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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 fee, 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.Read more
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 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.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.
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.
Credit Score is a 3-digit number, which represents your credit history based on your credit behavior. The Credit score ranges between 300 - 900. High score implies a good credit history. A score below 600 is poor, whereas ideally score greater than 750 is the best.
As per RBI guidelines, SBI Card regularly submits credit information of all cardholders to respective bureaus on a regular basis. Some major bureaus include:
Importance of Credit Score
When you apply for a loan or credit card, the lending/issuing company checks your credit score first to determine if you are eligible to avail the loan or get a credit card.
Higher is the score better are your application approval chance. Low score places you in a Risk Zone and makes it difficult to secure an approval.
Some of the factors affecting your Credit Score
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):
In case the documents submitted by a foreign national does not contain the details of address, 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.
For NRI/PIO customers, as defined in Foreign Exchange Management (Deposit) Regulations, 2016 alternatively, the original certified copy, certified by any one of the following, may be obtained:
Refer to the RBI circular below:
RBI/DBR/2015-16/18 Master Direction DBR.AML.BC.No.81/14.01.001/2015-16 (as updated from time to time)
* 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:
** For Aadhaar Card, please mask/black-out first 8-digits of your Aadhaar number. Only last four digits should be readable. You can also download the masked Aadhaar through official website: https://www.uidai.gov.in – by going on home page and clicking on ‘download Aadhaar’ filling the required details and selecting the option given as “Masked Aadhaar”.
• Documents should be valid on current date
• Each document should be self-attested
• Please mention your registered e-mail id / registered mobile number either in the e-mail body or on the KYC documents
(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 self- attested KYC documents to firstname.lastname@example.org from your registered e-mail id only. (In case you wish to get your e-mail id updated in our records, Pls share your request at email@example.com.)
• Log in to your account on www.sbicard.com and upload the self–attested documents by clicking
‘Submit KYC documents’ under the ‘My Accounts’ section
In case your current address is not updated in any of your official documents to be submitted as proof, you can get the same updated using any one of the following options:
•UID/Aadhaar: Visit https://ssup.uidai.gov.in/ssup/ to check the required documents and get your address updated online in UID.
•Voter ID: Register on https://www.nvsp.in and select option ‘migration to other place’.
•Passport: Visit your nearest Passport Seva Kendra.
•Driving License: Visit your respective RTO office.
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