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NEFT Payment

  • Q1. What is NEFT?

  • National Electronic Funds Transfer (NEFT) is a service that facilitates the electronic transfer of funds from any bank account to SBI Card. You can use this service to pay your SBI Card outstanding through any bank account that allows NEFT.

  • Q2. Do all the bank branches in the country offer NEFT funds transfer facility?

  • To become a part of the NEFT funds transfer network, a bank branch has to be NEFT-enabled. Currently, about 220 banks offer NEFT facility.

  • Q3. How can I know if my bank is a part of NEFT network?

  • You can get the list of bank branches that are a part of NEFT funds transfer network on the website of Reserve Bank of India,

    You can also log on to your bank’s website to check if your bank allows NEFT.

  • Q4. How can I know if I am eligible to use NEFT service to pay my SBI Card dues?

  • If you maintain a bank account and have an active third party transfer under net banking, you can pay your dues using NEFT facility.

  • Q5. How can I pay my SBI Card outstanding using NEFT?

    • Step 1: Log in to the net banking facility of your bank. Add SBI Card as a beneficiary under third party transfer.
    • Step 2: Enter the IFSC code ‘SBIN00CARDS’
    • Step 3: Enter your 16-digit SBI Credit Card number in place of account number on the banking page
    • Step 4: Select Beneficiary Account type as ‘Credit Card Payment’ or ‘Savings Account’
    • Step 5 : Click ‘Submit’ button to complete your registration process.
  • Q6. Is there any limit on the amount that could be transferred through NEFT?

  • There is no limit, on the amount of funds that you can transfer, using the NEFT facility.

  • Q7. What is IFSC?

  • IFSC or Indian Financial System Code is an 11 digit alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. IFSC for SBI Card is SBIN00CARDS.

  • Q8. What if the customer provides a wrong IFSC?

  • The payment is transferred to the branch, whose IFSC has been provided. If you have used a wrong IFSC, the payment will get transferred to that branch. You will then need to contact the respective branch and settle the matter mutually.

  • Q9. How long will it to take for NEFT payment to reflect in my SBI Card account?

  • Your payment amount will be credited to your SBI Credit Card account instantly.

  • Q10. What are the processing or service charges levied on NEFT transactions?

  • The charges applicable on this service are based on the rules and regulations of your bank. There are no uniform charges that are applied for NEFT transactions.