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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 bank allows various channels to pay your outstanding amount online. Here are some popular modes given by SBI:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 that it will take 2 working days for the payment to reflect in your SBI credit card account.
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.
Besides the above online and offline modes, there is one additional mode to pay your SBI credit card bill. This includes:
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.
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.
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.
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’.
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:
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.
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 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.
Related SBI Articles:
1. SBI Bank Balance Check Number
2. SBI Credit Card Customer Care Number
3. How to Apply for SBI ATM Card Online and Offline?
4. SBI Debit Card Charges
6. How to Download SBI Life Insurance Premium Receipt?
7. SBI Credit Card Cash Withdrawal Charges
8. SBI Annuity Deposit Scheme
9. How to Link Aadhaar Card with SBI Bank Account
10. SBI Savings Account Interest Rate & Minimum Balance
11. SBI Personal Loan Interest Rate
12. SBI ATM Card Block - How To Block SBI ATM Card?
13. SBI Debit Card - How To Activate SBI Debit Card Online/Offline?
14. Close SBI Credit Card - How To Close SBI Credit Card?
15. Unblock SBI Credit Card - How To Unblock SBI Credit Card?
16. How To Block SBI Credit Card?
17. SBI Debit Card PIN Generation - How To Generate SBI Debit Card PIN?
18. SBI Car Loan Customer Care (24x7 Toll Free) Number
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