Different Ways to Make SBI Credit Card Bill Payment

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SBI Credit Card is the leading credit card issuer in India which offers credit cards with unique benefits over all major categories. SBI Cashback Credit Card, SBI Simply Save Credit Card, SBI Simply Click, SBI Card ELITE and BPCL SBI Card are some of the most popular SBI Credit Cards. As each card is unique and focused on individual needs like travel, shopping, fuel, and groceries, choosing the right card for the right need becomes important. 

SBI Card offers multiple ways to make the payment of SBI Credit Card Bill i.e. online as well as offline. Before hitting on the SBI Credit Card Apply button, one should know the different modes of payment. Let us have a look at different ways of SBI Card payments.

Below mentioned are the different online and offline methods available to make SBI Credit Card Payments:

  1. Online Methods:
  2. SBI Website:

Step 1: Log in to the official website of SBI Card.

Step 2: Click on “View/ Pay Bills”.

Step 3: Select “Without Bills”.

Step 4: Click “Pay” after choosing SBI Card as the biller.

Step 5: Select the SBI Account Number.

Step 6: Enter the amount to be paid.

Step 7: Click on “Pay Now”.

Step 8: Confirm/ Submit the payment request.

  1. SBI Net Banking:

Step 1: Log in to the SBI Internet Banking account.

Step 2: Click on SBI Cards.

Step 3: Add an SBI Card as a beneficiary.

Step 4: For SBI Card payments, enter the IFSC Code “SBIN00CARDS”.

Step 5: Enter the 16-digit SBI card Number.

Step 6: Select the beneficiary account as ”Credit Card Payment” or “Savings Account”.

Step 7: Enter “SBI Credit Card- NEFT” as the bank name.

Step 8: Fill in the address as “Payments Systems Group, State Bank GITC, CBD Belapur, Navi Mumbai”.

Step 9: Click “Submit.”

  1. SBI Yono App:

Step 1: Download the SBI Card mobile app from the respective Play Store.

Step 2: Register SBI Credit Card on the application. 

Step 3: Login using SBI User ID and Password.  

Step 4: Click on the link to pay the balance on the Account Summary page.

Step 5: Enter the details as requested on the mobile number and email ID.

Step 6: Select the payment option along with the debiting bank name.

Step 7: Confirm the details and then click on “Proceed”.

Step 8: Authorize the payment. 

Step 9: A confirmation Transaction Reference will be received once the payment is completed. 

  1. AutoPay Facility:

Step 1: Download the autopay form from the official website of SBI Card.

Step 2: Fill in the printed copy of the form by entering the details required.

Step 3: Choose from “Total Amount Due” or “Minimum Amount Due”. 

Step 4: The bank will then verify the details entered.

Step 5: Send the completed form to the address provided by SBI Card.

Step 6: The amount will get credited on the payment due date.

  1. Visa Money Transfer:

Step 1: Log in to the non-SBI bank’s internet banking portal.

Step 2: Click on the option Visa Money Transfer.

Step 3: Add a new beneficiary with the help of SBI credit card details.

Step 4: Transfer the bill amount directly to the credit card.

Step 5: The payment will then get credited on an immediate basis.

  1. Paytm and other Digital Wallets:

Step 1: Download the application and register.

Step 2: Provide the details of the credit card.

Step 3: Initiate the payment using a wallet balance or linked bank account.

  1. Bill Desk and Third-Party Portals:

Step 1: Visit the respective payment portal/

Step 2: Select from the list of payment options including net banking, debit cards, and digital wallets.

Step 3: Complete the payment process.

Step 4: The payment will then get credited once the transaction is completed. 

  1. UPI (BHIM SBI Pay)


Step 1: Download the BHIM SBI pay App from the Google Play Store or Apple App Store. 

Step 2: Register using the mobile number.

Step 3: Using the SBI handle, create a Virtual Payment Address (VPA) and link your bank account with it.

Step 4: Set UPI PIN.

Step 5: All ready to transact using the virtual address.


Step 1: Select Pay by VPA which must be ‘Sbicard.’ followed by ‘16 digit SBI Card number’ and ending with ‘@SBI’. 

Example: Sbicard.4726420123456789@SBI.

Step 2: Enter the amount and click “Go”.

Step 3: Verify the MPIN of the bank account.

Step 4: Click on Submit.

  1. Offline Methods:
  2. SBI ATMs:

Step 1: Visit the nearest ATM of SBI Bank.

Step 2: Insert the debit card.

Step 3: Select “Services” and “Bill Pay”.

Step 4: Enter the SBI Card number along with the amount to be paid.

Step 5: Confirm the transaction to settle the dues using the savings or current account.

Step 6: The payment will then get credited on an immediate basis.

  1. SBI Branches:

Step 1: Visit any nearest branch of SBI Bank.

Step 2: Collect a payment slip from the information desk.

Step 3: Fill out the payment slip by entering the credit card details.

Step 4: Submit the payment slip to the bank teller along with the cash or cheque for the amount to be paid.

Step 5: The payment will then get credited on an immediate basis.

  1. NEFT/ RTGS:

Step 1: Log in to the non-SBI bank’s internet banking portal.

Step 2: Click on “Third Party Funds Transfer”.

Step 3: Add a new beneficiary by entering SBI Credit Card details.

Step 4: Use the IFSC code “SBIN00CARDS” for SBI Card payments.

Step 5: Transfer funds using a 16-digit credit card number as the account number.

Step 6: The payment will then get credited within 3 hours.

Payment Processing Time for the Various Methods

MethodProcessing Time
Online SBIInstantly
Pay Net-Pay Online (Bill Desk)Instantly
Debit Card/ATMInstantly
SBI Mobile BankingInstantly
SBI Card Mobile AppInstantly
Visa Credit Card PayWithin 3 working days
NEFT/RTGSIf Payment is done by 3:30 pm it will be credited within 3 banking hours

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