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Encash - Get Instant Credit Card Loan




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Know more about Encash plan

Repay in 12, 24, 36, or 48* months
One time processing fee

Get Instant Cash through Encash

Plan for your holidays, celebrations, education and more with SBI Card Encash. Enjoy hassle-free fund transfer with convenient repayment options.

Exclusive Benefits

  • Low rate of interest
  • Encash offer will be over and above your credit limit
  • Encash Inline offer will be within your existing credit limit
  • No documents, paper-work or post-dated cheques needed
  • Get money credited directly in your bank account within 48 working hours with NEFT Facility
  • Tenure will be offered to cardholders basis their eligibility

Fees and Charges

  • A rate of interest as per existing offer is applicable
  • A one-time processing fee of 2%, minimum of Rs. 499 a maximum of Rs. 3,000 will be levied
  • In case of foreclosure of your Encash booking, a 3% foreclosure fee on the outstanding principal amount will be charged

Q 1. What is Encash?

Encash is a pre-approved, money- on- demand facility, which is offered to a select set of SBI credit cardholders. The Encash amount that a cardholder would be eligible for can be over and above the existing credit limit or within the existing credit limit on the card. The funds will be transferred to your account instantly within 48 hrs or via payable-at-par cheque.

All cardholders are not eligible for this facility.

Q 2. How can I book Encash?

You can request for Encash instantly in multiple ways, as per your convenience:


    • Log in to using your SBI Card Online user ID and password
      • If you are eligible for Encash, you will see an "Encash" link under the Benefits section on the left hand navigation
      • Click on the link and enter the amount you wish to book Encash for, select the tenure and rate of interest and confirm the booking

Mobile App

    • Log in with the website log in Username & Password
        • Click on ‘Benefits’ option in the main menu and select Encash (available in case you are eligible)
        • Enter the required details and confirm to book Encash in 3 simple steps

      Click here to download app.


    • Call up our SBI Card helpline to check if you are eligible for Encash and book it
      • 39 02 02 02 (prefix local STD code)or 1860 180 1290

We will also send you a confirmation SMS on your registered mobile number.

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