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SBI Auto Debit

  • Q1. What is SBI Auto Debit?

  • This is a service which facilitates automatic payment of your SBI Card / Co-partner SBI Card outstanding from your Bank account on the payment due date.

    After signing-up for this facility, your bank account will be debited on the payment date and the amount will be credited to your SBI Card account. While setting up Auto Debit, you can choose the payment amount as Total Amount Due (TAD) or Minimum Amount Due (MAD) as per your SBI Card/Co-partner SBI Card monthly statement.

  • Q2. How can I sign up for Auto Debit service?

  • To avail Auto Debit service, you have to download the respective bank’s Auto Debit activation form from fill up the details as shared below and then send the physical copy to us on the given below address:

    • For SBI Card – SBI Auto Debit activation form along with SBI Bank account and other details are required.
    • For Co-partner SBI Card - Bank verified Co-partner’s Auto Debit activation form along with respective bank’s account and other details are required.

    SBI Cards and Payment Services Ltd.
    P.O. Bag No.28, GPO, New Delhi - 110001

  • Q3. How does SBI Auto-Debit work?

  • Under Auto Debit service, on your behalf we would present your payment transaction with your registered bank on your payment due date and subsequently the debit will be executed from your bank account.

  • Q4. What are the benefits of Auto Debit facility?

  • Post applying for this facility, you would no longer have to remember your monthly payment due date. All you need to do is to check your bank account at least one day prior to your payment due date and make sure that there is a sufficient balance in it. . SBI Card will debit your bank account and process the same to your SBI Credit Card automatically.

  • Q5. Who all can avail the SBI Auto Debit facility?

  • To avail Auto Debit facility, one needs to have a savings/current account with the respective bank for which he/she is holding card for.

  • Q6. Are there any charges levied on the use of Auto Debit service?

  • No, there are no charges on use of Auto Debit service.

  • Q7. If needed, can I cancel this facility whenever I want?

  • Yes. In order to deactivate the Auto Debit facility, you will need to download an Auto Debit deactivation letter from, fill in the same and send it to us at:

    SBI Cards and Payment Services Ltd.
    P.O. Bag No.28, GPO, New Delhi - 110001

  • Q8. What if my account does not have sufficient funds to cover the Auto Debit deduction?

  • If your bank account does not have sufficient balance, the Auto Debit will get failed or bounced and you will have to pay your SBI Card outstanding through other available payment option along with charges levied on same (if any).

  • Q9. How long does it take for the payment debited through SBI Auto Debit to reflect in my SBI card account?

  • The Payment will get debited from your account on Payment Due Date or next working day in case of a holiday and same will reflect in your SBI Card account on Payment Due Date. However, the Credit limit will be released post realization of the funds.

  • Q10. In case, I wish to make payment by any other mode of payment instead of Auto Debit, how many days earlier than Payment Due Date I can make payment of my SBI Credit Card outstanding amount?

  • At least three days prior to Payment Due Date, the outstanding payment should be received by SBI Card by any other mode instead of Auto Debit.

  • Q11. Auto Debit is applicable on which types of Bank Accounts?

  • Only Savings and Current account are eligible for Auto Debit execution. Accounts like FD/OD/any Loan account are not eligible for Auto Debit execution.

  • Q12. How many days earlier than Payment Due Date will I have to maintain balance in my bank account for Auto Debit?

  • At least one day prior from Payment Due Date, balance should be maintained in registered bank account for the successful execution of Auto Debit.

  • Q13. In case my Credit card gets voluntarily/involuntarily closed, will Auto Debit work or not in both the scenarios?

  • In case customer Credit card got closed voluntarily/involuntarily, Auto Debit facility will be stopped on same if there are no dues pending on the card.