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Frequently Asked Questions

For Personal Cardholders

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Benefits

What is Balance Transfer on EMI (BT on EMI)?

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Pay

How do I make payment using Paynet?

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Services

How can I check my Reward point balance?

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Credit Cards

How do I apply for a SBI Credit Card?

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Demo Videos

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Register/login on sbicard.com

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Convert your big purchases into EMI

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Make your SBI Card payment online

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Activate your SBI Card online

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Redeem your Reward points online

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Change your SBI Card Online Account Password

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Update a Temporary Mobile number while traveling abroad

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Update your Contact information

Make the most out of your credit card

Be a smart SBI Card user and make the best of your card

Credit Card Usage

Use your Credit Card wisely

Credit cards come with legal contracts. Hence, it is important that you are aware of their terms and conditions, when you sign up for them.

Explore features and learn about T&Cs: Please read your credit card application carefully to know about your card’s features and associated Terms and Conditions. The information mentioned in small prints may have big impacts on your fees, charges and usage conditions. While some T&Cs are similar on all cards, there are many others that may be particular to the ones you are applying for, so we recommend that you go through all of them.

Understand liabilities: If your card has multiple users, know about the liabilities shared by secondary users. Also, if you have applied for Add-on cards, understand the added responsibilities that come with them such as who will manage the cards, pay bills and debts, etc.

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Know how to cancel your Credit Card: Knowing how to cancel your card is as important as knowing how to use it. When you decide to close a Credit Card, make sure all payments have been made and there are no pending dues. Avoid closing cards that still have outstanding balance to be cleared or those that make a significant amount of your credit history. Cancelling such cards impact your credit score.

Learn about cash advances: Credit Cards give you the freedom of taking cash advances. But avail this service only at the time of emergency because cash advances are levied with charges, which you start paying from the day you have taken the advance. There is no grace period on cash advances from a credit card.

Exploring lower rate of interest options for payments: In case of unexpected expenses, it is better to talk to your credit card company and explore different options that you can take advantage of, such as availing low interest credit options. This way you can save on the amount you repay.

Credit Card Security

Tips for secure Card usage

Credit cards give you a lot of power and if you follow some crucial mantras about their usage, you can harness them well.

Ensure the safety of your Credit Card, PIN number, Card expiry date, CVV(security code) by all means. Also, Please do not share your One Time Password(OTP) with anyone. Always get your current contact number updated to ensure receipt of transaction alerts. Whenever you travel abroad, please stay informed about the benefits you can avail in case of card loss or theft, such Card Insurance plans & Emergency Card replacement services.

Be vigilant and check your credit card statements/transaction alert SMS carefully for any suspicious transaction(s). If you ever notice any unsolicited transaction, immediately report the same.

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Avail credit cards from institutions that follow national & international standards for secure transactions

Do not hand-over your credit card to people, whom you do not know. When you shop, make sure that the card is not out of your sight and you have collected your card at the end of the transaction. Also, before signing the charge slip, check the amount printed on it.

Keep your Credit Card, CVV and helpline numbers saved with you separately and in case of card loss or theft, immediately inform your card issuer and get the card blocked.

Always log in into your credit card account from a secure computer that is malware free. Make a strong password(combination of Upper case, numbers & special characters) for the online account of your credit card and do not share your password with anyone.

Refrain from responding to correspondences that asks for your Credit Card number, expiry date, CVV or password/OTP details. Banks or your card issuer, will never ask for this information from you. Whenever you get such mails, calls, SMS, etc. bring them to the notice of your card issuer.

Click here for a detailed account on dos and don’ts related to the safety of your credit cards.

Sound Credit Score

Know about your Credit Score

Ensure the safety of your Credit Card, PIN number, Card expiry date, CVV(security code) by all means. Also, Please do not share your One Time Password(OTP) with anyone. Always get your current contact number updated to ensure receipt of transaction alerts. Whenever you travel abroad, please stay informed about the benefits you can avail in case of card loss or theft, such Card Insurance plans & Emergency Card replacement services.

Be vigilant and check your credit card statements/transaction alert SMS carefully for any suspicious transaction(s). If you ever notice any unsolicited transaction, immediately report the same.

Read more

Avail credit cards from institutions that follow national & international standards for secure transactions

Do not hand-over your credit card to people, whom you do not know. When you shop, make sure that the card is not out of your sight and you have collected your card at the end of the transaction. Also, before signing the charge slip, check the amount printed on it.

Do not hand-over your credit card to people, whom you do not know. When you shop, make sure that the card is not out of your sight and you have collected your card at the end of the transaction. Also, before signing the charge slip, check the amount printed on it.

Always log in into your credit card account from a secure computer that is malware free. Make a strong password(combination of Upper case, numbers & special characters) for the online account of your credit card and do not share your password with anyone.

Refrain from responding to correspondences that asks for your Credit Card number, expiry date, CVV or password/OTP details. Banks or your card issuer, will never ask for this information from you. Whenever you get such mails, calls, SMS, etc. bring them to the notice of your card issuer.

Click here for a detailed account on dos and don’ts related to the safety of your credit cards.

KYC Documents

Submit your KYC Documents

As per Reserve Bank of India mandate, it is required for all credit card customers to comply with ’Know Your Customer (KYC)’ norms and provide requisite information and documentation periodically. Kindly submit the following documents to complete the same.

  1. Copy of self-attested UID/Aadhaar Card (If current residence address updated on it, then below mentioned OVDs are not required to be submitted)
  2. Copy of self-attested current residence address proof*
  3. Duly signed declaration form (Click here to download the KYC Declaration Form)
  4. Copy of self-attested PAN Card or Form 60
  5. One recent self-attested passport size photograph
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Below is the list of acceptable Officially Valid Documents (OVDs) to comply with KYC norms:

*For Current residence address proof (any one of the following)
Passport
Voter's ID Card
Driving Licence**
Job card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of name and address

Note:

For Jammu & Kashmir, Meghalaya and Assam customers, only above listed certified copy of officially valid document for current residence address proof and identity proof are applicable along with one recent passport size photograph.

For NRI or individuals who are not eligible to be enrolled for an Aadhaar Card can submit a copy of Permanent Account Number Card (PAN)/Form 60, recent photograph and certified copy of Officially Valid Documents with identity and current address proof. Further, a declaration is required to the effect that the individual is not eligible to enroll for an Aadhaar Card.

** For Driving Licences issued in states where it is specifically mentioned that the document cannot be used as address proof, the same will not be acceptable as a KYC document.

Important points to remember:

• Documents should be valid on current date
• Each document should be self-attested

You may submit the requisite self - attested documents to us through any of the following modes:

• E-mail the scanned copies to kyc.renewal@sbicard.com from your registered e-mail id
• Upload the documents on the link: http://bit.ly/1UzgJpw
• Send the hardcopies of the documents to the below mentioned address:

SBI Card - KYC Renewal
SBI Cards & Payment Services Pvt. Ltd.

DLF Cyber City, Tower-C, Block 2, 12th Floor
Building 3, DLF Infinity Towers, Gurgaon-122002 (Haryana)

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