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.
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 bank offers various channels for SBI Credit Card online payment:
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.
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.
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.
Offline channels are also available to complete your SBI credit card payment. The channels are:
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.
Complete your SBI credit card payment at any SBI ATM using your debit card.
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.
There are two ways to make SBI credit card bill payment from another credit card:
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.
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.
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.
You can check your payment status via these methods:
Use your user ID and password to log in to ILA and ask the chatbot to get your unbilled and recent transactions.
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.
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.
Follow this table to know the late payment charges of SBI credit cards:
Outstanding Amount (Rs.) | Late Payment Fees (Rs.) |
0-500 | NIL |
501-1,000 | 400 |
1,001-10,000 | 750 |
10,001-25,000 | 950 |
25,001-50,000 | 1,100 |
Above 50,000 | 1,300 |
Here are some processing times for SBI credit card bill payment via different payment methods–
Payment Method | Processing Time |
Paynet-Pay Facility | Instant credit |
Online SBI Payment | Instant credit |
Unified Payment Interface (UPI) | Instant credit |
NEFT (National Electronic Funds Transfer) Payment | Instant credit |
SBI ATM Payment | 2 working days |
OTC (Over the Counter) Payment | 2 working days |
(EBP) Electronic Bill Payment | Instant credit |
Visa Money Transfer | Instant credit |
Cheque Payment | 4 working days |
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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