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Who we are - about us

Our Brand Promise - Make Life Simple

Our History

      • SBI Card was launched in October 1998 by the State Bank of India and GE Capital. Incorporated as SBI Cards and Payment Services Private Limited (SBICPSL), SBI Card is headquartered in Gurgaon, Haryana.

        In December 2017, State Bank of India and The Carlyle Group acquired GE Capital`s stake in SBI Card, post which SBI held 74% while Carlyle held 26% in the Company.

        The legal name of SBI Card was changed on 20 August ’19, from SBI Cards and Payment Services Private Limited to SBI Cards and Payment Services Limited, on account of its conversion from a “Private Limited” company to a “Public Limited” company. In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India.

        The aim of SBI Card is to offer Indian consumers access to a wide range of world-class, value-added payment products and services. Our endeavor is to simplify the lives of our customers, employees and other important stakeholders.

        Our innovative products and services along with our responsible corporate citizenship practices form the framework of delivering on this promise.

        Within a short span of 10 months, we achieved a credit card customer base of 1 lakh. We entered the '1Million Card Club’ in 2002 and crossed the 2 million card base in 2005.

        Today, with over 10 million credit cards¹ customers, we are the second largest credit card issuer in the country.

        [1] Total cards outstanding as on December 2019

      • The Journey

        In a span of 20 years, we have achieved numerous milestones. We have significantly increased our card base, added new types of cards and received various awards and recognitions for our performance, quality and service.

        • We are the second largest credit card provider in the country, with a card base of over 10 million.
        • We have offices in over 145 cities in India.
        • We have an extensive product portfolio, which includes premium, classic, travel and shopping, exclusive and corporate cards, to cater to both individual and corporate needs.
        • Our dedicated and customer oriented approach has won us various industry accolades for customer service, branding, product innovation and marketing

Our Board of Directors


Mr. Dinesh Khara


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Mr. Ashwini Kumar Tewari


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Mr. Rama Mohan Rao Amara

Managing Director & CEO

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Mr. Devendra Kumar


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Mr. Sunil Kaul


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Dr. Tejendra Mohan Bhasin

Independent Director

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Mr. Rajendra Kumar Saraf

Independent Director

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Mr. Dinesh Kumar Mehrotra

Independent Director

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Ms. Anuradha Shripad Nadkarni

Independent Director

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Mr. Shriniwas Yeshwant Joshi

Independent Director

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Our Management


Mr. Rama Mohan Rao Amara

Managing Director & CEO


Mr. Richhpal Singh

Chief Operating Officer


Ms. Aparna Kuppuswamy

Chief Risk officer


Mr. Nalin Negi

Chief Financial officer


Mr. Girish Budhiraja

Chief Product and Marketing Officer


Mr. Manish Dewan

Chief Sales Officer


Mr. Naresh Kapur

Chief People Officer


Ms. Suruchi Nagpal

Head – Internal Audit


Mr. Ashok Kumar Lohmod

Head - Workforce Effectiveness


Mr. Pradeep Khurana

Chief Information and Digital Officer


Mr. Ugen Bhutia

Head Legal


Ms. Rinku Sharma

Chief Compliance Officer


Mr. Amit Batra

Head Operations


Mr. Monish Vohra

Head Customer Services


Ms. Anu Gupta

Head Collections


Mr. Vishal Singh

Head Banca Channel


Ms. Nandini Malhotra

Chief Credit Officer

How We are Different

A Journey of Trust and Excellence

14 Payment Options

Only credit card company in India, providing 14 modes of bill payment.

Technically Advanced

Using cutting-edge technology to serve you better.

Always Accessible

At your service round the clock, in India or travelling abroad.

Customized Solutions

Providing focused and highly customized corporate solutions.

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