SBI Credit Card Bill Payment Online Offline Mode
SBI (State Bank of India) is one of India’s leading financial institutions, offering a wide range of banking services, including credit cards. As a credit cardholder, it is essential to understand the various bill payment methods available to ensure timely and convenient payments. SBI provides both online and offline modes for credit card bill payments, catering to the diverse needs of its customers.
Online Mode :
Internet Banking: SBI offers its credit cardholders the convenience of paying their bills through internet banking. To make the payment, log in to your SBI internet banking account and select the credit card payment option. Enter the required details, such as the credit card number and the amount to be paid. Next, choose the bank account from which you wish to make the payment. Verify the details and confirm the transaction. The payment will be processed instantly, and you will receive a transaction acknowledgment.
SBI Card Mobile App: For those who prefer using their smartphones, SBI provides a dedicated mobile app for credit card bill payments. Download the SBI Card Mobile App from the app store, register your credit card, and log in to your account. Navigate to the “Pay Now” section, select the payment method (net banking, debit card, or UPI), and enter the payment details. Verify the transaction and submit it. The app offers a user-friendly interface and ensures secure payments.
Auto-Pay Facility: To ensure timely payments and avoid late fees, SBI credit cardholders can set up an auto-pay facility. With this feature, your credit card bill amount will be automatically deducted from your linked bank account on the due date. To enable auto-pay, visit the SBI Card website or contact customer service. You can choose to pay the minimum amount due, total amount due, or a specific fixed amount through this facility.
NEFT/IMPS: Another online mode of payment is through NEFT (National Electronic Funds Transfer) or IMPS (Immediate Payment Service). Log in to your internet banking account and add your SBI credit card as a beneficiary using the card’s IFSC code and account number. Transfer the desired amount from your bank account to your credit card account. It may take up to a few hours for the payment to reflect in your credit card account.
SBI Credit Card Bill Payment Online Offline Mode
Offline Mode :
Cash Payment at Branch: SBI credit cardholders can make bill payments in cash by visiting the nearest SBI branch. Collect a pay-in-slip from the bank, fill in the necessary details, and submit it along with the cash payment to the bank teller. Once the payment is processed, you will receive a receipt as proof of payment.
Cheque Payment: For those who prefer paying by cheque, you can draw a cheque in favor of “SBI Card No. XXXX XXXX XXXX XXXX” (mention your credit card number) and drop it at the designated drop boxes available at SBI branches. Ensure that you write your name and credit card number on the back of the cheque and allow a few days for the payment to be credited to your credit card account.
Electronic Drop Box: SBI provides the convenience of an electronic drop box facility for credit card bill payments. Fill in the payment details on the envelope provided and drop it into the electronic drop box available at select SBI branches. The payment will be credited to your credit card account within a few working days.
ATM Fund Transfer: SBI account holders can also make credit card bill payments through an SBI ATM. Insert your debit card into the ATM, select “Fund Transfer,” and choose the “Card Payment” option. Enter your credit card number, the amount to be paid, and authorize the transaction using your ATM PIN. The payment will be processed, and you will receive a confirmation message.
SBI credit cardholders have the flexibility to choose from a range of online and offline payment options for settling their credit card bills. Online modes such as internet banking, the SBI Card Mobile App, and auto-pay offer convenience and quick processing, while offline methods like cash payments, cheque payments, and ATM fund transfers cater to customers who prefer traditional modes of payment. Regardless of the chosen mode, it is essential to make timely payments to avoid late fees and maintain a good credit score. SBI’s diverse payment options ensure that customers can manage their credit card dues efficiently.
about SBI Credit Card Bill Payment
What should you do if a payment is made, but does not appear on your SBI credit card statement or online card account statement?
You must notify the bank in this instance that the SBI online credit card or offline bill payment has not been posted to your account.
The documents that prove you made the payment must be prepared
As proof of payment, you can present a copy of an electronic payment receipt or a canceled cheque.
You should also file a dispute against the bank
The complaint must be filed within a specific time limit from the date the bank sent the incorrect statement.
What happens if the monthly minimum amount due to State Bank on credit card bills are increased and the individual cannot afford it?
You will need to contact your bank immediately to discuss a payment plan.
Can banks charge customers a fee to allow them to use a particular payment method?
Due to exceptional circumstances, banks may charge fees for the use of a particular SBI credit card bill payment option. A bank may charge you a fee if the method of payment you use requires an expedited service or if additional costs are incurred by the bank.
What is the difference between a late payment and a timely payment?
SBI credit card bill payments are considered late or timely depending on the date funds were credited to your account. It is important to make sure that the payment has not been mailed late or missed, but that it has been received by the bank and cleared.
This can be done by checking your bank account, from which the payment was made. SBI should be able to receive the payment the same day, or the next business day, if the payment has been debited from a bank account.
If the payment was mailed after the due date, can State Bank charge a late fee?
This is because you must make your SBI credit card bill payments by the due date. A late fee will be applied to cheques that have been sent but not received or not cleared by the due date. You will be charged a late fee if you send a payment through certain methods that could delay clearance.
State Bank can post the payment to credit card accounts on back-order.
Banks will not post the payment to a credit card account late. Banks can however set reasonable requirements to process payments. If the cardholder meets these requirements, the bank will usually credit the card balance in 3-4 business days.