June 2025 Version 7.4.21

RBI Authorized Account Aggregator Journey

• Share consent with SBI Card to fetch your bank A/c related information through RBI authorized Account Aggregator & receive customized products & service offers

Card Activation to avoid Closure

• Active your new credit card with automatic nudge on homepage & avoid closure as per regulatory guidelines

Stay protected with our improved security enhancements

May 2025 Version 7.4.20

Rectify CIBIL Reports

• Request rectification for any inaccuracy in Credit Report provided by Bureaus. Visit Services > Rectify Credit Report

Stay protected with our improved security enhancements

April 2025 Version 7.4.19

Mandatory OS Upgrade

• Update your mobile device OS to Android 12 / iOS 17 or above. Due to security reasons, SBI Card Mobile App is no longer accessible on Android OS 11 / iOS 16 or below

Stay protected with our improved security enhancements

March 2025 Version 7.4.18

Refreshed Designs for Key Features to ease usage on the Mobile App:

• View & update your contact details (E-mail ID, Mobile No., Residence & Office Address)
• Complete your periodic KYC Renewal, when due
• View your Add-on Card details and manage credit limits

Quick shortcuts have been added for features such as Manage Card Pin and Transaction Settings (Long press on the app icon)

February 2025 Version 7.4.17

Health Protekt

• Start your wellness journey with Health Protekt. Go to Benefits > Protection Plans > Health Protekt Plan for membership

Stay protected with our improved security enhancements

January 2025 Version 7.4.16

Set Preferred Card on the Mobile App

• Set your preferred credit card on the dashboard. Go to App Settings > Set Preferred Card (Applicable for Multi-Cardholders)

Card on File Tokenisation

• Manage your card details saved on merchant sites. Go to Manage Card Usage > Card Tokens

Stay protected with our improved security enhancements

December 2024 Version 7.4.15

UPI Transactions on Rupay Card

• Now enable UPI Trxns. on your primary and add-on RuPay credit cards & set transaction limits. Go to Manage Card Usage > Manage UPI Trxns.

Stay protected with our improved security enhancements

October 2024 Version 7.4.14

Credit Card Details

• Now check your card details by using the ‘View Card’ button on Home Page

Avail new Card

• Eligible cardholders can now avail new card or upgrade their existing card in simple steps and enjoy added benefits

Important Security Updates & Process Enhancements

• Stay protected with our improved security features and process enhancements, including instant identification of fraudulent transactions

August 2024 Version 7.4.13

Credit Limit Increase

• Raise a request for increase in Credit Limit on your card.
• Go to ‘Benefits’ tab and click on ‘Credit Limit Increase’ button

Avail new Card

• Eligible cardholders can now avail new card or upgrade their existing card in simple steps and enjoy added benefits

Important Security Updates & Process Enhancements

• Stay protected with our improved security features and process enhancements, including instant identification of fraudulent transactions

July 2024 Version 7.4.12

Refreshed Designs for Key Features to ease usage on the Mobile App:

• Refer your friends & family in a single click and earn rewards. Raise transaction disputes & service requests and track status with ease.

Avail new Card

• Eligible cardholders can now avail new card or upgrade their existing card in simple steps and enjoy added benefits

Important security updates & process enhancements

• Stay protected with our improved security features and process enhancements, including instant identification of fraudulent transactions

May 2024 Version 7.4.11

Refreshed Designs for Key Features to ease usage on the Mobile App:

• Book Flexipay, Encash & Balance Transfer through a new & much simpler process! Split your spends into easy installments, get quick cash, or pay your other bank credit card outstanding

Add-on card application

• Gift your loved ones the benefits of your card! Apply for Add-on Credit Card with our all-new digital application process

Important security updates & process enhancements

• Stay protected with our improved security features and process enhancements, including instant identification of fraudulent transactions

March 2024 Version 7.4.8

Introducing all new E-Store:

• Explore a wide range of instant gift vouchers with amazing savings, book travel tickets, make utility bill payments & much more.

Refreshed designs for key features to ease their usage on the App.

• Set or Change Card PIN in a single click.
• Update International Number to receive transactional OTPs while travelling abroad.
• Subscribe for E-statements.

Important security updates & process enhancements

January 2024 Version 7.4.7

• Refreshed designs for key features to ease their usage on the App.
  • Manage Card Usage and Transaction Limits.
  • Add or delete recurring transactions on card.
  • Block, Replace or Reissue card instantly.
  • Book travel tickets instantly, make utility bill payments through all new E-store section.
  • Subscribe to our WhatsApp service.
• Important security updates & process enhancements

November 2023 Version 7.4.6

• Enhanced User Experience:
  • A new design for ‘Account Details’ section that offers easier access to card related information.
  • View monthly statement, rewards summary and current EMI details in a single view.
  • A ‘Paid’ indicator which shows when statement dues are fully paid.
• Process enhancements and updates

October 2023 Version 7.4.5 (Android), 7.4.4 (iOS)

Enhanced security measures and controls

• Certain remote access applications if installed on devices will prohibit access to the SBI Card App unless uninstalled from the device.

Card Protection Plan

• Protect card(s) in case of theft, damage, or fraud.
• Avail the plan under ‘Benefits’ section.

Auto Debit

• Pay credit card bills on time by registering for ‘Auto Debit’ under ‘Account Details’ section.

Manage UPI Transactions

• Enable UPI transactions on Rupay SBI Credit Card.
• Visit ‘Manage UPI Transactions’ under Manage Card Usage.

Voluntary Card Closure

• New updates to the process of raising a request for voluntary card closure.
• Access these under the ‘Services’ section.

Suspicions Transactions

• o Users will receive an alert if any suspicious transactions have been detected on their account.

August 2023 Version 7.4.3

Enhanced security measures and controls

• SBI Card will alert users, if they are using the SBI Card App on unsecured network like public Wi-Fi or VPN

Insurance Nomination

• Submit the nominee details for the Complimentary Insurance cover provided as part of the card benefits via App.
• Access the feature under ‘Account Details’ section of the App.

Get Insured

• Secure your health with new ‘Advanced Top-Up Health Insurance’ policy.
• Check the policy details under ‘Insurance’ section.

Inclusion of additional memberships and milestone privileges for new AURUM Cardholders

ENCASH booking Update

• e-NACH registration will now be mandatory to avail ENCASH booking for eligible users

‘Avail New Card’ process update

• Updated the ‘Credit Limit Allocation’ step for customer ease

June 2023 Version 7.4.0

Experience the new & revamped App

• Experience the fresh new look - Login page and Homepage
• Simplified navigation – quick access to features, personalized offers and benefits
• New ‘My Profile’ section to access features like Contact & Address Details, Credit Score, Refer & Earn and more.
• To complete your periodic KYC Renewal, go to the ‘Account Details’ section of the App

April 2023 Version 7.3.23

Address Change with KYC through DigiLocker

• Now to update the address details on your SBI Card account, complete your KYC validation through DigiLocker
• To avail this feature go to ‘Menu’, select ‘My Profile’ and click on ‘Address Tab’

Add-on card application with KYC through DigiLocker

• Apply for up to 3 Add-on cards and complete your Add-on card applicant’s KYC through DigiLocker
• To apply, go to ‘Menu’ and select ‘Add-on Card’

Credit Balance Refund process update

• You can now request for Credit Balance Refund by uploading the requisite documents
• To avail this feature visit ‘Menu’, select ‘Service’ and go to ‘Credit Balance Refund’

Notification Center

• Get latest updates, offers and alerts in the new notification center.
• To view, tap on the ‘Bell’ icon available on the Home - screen

Performance improvement and bug fixes

March 2023 Version 7.3.21

Security enhancement with SIM Binding

• Log in to SBI Card App from your mobile device which has the mobile number registered with SBI Card
• Authenticate your device through SIM binding & device linking
• Experience an enhanced and secured SBI Card App

December 2022 Version 7.3.19

Digital KYC for Contact Change:

• You can now update and validate your contact details using DigiLocker to fetch your KYC document(s).
• Visit ‘Quick Contact’ under ‘My Profile’ in the menu.

Update contact details on your SBI Card account:

• Your contact details can now be updated for all cards associated to your credit card account with a single click.
• Visit ‘Quick Contact’ under ‘My Profile’ in the menu.

OTP on International Number Phase-2

• For enhance security feature while travelling abroad you can now receive OTP on your International Mobile Number for account Sign-up, Forgot login details & to unlock username.

For Aurum Cardholders:

• New lounges added to the Visa Lounge list exclusively for Aurum Cardholders.

Password change policy:

• For even more secured card account login mechanism, your new account password needs to be different from your last 5 passwords.

Performance enhancements and support for latest Android OS versions

September 2022 Version 7.3.18

Add-on Card

• Simplified and enhanced application process for Add-on Card
• Share the benefits of your SBI Credit Card with your loved ones. To apply, go to Menu and select ‘Add-on Card’

Manage Overlimit Transactions

• Simplified way to manage the Overlimit facility on your card account
• Enable Overlimit facility, to approve certain transactions over and above the credit limit assigned on your card account
• Access this feature under ‘Manage Card Usage’ section of the App

Secured Login

• Enhanced security measures for safe & secure login to your account

June 2022 Version 7.3.16

Flexipay EMI

• Now experience the much more simple and easy way to convert your spends into Flexipay EMIs
• Access the enhanced feature under ‘Services’ section of the App

Voluntary Card Closure

• You can raise a request for voluntary card closure.
• Access the enhanced feature under ‘Services’ section of the App

Security enhancements and bug fixes rolled out

March 2022 Version 7.3.14

Manage Card Usage

• Simplified way to manage your transaction preferences for Domestic and International transactions.
• Access the enhanced feature under ‘Services’ section of the App

Encash & Encash Inline

• Fulfill your extra cash needs within your available credit limit. Applicable for select cardholders
• Access the enhanced feature under ‘Benefits’ section of the App

Card Benefits

• Explore exclusive card offers available for you in the all new ‘Benefits’ section of the App.

Get Insured

• Experience an enhanced Insurance section for comprehensive solutions against uncertainties in life
• Access the enhanced feature under ‘Insurance’ section of the App

Pay in EMI

• Easy access to convert your recent transactions into Flexipay EMIs through ‘Pay in EMI’ option available in your account summary dashboard

e-NACH: Pay the Smart Way

• Avail automated and hassle free credit card bill payment process through net-banking and debit card
• Access this feature under ‘Services’ section of the App

Updates in Report a Lost / Stolen Card and Reissue / Replace Card journey

• Now auto reissue a card if card is blocked due to it being Lost/Stolen
• Updated address option will be available in case card is blocked/reissued due to a suspicious transaction
• Access this feature under ‘Services’ section of the App

January 2022 Version 7.3.13

Update Contact Details

• Update your contact details including mobile phone number and email ID or complete the KYC journey
• Contact details can be updated under the “Quick Contact” tab in “My Profile” section

Encash and Credit Limit Increase Offers

• You can now be eligible for both Encash and Credit Limit Increase offers and choose to apply for any one as per your requirement, subject to fulfillment of eligibility criteria
• Access this feature under the Benefits section post login

Encash Inline Offer

• Basis eligibility, avail Encash Inline offer irrespective of Encash Offer availability.
• Access this feature under the Benefits section post login

Insurance

• SBI General Arogya Premier Insurance product is temporarily unavailable

December 2021 Version 7.3.12 (Only Android)

• Enhanced security measures and controls for fraud prevention: As per the ‘RBI Master Direction on Digital Payment Security Controls, 2021’, SBI Card will make attempts to identify if there are any remote access applications installed in the mobile device of the user. If such apps are identified, the user will be prohibited to access the functionalities of SBI Card Mobile App until such remote access applications have been uninstalled.

Insurance

• SBI Life Insurance Products has been removed temporarily

November 2021 Version 7.3.11

Update Travel Plan

• Update your International travel details including the duration of your travel and your International number
• You can access this feature in the ‘Services’ section available in the menu, post logging in to your SBI Card account

Manage limits for Tokenized Transactions

• Set limits for payments using Card Tokenization Services (e.g. Samsung Pay, SBI Card Pay) for POS Transactions via NFC, MST, etc.

New Privileges for AURUM Cardholders:

• AURUM Golf Privilege
• AURUM Club Access

August 2021 Version 7.3.8

Manage your transactions better:

• Manage usage of your credit card across various types of transactions while you raise a card Re-issue or Replacement request, or when you upgrade your credit card. To access this feature go to ‘Services’ section on your App

Enhanced Security Authentication:

• Enjoy added security through OTP Authentication while changing your Password, increasing your Credit Limit, Card Activation and Add-on Limit management.
• You can access these features in the ‘Services’ section on your App

Get Insured:

• Enjoy a simplified and enhanced experience while you safeguard against uncertainties in life with SBI General InsuranceTo experience this enhanced feature, go to ‘Insurance’ section on your App

Fee & Charges:

• Apply, if eligible, for reversal of Overlimit charges, when you spend over and above the credit limit for certain transactions.
• You can access these features in the ‘Services’ section on your App

Usage Guidelines Updated:

• In line with RBI Circular RBI/2020-21/74 dated 18 Feb, 2021, you can now refer to the Digital Platform Usage guidelines on Mobile App.

June 2021 Version 7.3.7

Manage Recurring Transactions:

• Modify or delete recurring e-mandates set at merchant platforms on your SBI Credit Card
• Approve recurring transactions above Rs. 5,000 or exceeding the e-mandate limit amount, via pre-transaction notifications
• Access the feature under ‘Services’ section of the App

Get Insured:

• Experience an enhanced Insurance section for comprehensive solutions against uncertainties in life.
• Access the enhanced feature under ‘Insurance’ section of the App

April 2021 Version 7.3.4

• View/Redeem Reward Points from the homepage dashboard
• Apply for an additional SBI Credit Card with minimal documentation requirements and get approval within minutes. Access the feature under ’Benefits’ section of the App. (This offer of ’Get New Card‘ shall be provided to eligible Cardholders based on internal SBI Card policy guidelines.)
• Service enhancement - Set up a preferred card as default (for dashboard section). Applicable for Cardholders with more than one Card and where first card has been blocked or cancelled.

November 2022 release:

Mandatory Password Change

• For even more secure card account login mechanism cardholder needs to change their online account log in password in every 365 days.

September 2022 release:

OTP on International Number for account login

• One-time Password will be sent on your Registered Mobile Number as well as international number, if any, at the time of login using your mobile number, card details or User ID
• Visit ‘Services’ section to set-up your international number

March 2022 release:

Credit Balance Refund

• You can now apply for a credit balance refund via ILA. Simply login and click on the Credit Balance Refund option from the ‘Menu’ section

Apply for Add–on Card

• Apply for an Add-on Card on SBI Card Chatbot ILA when you click on ’Apply for Card’ post logging in to your card account

January 2022 release:

Encash and Credit Limit Increase offers

• You can now be eligible for both Encash and Credit Limit Increase offers and choose to apply for any one as per your requirement, subject to fulfillment of eligibility criteria
• Access this feature under the ‘Benefits’ section post login

Credit Limit Increase exclusive offer in ‘Get New Card’ functionality

• Subject to eligibility, you can avail the Credit Limit Increase exclusive offer while applying for a new card via ‘/Avail New Card’ functionality on the website. This is an additional Rs. 10,000 Credit Limit Increase offered to eligible customers who do not have a Pre-approved Credit Limit offer

August 2021 release:

Usage Guidelines Updated:

• You can now refer to the updated version of the Digital Platform Usage guidelines. As per regulatory requirements, an updated version has been introduced.

Apply for Add – On Card:

• Apply for an Add-on card on SBI Card Chatbot ILA when you click on “Apply for Card”.

Digital Multicarding:

• You can now give consent for Auto sweep via e-Sign

July 2021 release:

ILA on WhatsApp:

• SBI Card Chatbot ’ILA‘ has been integrated with WhatsApp and you can now chat with ILA through the SBI Card WhatsApp Service

June 2021 release:

Additional OTP authentication at the time of Login:

• OTP Authentication introduced for an additional security layer when you log in to your SBI Credit Card Account using ILA, increasing protection against fraud.

July 2022:

Flexipay EMI

• Now experience a much more simple and easy way to convert spends from the last 30 days into Flexipay EMIs
• Access the enhanced feature under ‘EMI & More’ menu option available on SBI Card WhatsApp Service

Encash & Encash Inline Offer

• Basis eligibility, avail Encash or Encash Inline offer on WhatsApp Service under the ‘EMI & More’ menu option and follow the instructions

Basis eligibility, transfer outstanding from other card to your SBI Credit card.

• Avail the feature under ‘EMI & More’ menu option
• available on SBI Card WhatsApp Service

Card Upgrade & Credit Limit Increase Offers

• Basis eligibility, Upgrade your card or apply for a higher credit limit. Access this option available the ‘Benefits’ section under the ‘Menu’

Usage Guidelines Updated

• In line with RBI Circular RBI/2020-21/74 dated 18 Feb, 2021, you can now refer to the Digital Platform Usage guidelines on Mobile App