SBI Card Credit Card Bill Payment: 6 Ways in 2026

Every way to pay your SBI Card credit card bill — NetBanking, UPI, mobile app, NEFT, cheque, cash. Reference numbers, IFSC details, and the fastest method per use case.

6 ways to pay your SBI credit card bill

  1. NetBanking — https://sbicard.com. Login → Cards → Pay Bill. Instant credit, no fee.
  2. UPI — pay to sbicard.<card-no>@sbi from BHIM / PhonePe / GPay / Paytm. Instant credit. ₹0 MDR for personal payments below ₹2L.
  3. Mobile app — SBI Card Mobile App / YONO SBI / BHIM SBI Pay. Download from Play Store / App Store. Login with your registered mobile.
  4. NEFT / IMPS from another bank — beneficiary: your 16-digit card number. IFSC: check the back of your card or your statement. Credits in 2-30 minutes.
  5. Cheque / DD — Drop at any SBI ATM/branch — payee 'SBI Card <card no>'. Allow 3-5 working days for credit.
  6. Branch payment — Any SBI Bank branch (cash) or SBI Card drop-box. Same-day credit.
  7. Auto-pay — NACH mandate via SBI Card website or standing instruction via SBI net-banking. Set to "full statement balance" to avoid all interest charges.

Numbers and contact methods sourced directly from SBI Card's public help pages. The bank may update contact options without notice — verify on the bank's official website before any financially sensitive action.

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FAQ

How do I pay my SBI Card credit card bill?
Six options for SBI Card credit card payment: NetBanking via https://sbicard.com; UPI via sbicard.<card-no>@sbi; SBI Card Mobile App / YONO SBI / BHIM SBI Pay; NEFT/IMPS from any bank to the credit-card number as beneficiary account; cheque/DD drop at any SBI ATM or branch; cash payment at any SBI branch. Auto-pay is also available via standing instruction.
Can I pay my SBI credit card bill from another bank?
Yes. Use NEFT or IMPS from your other bank's NetBanking, with the beneficiary set as the 16-digit credit card number and IFSC of your SBI card-issuing branch (check the back of your card or your statement). UPI also works — pay to the VPA sbicard.<card-no>@sbi from BHIM / PhonePe / Google Pay / Paytm. Payments via UPI typically credit instantly; NEFT/IMPS within 2-30 minutes.
What is the SBI credit card UPI handle for bill payment?
SBI accepts UPI bill payment via sbicard.<card-no>@sbi. Replace <card-no> or <last4> with the relevant digits from your physical card. UPI payments below ₹2 lakh credit instantly with zero MDR to the cardholder.
How do I set up auto-pay on my SBI credit card?
NACH mandate via SBI Card website or standing instruction via SBI net-banking
What if I can't access SBI NetBanking or app?
Fall back options: (1) walk into any SBI branch with cash + your card. (2) Drop cheque/DD at any SBI ATM (24×7). (3) NEFT/IMPS from another bank via the beneficiary route above. (4) Call 1860 180 1290 / 39 02 02 02 (prefix STD code) — IVR allows payment via UPI link sent over SMS.
RBI regulatory notice

Regulated by Reserve Bank of India.

Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.

Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.

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