How to Pay SBI Credit Card Bill?

Pay SBI credit card bill
Pay SBI credit card bill

SBI credit card payment is one of the most important processes to be aware about when you hold a credit card from the State Bank of India or SBI Card. If you want to pay your SBI credit card bill, there are more than 15 ways to do so! You can choose from UPI, auto-debit, NEFT, EBP, and more to pay your SBI credit card bill. Here we list the most popular options and their step-by-step processes.

Online Options to Pay SBI Credit Card bill

1. SBI Account

One of the easiest SBI bill payment options right now is paying through your SBI bank account, considering you have one already. To do this, follow the below steps:

  • Login on onlinesbi.com using a username and password
  • Click on “view/pay bills” and choose “Without Bills”
  • Select your SBI card and click on Pay
  • Choose the SBI account number you wish to pay through
  • Enter your payment amount and click “Pay Now”

2. SBI Credit Card Bill Payment Through YONO SBI App

SBI also has the nifty YONO mobile app, on Android and iOS, for making swift credit card bill payments. Make sure you have the YONO app on your smartphone. Follow these steps to make the payment through it.

  • Log in with your SBI account details or use your MPIN
  • Go to the “My Credit Cards” section under “My Relationships” and choose the card you want to pay for
  • Click on “Pay Now” on the credit card’s summary page
  • Select the SBI account you wish to make the payment from
  • Select the amount and hit “Pay Now”

3. Auto Debit

SBI offers the facility of auto-debit to make your SBI credit card bill payments even smoother. To enroll, you need to download the Auto Debit form from here, choose from Total amount due or Minimum amount due, get it verified from the bank, and send the form to this address.

SBI Card, Correspondence Department,
DLF Infinity Towers, Tower C,
10-12 Floor, Block 2, Bldg 3,
DLF Cyber City, Gurgaon – 122002, Haryana, India

Once approved, payment will be get debited from your SBI Card account on the due date.

4. SBI Credit Card Bill Payment Through Debit Card

SBI credit card bill payment in the online portal can also be done using a debit card from one of the 9 banks or the Rupay platform.

  • State Bank of India Debit Card
  • Bank of Maharashtra Debit Card
  • Indian Overseas Bank
  • IDFC Bank
  • Kerala Gramin Bank
  • PragathiKrishna Bank
  • Shivalik Bank
  • Bank of Baroda

To make your SBI credit card bill payment using debit cards, follow the below simple steps:

  • Use this BillDesk link to make your payment using a debit card.
  • Enter your SBI credit card number, payable amount, and email ID
  • Choose a debit card as a payment option
  • Enter the debit card number and other required authentication details
  • Confirm your payment

5. SBI Credit Card Bill Payment Through UPI

UPI is fast becoming one of the most popular routes of credit card bill payments in India. You can use SBI’s in-house UPI platform to make this payment or go for third-party platforms like Cred UPI and Paytm UPI to do so.

  • Go to Paynet on the SBI mobile app or website
  • Enter your card and all other relevant details to make the payment
  • Enter your VPA or scan your QR code once redirected
  • Authorize the payment on your preferred UPI app
  • Confirmation is shown on the SBI app or website

6. Electronic Bill Payment

Electronic Bill Payment or EBP service allows you to clear your SBI credit card bill using modes like net banking, ATM, or mobile platforms of several Indian banks.

  • Log in to netbanking portals of any of these banks – State Bank of India, Indian Overseas Bank, Citibank, Bank of India
  • Add ‘SBI Card’ as a biller
  • Fill in the card number, the amount payable, and other relevant details to make the payment

7. NEFT

NEFT or National Electronic Funds Transfer is a 24×7 payments platform that can be used to transfer money across bank accounts in India. SBI credit card bills can be easily paid using preset details provided by the bank.

  • Log in to your bank’s netbanking portal. Add SBI Card as a beneficiary for NEFT transfer
  • Use SBIN00CARDS as IFSC code, your 16-digit SBI Card number as account number, beneficiary account type as “Credit Card Payment” or “Savings Account”, and bank name as SBI CREDIT CARD – NEFT.
  • The bank address is – PAYMENT SYSTEMS GROUP, STATE BANK GITC, CBD BELAPUR, NAVI MUMBAI
  • Click Submit and make the payment as required, once the biller is activated.

Offline Options to pay SBI Credit Card bill

There are three ways to pay your SBI credit card bill offline. Let’s have a look at what they are and how you can use them.

1. SBI bank branches

In case you are unable to pay your SBI credit card bill online, you can always visit any of the bank’s thousands of bank branches across India to clear the dues.

  • At your nearest bank branch, fill the pay-in-slip available at the info desk and submit it with the payment to the teller
  • You will be issued an acknowledgment slip as proof of payment
  • Payment should reflect within 2 working days

2. SBI ATM

Apart from the bank branches, you can also make a credit card bill payment at an SBI ATM.

  • Walk into your nearest SBI ATM stall
  • Insert your debit card into the slot. Click on “Bill Pay” under Services
  • Enter your SBI credit card number and make the desired payment

3. Cheque payment

Finally, offline payment for SBI credit card bills can be done by issuing a cheque and dropping it off at an SBI bank branch.

  • Fill in your 16-digit SBI credit card number on the cheque
  • Mention payee name as ‘SBI Card No. XXXX XXXX XXXX XXXX’ (16-digits of your credit card number)
  • Enter amount, date, and signature. Write your name and phone number on the back of the cheque
  • Place it in the dropbox for a successful payment, which should reflect in 4 working days

Payment Processing Time

Payment method Processing time
SBI AccountSame day
YONO SBI AppSame day
Auto DebitN/A
UPI2 working days
EBP3 working days
NEFT3 banking hours
Bank branch2 working days
ATM2 working days
Cheque4 working days

Conclusion

So, those are the dozens of ways in which you make your SBI credit card bill payment in India. You can try them out at your convenience and clear your dues before the interest period starts.

FAQs

How can I pay my SBI Credit Card Bill?

You can use a variety of methods to pay your SBI credit card bill, as described in this article. Read on to find out.

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

With most online methods like UPI and NEFT, payment is reflected in your SBI Card account within 1-2 working days. However, for routes like cheque deposit and ATM payment, it could take up to 4 working days to reflect.

How to convert credit card payment to EMI in SBI?

To convert credit card payment to EMI in SBI, you can use SBI’s Flexipay service that helps you convert your due amount into easy EMIs payable each month.

How can I track my SBI credit card payment?

After making a successful SBI credit card bill payment, make sure you wait for up to 4 working days before checking whether it is showing in your card account. If that hasn’t happened, you can contact SBI Card customer care for further help.

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

You can make your SBI credit card bill payment using any UPI app. Follow the below steps to make a successful payment via UPI.
1. Go to Paynet on the SBI mobile app or website
2. Enter your card and all other relevant details to make the payment
3. Enter your VPA or scan your QR code once redirected
4. Authorize the payment on your preferred UPI app
5. Confirmation is shown on the SBI app or website

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