SBI Cards and Payment Services Limited is the second-largest credit card issuer in the country. So, in this post, let us discuss in detail about how to pay SBI credit card bill online & offline.
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SBI Credit Card Bill Payment
State Bank of India offers a wide variety of credit cards to suit your lifestyle. It also offers multiple options, both online and offline, to pay your credit card bill without any hassle.
You can pay SBI credit card bill via various online options like NEFT, Debit card, UPI, etc. You can also choose offline options like over the counter, SBI ATM, etc. to make your SBI credit card bill payment.
Note that every mode has a different payment processing time. Therefore, you need to be aware before initiating payment to pay your bills.
16 Ways to Pay SBI Credit Card Bill Online & Offline?
As mentioned above, the State Bank of India offers multiple options to pay your SBI credit card outstanding. However, these options are broadly classified in online and offline modes.
1. Online method
2. Offline method
Here are various ways to pay off your SBI card outstanding easily.
SBI Credit Card Bill Payment Online Options
Listed below are several online ways to pay the SBI credit card bill online.
1. OnlineSBI (SBI Internet Banking)
2. Pay via YONO Mobile App
3. NEFT Method
4. SBI Auto Debit
5. Pay via UPI
6. Using Debit Card
7. Pay via Mobile App
8. Visa Credit Card Pay
9. Paynet-Pay Online
10. Master Card Money Send
11. Electronic Bill Payment
12. National Automated Clearing House (NACH)
Online SBI (SBI Netbanking)
Log in to SBI online banking and pay your SBI Card dues online from your SBI account. It will help you to pay your SBI credit card dues on time.
There is no need to stand in queues, just pay your SBI credit card bills, whenever it suits you. Here, you make payments directly from your account.
How to pay using SBI Internet Banking
First of all, you need to register “SBI Cards and Payment Services Ltd.” as a biller in the “Bill Payments” section.
Once registered, click on view/pay bills section and select the “Without Bills” option. Next, select the SBI card as the biller and pay your bills.
The payment will get credited instantly in your SBI card account. You need to note your reference number for future enquiries.
Pay Via YONO
You can also opt to pay your SBI credit card bill through the YONO mobile app. The payment will reflect immediately on your SBI card account. To use this facility, download the YONO app on your mobile and link your credit card to it.
Once you have successfully linked your card to the YONO app. Login to YONO App to make the payment. Select “My Credit Cards” under “My Relationships” to select your SBI card. Follow the next set of steps to complete your payment.
You can also pay your card dues through the “YONO website”.
NEFT Method
This is a fast and secure method to pay your SBI credit card bill through any bank account. It is a quick, simple and secure way to pay your SBI card bill.
You can make payments anytime, at your convenience from any bank account (Except State Bank of India) that offers the NEFT facility.
How to register and pay using NEFT
Log in to the internet banking of your bank. Under third party transfer, just add your “SBI Card” as a beneficiary.
Add the IFSC code SBIN00CARDS for making payment. Enter your 16-digit SBI Card number in place of account number and fill bank name as “SBI CREDIT CARD – NEFT”.
Next enter address as PAYMENT SYSTEMS GROUP, STATE BANK GITC, CBD BELAPUR, NAVI MUMBAI. Click on the “Submit” button to register.
Once paid, the payment will reflect in your SBI card account within 3 hours if payments made till 3:30 pm.
SBI Auto Debit
Get your card dues deducted directly from your SBI account on your payment due date. It helps you in paying your card dues on time. This way you enjoy the convenience of paying back directly from your bank account.
To start the SBI Auto Debit facility, you need to download the Auto Debit form from Forms Central. Print the form and fill in the required details. Get the details verified from the bank and send it to the following address:
SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002, Haryana, India.
If you want to discontinue, then send the Auto-Debit De-activation letter to the above address.
Pay Via UPI
You can make payment for your SBI card through UPI. First of all, download the BHIM SBI Pay on your Android phone. Next, set your BHIM SBI Pay login account and register with your phone number.
Next, create VPA (Virtual Payment Address) and set your UPI pin. To pay the SBI credit card bill, click on “Pay by VPA”. It should be the 16-digit number of your SBI card no@SBI. Enter the amount and click on the “Go”. After this, verify the bank account MPIN and click on the “Submit”.
Using Debit Card
You can use your other bank debit cards to pay your State Bank of India card dues online. Select any of the following Bank Debit Cards for making your payment:
Click here to pay your SBI Card outstanding payment. The payment will reflect instantly in your SBI card account.
Pay via Mobile App
You can opt to pay your SBI credit card bill through the SBI card mobile app. Download the SBI card mobile app from the app store. Click here to register.
Next, click on the “Pay now” tab at the bottom of the Account Summary page. Enter the required details. Confirm the details and re-directed to the payment interface to authorize the payment.
Visa Credit Card Pay
In this, you need to use your bank’s net banking facility and transfer funds to any SBI Visa Credit Card. This way you enjoy the convenience of transferring funds using the net banking facility provided by your bank.
The payment will get credited within 3 working days in your SBI card account. It is a quick and secure way to pay your bills.
Paynet-Pay Online
You can pay your SBI credit card bill, using the netbanking facility provided by your bank. Using this facility, you can make a payment anytime, anywhere, using internet banking facility of over 50 banks across India.
The payment will reflect instantly in your State Bank of India card account. You will also receive an acknowledgment of your transaction on the email ID provided by you.
Master Card Money Send
You can use third-party apps that support the Master card platform to pay your Master SBI credit card bill instantly in a secure way. It allows you to pay your SBI credit card bill instantly.
It is a mobile payment solution that facilitates a convenient and quick money transfer service with its partner banks on a third-party payment platform. You will also receive confirmation via an SMS.
Electronic Bill Payment
You can also use the Electronic Bill Pay facility to make online payments, directly from your SBI bank account. You can avail this service through internet banking, ATM, or mobile banking of State Bank of India, Bank of India, Citibank and Indian Overseas Bank.
Here, you have multiple channels to pay your SBI card bill online using this EBP facility. Payment will get reflected within 3 working days in your SBI card account.
National Automated Clearing House (NACH)
In this method, your dues deducted directly from your bank account, on the payment due date. It saves you the effort of issuing cheque every month for the payment of your card dues.
Here, you need to authorize SBI Card to deduct the amount directly from your bank account every month. And, your State Bank of India card account will be credited on the payment due date.
SBI Credit Card Bill Payment Offline Options
Listed below are several offline options to pay SBI credit card bill offline.
1. Through SBI ATM
2. Over the Counter
3. Cheque – Electronic drop box
4. Cheque – Manual drop box
Through SBI ATM
You can pay your SBI card bills using SBI debit card. This facility is available at all SBI ATMs across India. You will also get an instant payment receipt.
Visit your nearest ATM. Insert your debit card and press the services tab to find the “Bill Pay” option. Next, enter your credit card number and the payment amount. It will reflect within two working days in your SBI card account.
Over the Counter
You can pay your card dues over the counter at any SBI branch in India. You need to visit your nearest State Bank of India branch. Fill the pay-in-slip and submit it along with the payment to the teller.
Collect an instant receipt of payment from the teller. It will reflect within two working days in your State Bank of India card account.
Cheque – Electronic drop box
Now you can pay SBI credit card bill by dropping a cheque in an electronic drop box of the bank. You will get the scanned image of the cheque as a receipt.
The payment cheque should be in favour of your SBI card account. The payment will reflect within four working days in your State Bank of India card account.
Cheque – Manual drop box
In this method, you need to drop your payment cheques in any of the SBI drop boxes available across the country. Fill the payee name as “SBI Card No. XXXX XXXX XXXX XXXX” (16-digits of your State Bank of India card number).
Also, mention your name and phone number on the backside of the cheque. The payment will reflect within four working days in your SBI card account.
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Payment Processing Time
The table below gives information about the payment processing time for the SBI credit card payment methods.
| Payment Method | Processing Time |
| OnlineSBI (SBI Online Site) | Instant |
| Pay via YONO Mobile App | Instant |
| NEFT Method | Within 3 hours (If payments made till 3:30 pm) |
| SBI Auto Debit | The payment gets credited on your payment due date |
| Pay via UPI | Instant |
| Using Debit Card | Instant |
| Pay via Mobile App | Instant |
| Visa Credit Card Pay | Within 3 working days |
| Paynet-Pay Online | Instant |
| Master Card Money Send | Instant |
| Electronic Bill Payment | Within 3 working days |
| NACH (National Automated Clearing House) | The payment gets credited on your payment due date |
| Through SBI ATM | Within 2 working days |
| Over the Counter | Within 2 working days |
| Cheque – Electronic drop box | Within 4 working days |
| Cheque – Manual drop box | Within 4 working days |
Final Thoughts
State Bank of India offers multiple convenient methods to pay SBI credit card bill online and offline. You can choose any mode according to your convenience. However, paying State Bank of India card dues online saves a lot of time. You can also maintain a payment record by paying the credit card bill online.
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