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

Updated on: Mar 26th, 2025

6 min read

Knowing the SBI credit card payment process is crucial for clearing dues on time and maintaining a good CIBIL score. You can make payments through various online and offline channels. This article outlines the complete process for SBI credit card bill payments.

SBI Credit Card Payment Online

SBI bank allows various channels to pay your outstanding amount online. Here are some popular modes given by SBI:

1. SBI Credit Card Website

You can easily pay your SBI credit card bill via the SBI credit card website. Simply log in, click on ‘Pay Now’, and choose the payment amount to complete the transaction.

2. Paynet-Pay Facility

Make your SBI credit card payment quickly using the Paynet-Pay facility. Visit the Paynet-Pay page, enter your details, and proceed with payment via net banking, debit card, or UPI.

3. SBI Mobile Banking App

The SBI mobile banking app provides an option to pay your SBI credit card bill. Log in to the app, register your credit card by providing your email ID, mobile number, and due amount, and complete the payment.

4. NEFT Transfer

To pay your SBI credit card bill via NEFT, log in to your bank’s internet banking portal. Add your SBI credit card as a beneficiary under third-party transfers and initiate the payment through NEFT.

5. NACH (National Automated Clearing House)

Set up an NACH payment to pay your SBI credit card bill automatically. Fill out the e-NACH enrollment form and select your preferred payment amount (total or minimum). Your dues will be deducted automatically after the bill is generated.

6. SBI Auto Debit Facility

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

7. Electronic Bill Payment

Pay your SBI credit card bill 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.

8. SBI Yono App

The SBI Yono App also allows you to pay your SBI credit card bill. Simply log in, navigate to the ‘My Credit Cards’ section, select the card, and proceed with the payment.

9. Visa Credit Card Pay

For SBI Visa credit card holders, you can make payments through the Visa Credit Card Pay method. Log in to your bank’s net banking portal, select ‘Third Party Funds Transfer’, and choose Visa Credit Card Pay to settle your outstanding bills.

10. Debit Card Payment

You can also use your Rupay debit card or any other supporting bank’s debit card to pay your SBI credit card bill. Simply visit the Paynet page and complete the payment using your debit card.

SBI Credit Card Payment Offline

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

1. 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 that it will take 2 working days for the payment to reflect in your SBI credit card account.

2. Pay via SBI ATM

Pay your SBI credit card bill 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?

Besides the above online and offline modes, there is one additional mode to pay your SBI credit card bill. This includes:

Manual Drop Box

1. Pay via 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).

2. Dropbox Clearing Timings

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.

SBI Credit Card Payment BillDesk

You can make the SBI credit card payment through the BillDesk page (Paynet-Pay facility) by following the below steps:

Step 1: Open the SBI card BillDesk page.

Step 2: Select the payment method- ‘Card Number’ or ‘Account Number’.

Step 3: Enter the credit card number or the account number.

Step 4: Re-enter the card number or account number

Step 5: Enter your Email address, Mobile number and the amount to pay.

Step 6: Select your payment method - Internet banking, debit card or UPI and click ‘Pay Now’.

Step 7: Authorise the payment and wait for 24 to 48 hours for settlement.

How to Pay Credit Card Bills from Another Credit Card?

1. 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.

2. 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.

SBI Credit Card Payment through Debit Card

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.
You can also pay your credit card bill at any SBI ATM using 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.

How to Make Payment through Yono via the SBI App?

If you have SBI Yono App on your mobile, you can pay your credit card bills instantly by following these steps:

Step 1: Log in to your SBI Yono app.

Step 2: Visit the ‘My Credit Cards’ under ‘My Relationships’ and select the credit card you want to pay for.

Step 3: Click on credit card details. The card summary page will be displayed. Here, click ‘Pay Now’ option.

Step 4: On the payment page, select your SBI account.

Step 5: Enter the amount (entire outstanding bill or minimum amount due) and click ‘Pay Now’.

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:

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

Payment Processing Time for SBI Credit Card Payment Methods

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 pay your SBI credit card bill instantly through multiple online channels such as net banking, mobile app, NACH, NEFT, and BillDesk. If you're not tech-savvy, you can pay offline by visiting an SBI branch or ATM. Timely payments are crucial to avoid negative impacts on your CIBIL score.

Similar Articles:
1. Axis Bank Credit Card Payment
2. HDFC Credit Card Payment

Frequently Asked Questions

How can I autopay my SBI credit card bill?

To set autopay for your credit card, use the SBI auto debit facility. Download your bank’s auto-debit activation form, fill in the details, and submit it to make payments automatically. Alternatively, you can issue standing instructions via the mobile app or net banking channel to pay your bill automatically.

How long does it take to pay SBI credit card bill?

The time taken for SBI credit card bill payment depends on the method you are using to pay your bill. For SBI Yono, Online SBI, UPI, NEFT, Visa, money transfer, etc., the amount reflects instantly to your credit card account. For SBI ATM payment and OTC payments, it takes up to 2 working days. For cheque payments, it takes up to 4 working days to reflect on your card.

Can I pay using the SBI card app?

Yes. You can pay your credit card bill from the SBI Card Mobile app. Just log in to the app and go to ‘Pay Now’ from the ‘Account Summary’ page. Enter your registered email ID, mobile number and the amount you want to pay. Select the payment option and complete your payment.

How can I check my SBI credit card bill or statement online?

To check your SBI credit card bill online, log in to the SBI credit card website. Go to the ‘My Accounts’ section from the left-hand side and click on ‘Card Statement’. Now, you can print/view/download your statement for the previous 24 months.

How do I pay my credit card bill at an ATM?

Visit your nearest SBI ATM and enter your debit card. Go to the ‘Bill Pay’ option under the services tab. Enter your credit card number and complete the transaction. After payment, you will get an instant receipt from the machine.

Can I pay my SBI credit card bills using any debit card?

Yes, you can pay your SBI credit card bills using any debit card. Use the BillDesk facility to pay using your debit card. In addition, you can go to an ATM to pay your bills.

How can I make my SBI credit card outstanding payment using my debit card?

SBI credit card bills can be paid through a debit card from any payment app like Paytm, PhonePe, etc. The BillDesk gateway also supports debit cards towards your SBI credit card online payment. You can also pay your bill at any SBI ATM using your debit card. Another way is to visit the official site of SBI Cards and go to ‘Bill Payment’. Select your debit card as the payment method at the final step.

Will I get confirmation of a successful transaction?

After a successful credit card transaction, you can see the transaction reference number and it will be sent as an SMS to your registered mobile number and an email as a confirmation message.

What should I do if the credit card number I have entered is wrong?

If your card number is wrong and not valid, your payment will be automatically reversed to your source of payment. In case you have made a payment to a valid but wrong card number, contact the SBI customer care team immediately for help.

What should I do if the bank from which I wish to make the payments does not feature in the list?

Simply pay your credit card bill using your bank's NEFT system. Your 16-digit credit card number is the bank account number. Complete a NEFT payment using bank account details, and you will be able to pay your bills.

What is SBI Pay?

SBI Pay is a payment solution which allows SBI account holders to pay and receive money using UPI using their smartphones.

How can I register my utility bill payment?

To register utility bill payments with your credit card, visit the SBI credit card website and log in. Go to the ‘Bill Payments’ tab from the left navigation bar. Register the biller and complete your utility bill payment.

Can a customer make payments through a non-SBI account?

Yes. Your bank will have a UPI platform. Using it, you can pay through a non-SBI account.

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

Contact the customer support team of SBI card immediately for help.

Can I pay credit card bills through other bank UPI apps?

No. Because it is only available from the BHIM SBI app.

Can I pay my SBI credit card payment through NEFT?

Yes. Use your 16-digit credit card number as the bank account number. Complete a NEFT payment by entering your account number details, and you will be able to pay your bills.

What is the interest rate of SBI credit card bill payments after the due date?

After the due date, the interest rate is up to 3.50% per month (42% per annum) if you do not pay your minimum due amount by the prescribed date.

What is the minimum due amount for SBI card online payment?

The minimum due amount is the balance you have to pay on or before the payment due date to continue using your SBI credit card. The due amount is inclusive of 5% of the total outstanding + EMI on EMI-based products applicable taxes.

What are the reward points in the SBI card payment?

You can earn reward points on every SBI credit card. However, each credit card has a different reward system with different redemption options. You can check each credit card feature from the SBI credit card website to check the reward point system.

Can I make an SBI card payment if my card is blocked?

No. You cannot pay if your card is blocked. First, unblock your card and try to make a transaction.

About the Author

Mayashree Acharya

Senior Content Writer

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

Browse by topics

Income Tax e-Filing

Income Tax Slabs FY 2024-25

How To File ITR

Which ITR Should I File

Last Date To File ITR For 2024-25

Old vs New Tax Regime

Aadhaar Card Pan Card Link Status