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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 the Know Your Customer guidelines of the Reserve Bank of India*, we need to periodically update customer details and obtain identification documents.

You are requested to submit a self-attested copy of the required KYC documents for your Credit Card and for Add-on Cards (if any) at the earliest.

The following documents along-with a recent passport size photograph shall suffice for ID and Current residence address proof (self-attested copies of any of the below):

  1. Passport
  2. Voter ID Card
  3. Driving License**
  4. NREGA Card
  5. Letter issued by the National Population Register containing details of name and address
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Additional documents acceptable for Current Residence Address Proof:

  1. Utility bill, not more than two months old of any service provider (electricity, telephone, postpaid mobile phone, piped gas, water bill)
  2. Property or Municipal Tax receipt
  3. Pension or family pension payment orders (PPOs) issued to retired employees by Govt Departments or Public-Sector Undertakings, if they contain the address
  4. Letter of allotment of accommodation from employer issued by State or Central Govt departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies
  5. For NRI customers, copy of Pan Card/Form 60 is required in addition with the aforesaid documents. Also, in case the documents submitted by a foreign national does not contain the details of address, in such case the documents issued by the Govt departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted as proof of address.

Note:

*Refer to the RBI circular below:
RBI/DBR/2015-16/18 Master Direction DBR.AML.BC.No.81/14.01.001/2015-16

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

Important points to remember:

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

(Click here to download the KYC Declaration Form)

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
• Log in to your account on www.sbicard.com and upload the documents by clicking
‘Submit KYC documents’ under the ‘My Accounts’ section
• 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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