Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI Credit Card Bill Payment

    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 of before initiating a credit card bill payment.

    SBI Credit Card Bill Payment Online

    Online SBI

    Step 1: Log into the portal and click 'view/pay bills’ and then choose ‘Without Bills’.

    Step 2: Choose SBI Card as your biller and select 'Pay'

    Step 3: Select the SBI account number

    Step 4: Type in your payment amount

    Step 5: Choose ‘Pay Now’.

    Step 6: Click on 'Submit’


    Step 1: Log into the net banking portal and add your SBI Card as the beneficiary.

    Step 2: Now, enter the IFSC code SBIN00CARDS to make the SBI Card payment.

    Step 3: Type your 16-digit SBI card number where the account number is asked for.

    Step 4: Choose your Beneficiary Account as ‘Credit Card Payment’ or 'Savings Account’

    Step 5: Enter SBI CREDIT CARD – NEFT as the bank name

    Step 6: Fill in the address as PAYMENT SYSTEMS GROUP, STATE BANK GITC, CBD BELAPUR, NAVI MUMBAI and click on ‘Submit’.

    Paynet-Pay Online

    Step 1: Go to and log in with your password and SBI Card online user ID.

    Step 2: Choose ‘Pay now’ which is on the Dashboard.

    Step 3: Choose the amount you want pay

    Step 4: Now, choose the mode of payment.

    Step 5: Confirm all details and you will be re-directed to the bank’s payment interface. From here you can authorise the payment and your account will be debited. You will get an online transaction confirmation with the Transaction Reference Number.

    Visa Credit Card Pay

    Step 1: Log into the net banking page with your user name and password.

    Step 2: Select ‘Third Party Funds Transfer’ and choose ‘Visa Credit Card Pay’

    Step 3: Enter the details of the sender and recipient to start the process of fund transfer.

    Step 4: Select ‘Confirm’ and the amount will be debited from your account.

    Electronic Bill Payment (EBP)

    Step 1: Log into the net banking portal of the banks where you have an account.

    Step 2: Enter ‘SBI Card’ as your biller.

    Step 3: Type in the details of your card like number and the payment amount and proceed to make payment.

    National Automated Clearing House (NACH)

    Step 1: Download the e-NACH enrolment form from

    Step 2: Log into the portal and click ‘Service’ and then ‘My Dashboard’. Choose ‘NACH’.

    Step 3: Choose your payment debit type that has to be auto-debited every month.

    • Total amount due (TAD)
    • Minimum amount due (MAD)

    Step 4: Select ‘Proceed’ and then you will be taken to the registration page.

    Step 5: After you validate the pre-filled data, enter the bank details.

    Step 6: Complete this e-Mandate form and then choose either net-banking or debit card.

    Step 7: A Reference No. Will be sent to you and the mandate registration confirmation will be displayed.

    SBI Auto Debit

    Step 1: Download the auto debit form from

    Step 2: Print this out and fill in the details that are required. Choose from these payment options:

    • Total amount due or
    • Minimum amount due

    Step 3: The bank will verify the details on the form.

    Step 4: Send the form to the address: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India

    Debit Card Payment

    Step 1: Go to this website to make the outstanding payment:

    Step 2: Enter your SBI Credit Card number which you want to use for the payment.

    Step 3: Choose Debit Cards and select your bank account and you will be redirected to the payment page.

    Step 4: Enter your debit card number, PIN number, password, and user ID.

    Step 5: Click on ‘Confirm’ and your bank account will be debited.

    SBI Card Mobile App

    Step 1: Download the SBI card mobile app and register. You can use your SBI card password and user ID.

    Step 2: Select ‘Pay now’ on the Account Summary page.

    Step 3: Type in your mobile number and email ID.

    Step 4: Enter the amount you want to pay

    Step 5: Choose the payment option and also select the bank name. After you confirm the details, you will be re-directed to the bank’s payment page.


    Step 1: Go to the Paynet channel on SBI Card website/app.

    Step 2: Type in your card number and other details like the amount you want to pay as outstanding dues and also choose the UPI option.

    Step 3: A new customer UPI page will load where you can choose:

    • Enter your VPA
    • Scan QR code

    Step 4: Type in your VPA handle or you can scan the QR code.

    Step 5: You can now authorise the payment via the UPI App.

    Step 6: The confirmation will be shown on the screen.

    Step 7: After the payment has been made, this will be posted on your credit card account.

    How to Make Payment Through YONO Via SBI App

    Step 1: Log into YONO by SBI App with your SBI Internet banking details or MPIN

    Step 2: Select ‘My Credit Cards’ and choose the credit card you want to make payment for

    Step 3: Choose the credit card details and select ‘Pay Now’.

    Step 4: Choose the SBI account.

    Step 5: Enter the amount and select ‘Pay Now’ and complete the transaction.

    How to Make Payment Through YONO Via SBI Portal

    Step 1: Log into the YONO by SBI portal with your credentials of SBI internet banking

    Step 2: Select ‘My Credit Cards’ and choose the credit card you want to make payment for

    Step 3: Select ‘Pay’ for the credit card.

    Step 4: Choose your SBI account from which you want to make payment.

    Step 5: Enter the amount and select ‘Pay Now’

    Use Paytm

    • Visit
    • Under the Credit Card Bill Payment option, enter your SBI credit card number and click on proceed.
    • Now select BHM UPI or Net Banking as the payment method and click on 'Pay now'.
    • Finally, enter the payment details and complete the payment.

    Bill Payment via PhonePe

    • Open the PhonePe app on your smartphone.
    • Select ‘Credit Card Bill’. The option can be found under the ‘Recharge & Pay Bills’ section.
    • Next, enter your credit card number and click on ‘Confirm’. This will link your credit card to the PhonePe account.
    • Follow the steps on the next page to complete the payment procedure.

    Bill Payment via Mobikwik

    • Visit
    • Enter the credit card number and the amount you wish to pay.
    • Select ‘Go’.
    • Follow the steps on the next page to make the payment.

    SBI Credit Card Bill Payment Offline

    Over the Counter (OTC)

    Step 1: Visit the nearest branch of State Bank of India.

    Step 2: Enter the pay-in slip which is available at the information desk.

    Step 3: Collect the receipt of acknowledgement after you make the payment.

    Cheque -Manual drop box

    Step 1: Write the SBI Credit Card number on the cheque.

    Step 2: Enter your phone number and name on the back of the cheque.

    Step 3: Mention the name of the payee as ‘SBI Card No. XXXX XXXX XXXX XXXX’ (16-digits card number)

    Step 4: Check the payment amount, signature, and date.

    SBI ATM Payment

    Step 1: Go the nearest SBI ATM.

    Step 2: Insert your debit card and click on ‘services’ and ‘Bill Pay’.

    Step 3: Enter the number of your SBI Credit Card and the amount you want to pay.

    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

    FAQs on SBI Credit Card Bill Payment

    1. How can I pay my SBI Credit Card Bill?

      You can pay your SBI credit card bill online via the SBI portal or the app. You can also visit any SBI branch and pay the credit card bill as well.

    2. How long will it take for the payment to reflect in my SBI Card account?

      Based on the method of payment you have chosen, it will take from 3 hours to 2 days for the payment to reflect on your account.

    3. What is SBI Pay?

      SBI Pay is a payment app which allows you to receive or send money to and/or from any bank customer with a single app. This also allows you to pay for a lot of services like food orders, recharge, and bill payments.

    4. How can I register my Utility Bill Payment?

      You can log into the SBI Card account via the website, and register your Utility Bill Payments.

    5. Can a customer make the payment through non SBI account?

      Yes, you can make payment via a non-SBI account with BHIM SBI Pay. The respective bank will have to be on the UPI platform.

    6. My payment was successful but not credited on the card?

      If your bank account details have been entered correctly and you have not gotten any credit into your account, you can call the SBI customer care and ask for more details. The funds can take up to 2 working days to be credited into your account.

    7. If I make a payment on the wrong SBI Credit Card, what should I do?

      You will have to contact the SBI customer care at 1800-11-2211.

    8. How can I track my SBI credit card payment?

      You can log into the BHIM SBI Pay app and then go to transactions History from the menu.

    9. Can I pay credit card bill through other bank UPI app?

      No, the facility is available only on BHIM SBI App.

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