SBI Credit Card Payment - How to Pay SBI Credit Card Bill?

An on time SBI credit card bill payment helps you avoid late fees and maintain a good credit score. SBI Credit Card online payment can be done instantly through internet banking, mobile app, NEFT/RTGS, or chatbot. Offline options like ATM, branch payments, IVR, and SMS are also available.

Key Highlights

• Auto-debit and NACH facilities can be set up for hassle-free, recurring payments.
• Offline payments like branch counters or ATMs may take 1–4 working days to reflect.
• Check your payment status online, via mobile app, or by contacting SBI Cards customer care.

What is SBI Credit Card Payment?

SBI credit card payment is the process of settling your outstanding SBI credit card dues using online or offline channels. Timely SBI credit card bill payment avoids late fees, maintains a good CIBIL score, and ensures uninterrupted credit card usage. 

SBI Credit Card Payment Online

SBI bank offers various channels for SBI Credit Card online payment: 

SBI Credit Card Website

• Log in to SBI Card Online using your credentials.
• Click ‘Pay Now’, choose the payment amount (full or minimum), and complete the transaction.

SBI Yono App

• Log in to your SBI Yono app.
• Visit the ‘My Credit Cards’ under ‘My Relationships’ and select the credit card you want to pay for.
• Click on credit card details. The card summary page will be displayed. Here, click ‘Pay Now’ option.
• On the payment page, select your SBI account.
• Enter the amount (entire outstanding bill or minimum amount due) and click ‘Pay Now’.

Paynet-Pay/BillDesk Facility

• Open the SBI card BillDesk page. 
• Select the payment method- ‘Card Number’ or ‘Account Number’. 
• Enter the credit card number or the account number. 
• Re-enter the card number or account number 
• Enter your Email address, Mobile number and the amount to pay. 
• Select your payment method - Internet banking, debit card or UPI and click ‘Pay Now’. 
• Authorise the payment and wait for 24 to 48 hours for settlement. 

SBI Mobile Banking App

• Log in to the SBI mobile app.
• Register your credit card using your email ID, mobile number, and due amount.
• Select Pay Now to complete the payment.

NEFT Transfer

• Log in to your bank’s internet banking.
• Add your SBI credit card as a beneficiary under third-party transfers.
• Initiate payment using IFSC SBIN00CARDS.

NACH (National Automated Clearing House)

• Enroll in e-NACH to automatically pay the total or minimum due.
• Payment is deducted automatically after the bill is generated.

Visa Credit Card Pay

• Log in to your bank’s net banking portal.
• Select ‘Third Party Funds Transfer’. 
• Choose Visa Credit Card Pay to settle your outstanding bills.

SBI Auto Debit Facility

Use the SBI Auto Debit facility to ensure timely SBI credit card online payment. The required amount will be deducted automatically from your linked bank account on the due date.

Electronic Bill Payment

Opt for SBI credit card bill payment through the electronic bill payment system. This service is available through SBI mobile app, net banking, or ATMs of SBI, Indian Overseas Bank, Bank of India, and Citibank.

Debit Card Payment

The SBI card BillDesk facility provides a debit card option for SBI credit card online payments. Select your debit card for the pay from option at the final step to pay the bill through your debit card. 

• Log in to the SBI credit card website and go to the ‘Pay Now’ option. 
• Select your debit card as the payment method at the final step to make payment through debit cards.

SBI Credit Card Payment Offline

Offline channels are also available to complete your SBI credit card payment. The channels are:

Pay via SBI Counter

You can pay your SBI credit card bill at any SBI branch across India. Simply visit the nearest branch, fill out a pay-in slip, and submit it at the counter. You will receive an instant acknowledgement receipt. 

Note: It will take 2 working days for the payment to reflect in your SBI credit card account.

Pay via SBI ATM

Complete your SBI credit card payment at any SBI ATM using your debit card. 

• Insert your debit card into the ATM. Navigate to the ‘Bill Pay’ option under the services tab. 
• Enter your credit card number, and complete the transaction. After successful payment, you will receive an instant receipt from the ATM.

What is the Other Mode of SBI Credit Card Bill Payment?

You can also complete your SBI credit card bill payment via an SBI Dropbox. To pay your SBI credit card bill, drop a cheque at any of the 300+ SBI drop boxes across India. 

• Write your phone number and name on the back of the cheque. The payee should be your SBI Card No. followed by your 16-digit credit card number (e.g., SBI Card No. XXXX XXXX XXXX XXXX).
• The Dropbox clearing timings are 12:00 pm to 3:00 pm (Monday to Friday) and 10:00 am to 12:30 pm on Saturdays. 
• It may take up to 4 working days for the payment to reflect in your SBI credit card account.

How to Pay Credit Card Bills from Another Credit Card?

There are two ways to make SBI credit card bill payment from another credit card:

Balance Transfer

With a balance transfer, you can move your outstanding dues from one credit card to another with a lower interest rate. Transfer all or part of your credit card balance to a new credit account, allowing you to pay your bill with the new issuer. Be aware of a 3%-5% transfer fee, and the process may take time.

Digital Wallets

Add funds to most digital wallets using your credit card. Once the money is in the wallet, you can either pay your credit card bill directly or transfer the amount to your bank account. Keep in mind that digital wallets may charge a 2%-5% fee for credit card funding.

How to Make Payment through Yono via the SBI Portal?

The Yono by SBI portal has been discontinued from 1 December 2021. Thus, you cannot make bill payments through Yono by SBI portal. However, you can make payment through the SBI Yono App on your mobile by following the steps provided in the above section.

SBI Credit Card Payment Status

You can check your payment status via these methods:

Website

• Visit the SBI credit card website and log in to your account. 
• Go to the ‘My Accounts’ tab present on the left side of the page. 
• Check the unbilled transactions to see the transactions since your last statement. 
• Check transaction history to see all your transactions for the last 24 months.

Chatbot ILA

Use your user ID and password to log in to ILA and ask the chatbot to get your unbilled and recent transactions. 

Helpline

Call the customer care number of SBI Cards at 1860 500 1290, 1860 180 1290, 1800 180 1290 or 39 02 02 02 (Prefix local STD code) to know the status of your SBI credit card payment. 

Mobile Application

You can download the SBI Card Mobile application and use it to pay credit card bills. Visit ‘Your Account’ to check the status of your credit card payment. See recent and unbilled transactions to find the details.

SBI Credit Card Late Payment Charges

Follow this table to know the late payment charges of SBI credit cards:

Payment Processing Time for SBI Credit Card Payment Methods

Here are some processing times for SBI credit card bill payment via different payment methods–

You can complete SBI credit card payment instantly via multiple online channels like net banking, mobile app, NACH, NEFT, and BillDesk. Offline options like branch counters, ATMs, or dropboxes are also available. Timely SBI credit card bill payment avoids late fees and maintains a good credit score.

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