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Home > FAQs > Balance Outstanding/Amount due

Balance Outstanding/Amount due

  • Q1. What is my credit card outstanding balance?

  • Your credit card outstanding balance is an aggregate of unpaid charges billed to your SBI Card account during a particular month. It includes:-

    • Purchases
    • Purchase Returns
    • Payments
    • Insurance Premiums
    • EMIs
    • Fees & interest
    • Other charges,  click here for  more details

    The outstanding amount for a particular month along with the payment due date is communicated to through monthly statements and SMS alerts.

  • Q2. How can I check my Credit Card Outstanding and Available Credit Limit?

    • ChatBot ILA: Login to ILA using your online account user ID and password and ask account information like available credit limit, outstanding balance, statement summary, payment history, transaction history, unbilled transaction & Rewards Points etc.
    • WEBSITE: Login to your SBI Card account through sbicard.com and check the ‘Current Outstanding’ in Account Summary section.
    • APP: Log into the SBI Card Mobile App and check the ‘Total Outstanding’ under the Summary Tab. Click Here to downoad.
    • Missed call service: Give a Missed call on 8422845512 from your registered mobile number, An instant SMS will be sent on your mobile with latest limits and outstanding.
    • SMS: SMS BAL where XXXX = Last 4 digits of your SBI Card or TATA Card number to 5676791 from your registered mobile number.
    • EMAIL: Write to us at sbicard.com/email
    • CALL US: Call us on our helpline number to check the details.

  • Q3. What is Total Amount Due and how it is calculated?

  • Total Amount Due is the amount due for payment as on the statement date. It includes your opening balance, new purchases, fees & finance charges if any, minus your last payment or any other due credits.

    Click here to know schedule of charges

  • Q4. What is Minimum Amount Due and how is it calculated?

  • The 'Minimum Amount Due' is the minimum amount you are required to pay, on or before the payment due date, to maintain your card account in good standing. By calculating a minimum amount, the bank ensures that you are able to repay a portion of the principal outstanding every month.

    Minimum Amount due shall be Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance Charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)

    W.e.f. 15th March 2024, In case 5% of (Finance Charge + Retail Spends and Cash Advance) is less than Finance Charges then MAD calculation will be Total GST + EMI amount + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any)

    The minimum amount due for a particular month is communicated to you through monthly statements and SMS alerts.

    Click here for more details

  • Q5. What happens if I do not pay any amount due before the due date?

  • Not making the payment to your card account on or before the due date leads to:-

    • Levy of additional late payment fees, interest and other charges.
    • A possible suspension of your card.
    • Negative effects on your future financial credentials and a negative score at CIBIL.

    Please refer the Most Important Terms & Conditions to know the fees & charges.

  • Q6. What happens if I pay only the Minimum Amount Due?

  • Paying only the Minimum Amount Due every month would result in the repayment stretching over years with consequent interest payment on your outstanding balance. To view the interest, fees & charges, visit the “Most Important Terms & Conditions” according to your card type-

    For Personal Cards, click here

    For Corporate Card, click here

  • Q7. How can I find out the Total Amount Due, Minimum Amount Due and Payment Due Date?

  • •Chatbot ILA: Login to ILA using your online account user ID and password and ask account information like Total Amount Due, Minimum Amount Due and Payment Due Date.
    •Website: Login to your SBI Card account and check the details in the ‘My Card’ section.
    •Mobile App: Login to the SBI Card Mobile App and check the details in the ‘Last Billed Summary’ section.

  • Q7. How can I check available credit and cash limit of my card?

    • Chatbot ILA: Login to ILA using your online account user ID and password and ask account information like available credit and cash limit etc.
    • WEBSITE: Login to your SBI Card account through sbicard.com and check the available credit and cash limit in Account Summary section.
    • APP: Log into the SBI Card Mobile App and check the available credit and cash limit under the Summary Tab. Click Here to download the mobile app.
    • Missed call service: Give a Missed call on 8422845513 from your registered mobile number, An instant SMS will be sent on your mobile with latest available credit & cash limit
    • SMS: SMS BAL where XXXX = Last 4 digits of your SBI Card or TATA Card number to 5676791 from your registered mobile number
    • EMAIL: Write to us at sbicard.com/email
    • CALL US: Call us on our helpline number to check the details.