter payment, electronic drop box, manual drop box and SBI ATM.
Out of all the available options, we here discuss in detail about how to pay you SBI Credit Card bill using debit card. SBI provides a facility to pay your credit card bill using your SBI Debit Card as well as debit cards of a few selected banks. Let’s know how to do it in detail.
If you wish to pay the bill using other bank accounts, you can choose other online methods such as net banking, funds transfer using NEFT, electronic bill payment, SBI Auto Debit option, SBI mobile app and others. You need to be little sensible in choosing the payment option as certain methods take more than one day to process the credit card payment. Therefore, if you’re paying the bill on the last date, make sure to choose an option that instantly credits your account.
SBI Card offer debit card payment to make it simple and easy for SBI Credit Card users to clear their outstanding dues on time. However, the bank currently accepts debit cards of a few banks to make the SBI Credit Card payment. Besides SBI Debit Card, if you have debit card of any one of the following banks, you can make SBI credit card payment online.
If you have one of the above listed debit cards, you can follow the below instructions to pay your SBI Credit Card bill online.
Once the transaction is successful, you will receive a transaction ID, which can be used to track you payment status. Your credit card account will instantly get credited with the payment amount.
When you don’t have access to the internet, you can visit any of the SBI ATMs to pay your SBI Credit Card bill. Paying through ATM provides you 24x7 access to bill payment and convenience of paying your bill from anywhere in India. However, in order to use the facility, you should have SBI Debit Card, other bank debit cards are currently not accepted for credit card payments through SBI ATMs. Before visiting the ATM, make sure you have both your SBI Credit Card and Debit Card, as you need to enter the card details of both of them to make payment. Once you are at SBI ATM, follow the instructions provided below to pay your SBI Credit Card bill.
Your debit card account will be automatically debited with the bill amount. Payments through SBI ATMs, however, take two working days to process the payment. Your credit card account will be credit after 2 days.
The above mentioned two methods, through which you can pay your SBI Credit Card bills directly using debit card, will provide you the following benefits.
Currently, SBI only accepts debit card payments from 11 debit cards including SBI debit card.
The payment will be done instantly. Hence, debit card payments are more useful for people who often end up paying on the due date.
No, the facility does not require you to register. You can simply visit the page, enter your credit card details and make the payment.
No, you cannot use other bank ATM / debit cards to make SBI credit card payment at SBI ATM. Only SBI debit cum ATM card is accept for the transaction.
If you have internet banking access to your SBI Credit Card, check your account for the payment status. Alternatively, you can also call SBI Customer Care to check the status.