SBI Credit Card Billing Cycle

Your SBI Credit Card billing cycle is the period between two consecutive statement generation dates. Knowing this cycle helps you plan expenses, maximise the interest-free period, and avoid late fees. You can check your billing cycle through the following methods:

• SBI Card Website: Log in, go to ‘My Account,’ and view your billing details

• SBI Card Mobile App: Open the app, select your credit card, and check the billing cycle for an SBI credit card

• Monthly Statement: Your e-statement or physical statement includes the bill date for SBI credit card

• Customer Care: Call 1800-11-2211 to confirm your SBI credit card billing cycle

SBI Card offers multiple online and offline payment methods to ensure convenient bill payments. Here’s how you can pay your SBI Credit Card bill using different options:

Pay via National Electronic Funds Transfer (NEFT)

1. Log in to your bank’s NetBanking portal

2. Register SBI Card as a beneficiary in the third-party transfer section

3. Provide the IFSC code SBIN00CARDS in the required field

4. Use your 16-digit SBI Credit Card number as the account number

5. Select the beneficiary account type as ‘Credit Card Payment’ or ‘Savings Account’

6. Click ‘Submit’ to complete the beneficiary registration

 

Note: Payments made via NEFT are credited instantly to your SBI Credit Card account.

Pay via Paynet – Online Payment

1. Log in to SBI Cards website using your SBI Card online Customer ID and password

2. Click on ‘Pay Now’ on the dashboard

3. Enter the payment amount you wish to pay

4. Select your payment mode and bank name from the dropdown menu

5. Confirm the details and proceed to your bank’s payment interface to authorise the transaction

6. After a successful payment, your account will be debited, and you’ll receive a confirmation with a Transaction Reference Number via SMS and email

Pay Via Visa Credit Card Pay

1. Log in to your bank’s NetBanking portal using your user ID and password

2. Navigate to the ‘Third Party Funds Transfer’ section and select ‘Visa Credit Card Pay’

3. Enter the sender and recipient details to initiate the transfer

4. Review the details and click ‘Confirm’ to complete the transaction

 

Note: The amount will be debited from your account and scheduled for payment to your SBI credit card.

Pay Via - Standing instruction

1. Log in to SBI Card and go to ‘My Dashboard’.

2. Under the ‘Service’ section, select the ‘NACH’ tab.

3. Choose your preferred auto-debit option:

• Total Amount Due (TAD)

• Minimum Amount Due (MAD)

1. Click ‘Proceed’ to be redirected to the registration page.

2. Verify the pre-filled details and enter your bank details.

3. Complete the e-Mandate form and authenticate using NetBanking or Debit Card.

4. You will receive a Reference Number and confirmation on-screen.

 

Note: NACH activation takes up to 4 working days.

Pay via Debit Card

1. Visit the SBI Card BillDesk portal to make your payment

2. Enter your SBI Credit Card number, payment amount, and email ID

3. Select ‘Debit Card’ as your payment mode and choose your bank account. You will be redirected to your bank’s payment interface.

4. Enter your debit card details, including authentication credentials (user ID, password, and PIN)

5. Confirm the payment. Your bank account will be debited, and you will receive a confirmation via SMS and email

Pay via SBI Card Mobile App

1. Download the SBI Card mobile app from the Apple App Store, Google Play Store, or Windows Store

2. Log in using your SBI Card user ID and password. If unregistered, tap ‘Register Now’

3. Tap ‘Pay Now’ on the Account Summary page

4. Enter your registered mobile number and email ID (if not updated)

5. Select the payment amount:

• Total Outstanding Amount

• Minimum Amount Due

• Custom Amount

1. Choose the payment mode and bank name, then confirm the details

2. You’ll be redirected to your bank’s payment interface to complete the transaction

 

Note: Your account will be debited instantly, and you’ll receive a transaction confirmation via SMS and email. The payment will reflect immediately on your SBI Credit Card account.

Pay Via UPI

1. Select Paynet on the SBI Card website or mobile app, or tap ‘Pay Now’

2. Enter your 16-digit SBI Credit Card number, payment amount, and select UPI as the payment mode

3. On the UPI payment page, choose one of the options:

• UPI ID

• QR Code

1. If using UPI ID: Your UPI-enabled app will open. Enter your UPI PIN to complete the payment

2. If using QR Code: Log in, click ‘Pay Now’, select ‘UPI’, and scan the QR code. Authorise the payment on your UPI app

 

Note: The payment will be updated immediately in your SBI Credit Card account.

Pay via YONO by SBI

1. Log in to the YONO by SBI app using your MPIN or Internet Banking credentials

2. Go to ‘My Credit Cards’ under ‘My Relationships’ and select your SBI Credit Card

3. Tap on ‘Credit Card Details’, then click ‘Pay Now’

4. Choose the SBI account to make the payment from

5. Enter the payment amount and tap ‘Pay Now’ to complete the transaction

The Bill date for SBI Credit Card determines when your statement is generated, and the due date is when the payment must be made. It is usually 20 to 25 days after the Billing cycle for an SBI Credit Card ends. You can check your SBI credit card billing cycle via the SBI Card website, mobile app, statement, or customer care.

SBI Card charges a late payment fee based on the total outstanding amount. Here is the applicable fee structure:

Note: Late fees apply if you fail to pay the minimum amount due by the bill generation date for SBI credit card.