Paying SBI credit card bill on time not only reduces your debt but also saves you from paying the late payment fee and finance charges levied by credit card companies.
SBI Credit Card offers more than a couple of methods, both online and offline, to pay your credit card bill quickly and conveniently. Each method has a different payment processing time, which you need to be aware before initiating credit card bill payment.
Listed below are various credit card bill payment methods with a step-by-step guide.
SBI Bank Credit Card Bill Payment for SBI/Non-SBI Account Holders
- SBI Account Holders Online
- SBI Account Holders Offline
- Non-SBI Account Holders Online
- Non-SBI Account Holders Offline
SBI Credit Card Bill Payment For SBI Account Holders - Online
SBI account holders can pay SBI credit card bills through any of the following online methods.
Payment of SBI credit card bill through SBI Online facility- Login to onlinesbi.com and choose 'Bill Payments' and enter 'Manage Biller'. Then select the 'Add' tab and opt for 'All India Billers'.
- Now select 'SBI Cards and Payment Services Pvt. Ltd'. To register the biller, submit the details and verify the transaction with an OTP.
- Once it is done, you can view and pay your bills. Click on 'View/pay bills' and choose 'Without bills'.
- You can then select 'SBI Card' and proceed to make the payment.
You can use the Paynet-Pay Online facility through both your SBI net banking account and without it.
- To pay through your SBI online account, log in to your SBI account and select the 'Pay Now' option on the dashboard.
- Once the payment is completed, you would receive a Transaction Reference Number.
- To use the Paynet-Pay Online facility without using your SBI online account, visit https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp and enter the details asked for.
If you have your SBI credit card registered on your SBI mobile banking facility you can pay the credit card bill through it.
- Log in the mobile banking account and click on the 'Pay now' button placed at the bottom of 'Account Summary' page.
- If your mobile number and email ID are not registered, enter them.
- Now select the amount that you want to pay.
- From the drop-down menu, select the payment option and the bank name.
- Confirm the details and re-directed to the payment interface where you can authorize the payment
- You need to register for this facility in order to use it for paying your credit card dues.
- Click the Auto Debit form by visiting https://www.sbicard.com/en/forms-central.page
- Send the duly filled form to the following address:
SBI Card, Correspondence Department,
DLF Infinity Towers; Tower - C,
10-12 Floor, Block - 2, Building 3,
DLF Cyber City, Gurgaon - 122002, Haryana, India
- As you register for the service, you would need to choose between the total amount due and the minimum amount due on your credit card that would be debited every month.
By availing the services of National Automated Clearing House (NACH), you can authorize SBI to deduct the credit card outstanding amount directly from your bank account.
- The amount would be debited every month and your credit card account would be credited by the due date.
- Visit https://www.sbicard.com/sbi-card-en/assets/docs/pdf/forms-central/nach.pdf to enrol for the NACH services.
- Send the duly filled form to the following address
SBI Card and Payment Services Pvt. Ltd.
P.O. Bag No.28, GPO,
New Delhi - 110001
Use SBI debit card to pay SBI credit card bill- To pay your SBI credit card outstanding balance using your SBI debit card, just visit https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp
- Now enter your SBI credit card number along with the other necessary details that are asked for.
- Click on 'Pay Now'.
- To make payment for your SBI credit card through UPI, download the BHIM SBI Pay and set BHIM SBI Pay login account and register with your phone number.
- Now create VPA (Virtual Payment Address) and set your UPI pin.
- To pay your credit card bill, click on 'Pay by VPA' (Virtual Payment Address). This should be the 16-digit number of your SBI credit card. For example: Sbicard.4726420123456789@SBI
- Then enter the payment amount and select 'Go'. After this, verify the bank account MPIN and select 'Submit'.
- The payment status will immediately get reflected in your account.
To use this facility, you must download the YONO app and link your credit card to it.
- To pay your credit card bill through the YONO app, download it on your mobile and register on it using your internet banking or debit card number.
- To make the payment, log in and select 'My Credit Cards' under 'My Relationships' and select your SBI credit card. Follow the next set of steps to complete the payment.
- Payment will reflect immediately on your credit card account.
- This service can be availed through ATM, mobile banking, or net banking services of the State Bank of India.
- Just log in to your net banking account, add your SBI credit card as a biller, fill in the details, and make the payment.
To pay your SBI credit card dues through Paytm, follow these steps:
- Visit https://paytm.com/credit-card-bill-payment
- Enter your SBI credit card number in the 'Credit Card Bill Payment' field and click on proceed.
- Select a payment method from BHIM UPI and Net Banking and click on 'Pay now'.
- Fill in the payment details to complete the payment.
SBI Credit Card Bill Payment For SBI Account Holders - Offline
SBI account holders can pay SBI credit card bills through any of the following offline methods.
Over the counter payment of SBI credit card bill- You can pay the outstanding on your SBI credit card by visiting any SBI branch and making the payment in cash.
- You would be charged a certain amount by the bank for making the payment.
- Pay your SBI credit card bill by dropping a cheque in any electronic drop box of the bank. You would get an instant receipt acknowledging the payment. The cheque should be in favour of your SBI credit card account.
- Just locate an SBI electronic drop box near you and follow the instructions mentioned on it to drop the cheque.
- You can drop a cheque at any of the 500+ SBI drop boxes in India. Before dropping the cheque, enter your SBI credit card number on it.
- You should also mention your name and phone number on the back of it.
- The payee name should be 'SBI Card No. XXXX XXXX XXXX XXXX' (where Xs are the 16-digits of the SBI credit card number).
You can also visit any SBI ATM and use your SBI debit card to pay for your SBI credit card.
NEFT at SBI branch for the payment of SBI credit card billVisit any SBI branch and pay your SBI credit card bill through NEFT by using the IFSC code SBIN00CARDS.
Sbi Credit Card Bill Payment For Non-SBI Account Holders - Online
Non-SBI account holders can pay SBI credit card bills through any of the following online methods.
Using NEFT for paying SBI credit card bill- You can use the NEFT facility and pay your SBI credit card bill through the online account of your non-SBI bank.
- Just use the IFSC code SBIN00CARDS to make the payment.
- To pay through your SBI online account, log into your SBI account and select the 'Pay Now' option on the dashboard. Once the payment is completed you would receive a Transaction Reference Number.
- You may also visit https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp and enter the details asked for, select the bank account through which you wish to make the payment and complete the process.
- To pay your SBI credit card outstanding through the Visa Credit Card Pay facility, log in to the net banking page of your bank and go to 'Third Party Funds Transfer'.
- Now select 'Visa Credit Card Pay' and enter the sender and recipient details.
- Now, click on 'Confirm'.
- You can log in to the net banking account of your non-SBI bank and then go to the registered credit cards and select your registered SBI credit card for which you need to make the payment.
- To avail this facility, you need to register your SBI credit card on the net banking service of your non-SBI account.
- To pay your SBI credit card outstanding balance using your non-SBI debit card, just visit https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp
- Enter your SBI credit card number along with the other necessary details that are asked for.
- Finally, click on 'Pay Now'.
- To be able to pay through this option, it needs to support the debit card of your non-SBI bank.
- This service can be availed through ATM, mobile banking, or net banking services of the Indian Overseas Bank, Bank of India, and Citibank.
- Just log in to your net banking account, add your SBI credit card as a biller, fill in the details, and make the payment.
- To make payment for your SBI credit card through UPI, log in to your BHIM SBI Pay App and click on 'Pay by VPA' (Virtual Payment Address).
- This should be the 16-digit number of your SBI credit card. For example: Sbicard.4726420123456789@SBI
- Then enter the payment amount and select 'Go'. After this, verify the bank account MPIN and select 'Submit'. The payment status will immediately get reflected in your account.
- You can log in to the mobile banking facility of your non-SBI bank and then click the credit cards tab and select your registered SBI credit card for which you need to make the payment.
- To avail this facility, you need to register your SBI credit card on the mobile banking facility of your non-SBI account.
To pay your SBI credit card dues through Paytm, follow these steps:
- Visit https://paytm.com/credit-card-bill-payment
- Enter your SBI credit card number in the 'Credit Card Bill Payment' field and click on proceed.
- Select a payment method from BHIM UPI and Net Banking and click on 'Pay now'.
- Fill in the payment details to complete the payment.
SBI Credit Card Bill Payment For Non-SBI Account Holders - Offline
Non-SBI account holders can pay SBI credit card bills through any of the following offline methods.
Over the counter payment of SBI credit card bill- You can pay the outstanding on your SBI credit card by visiting any SBI branch and making the payment in cash.
- You would be charged a certain amount by the bank for making the payment.
- Pay your SBI credit card bill by dropping a cheque in any electronic drop box of the bank. You would get an instant receipt acknowledging the payment. The cheque should be in favour of your SBI credit card account.
- Just locate an SBI drop box near you and follow the instructions mentioned on it to drop the cheque.
- You can drop a cheque at any of the 500+ SBI drop boxes in India. Enter your SBI credit card number on the cheque. You should also mention your name and phone number on the back of it.
- The payee name should be 'SBI Card No. XXXX XXXX XXXX XXXX' (when X's are the 16-digits of the SBI credit card number)
Visit any SBI branch and pay your SBI credit card bill through NEFT by using the IFSC code SBIN00CARDS.
Autopay of SBI credit card bill- You can provide a standing instruction to the non-SBI bank for auto debit of your SBI credit card's total or the minimum amount due every month. Thus, the payment gets auto-debited on or before the due date every month.
- Contact your non-SBI savings bank to register for the Autopay facility.
Payment Processing Time For The SBI Credit Card Payment Methods
| Payment method | Processing time |
|---|---|
| Paynet-Pay Online | Instant |
| Online SBI | Instant |
| National Automated Clearing House | Payment gets credited on the payment due date |
| Mobile Banking | Instant |
| SBI Debit card | Instant |
| Electronic bill payment | Within 3 working days |
| SBI Auto debit | Payment gets credited on the payment due date |
| NEFT | 3 banking hours |
| UPI | Instantly |
| Over the counter payment | 2 working days |
| Electronic Drop Box | 4 working days |
| Manual Drop Box | 4 working days |
| ATM funds transfer | 2 working days |
| Visa Credit Card Pay | 3 working days |
| Net banking | Instant |
| Paytm | 3 working days |
SBI Credit Card Bill Payment FAQs
- Which other bank debit cards can I use to pay for my SBI credit card outstanding through the Auto Debit Card payment option?
The other bank debit cards that the Auto Debit Card payment option supports are Bank of India, Bank of Maharashtra, Citibank, Indian Overseas Bank, IDFC First Bank, Kerala Gramin Bank, Pragathi Krishna Gramin Bank, Shivalik Bank, and Bank of Baroda.
- What charges do I need to pay for paying my SBI credit card bill through over the counter option?
For cash payments made over the counter, you would be charged Rs.100 plus the applicable service tax. Also, the maximum cash amount that you can deposit per transaction is Rs.49,999. For cheque payments or payments through funds transfer, there are no charges.
- What is the meaning of 'Without bills' when I make the payment on my SBI credit card through Online SBI?
The term 'Without bills' means that when the statement of your SBI card is generated, the details are not linked automatically to your SBI bank account. You need to check your outstanding balance on sbicard.com. Then you must enter the amount manually on the OnlineSBI website every time when authorising the payment.
- What do I do if the amount is debited from my savings bank account but is not credited to my SBI credit card account?
In such cases, share the bank certificate that has been issued by your bank after confirming the transaction. Send it to the following address:
SBI Card & Payment Services Private Limited
IP.O. Bag No.28, GPO, New Delhi - 110001You can also contact the customer care centre of SBI Bank.
- Will I be charged any amount if I make the payment of my SBI credit card bill through cheque?
Yes, you would be charged Rs.100 for payments made through cheque for an amount that is equal to or less than Rs.10,000. For payments that are greater than Rs.10,000, no fee would be charged.
