SBI Credit Card Bill Payment — Quick & Secure Online Methods

Key Highlights
 

1. PayNet is the official online portal for SBI Card payments, and it supports net banking, debit cards and UPI.
    
2. You can add your 16-digit card number as a beneficiary for NEFT using IFSC SBIN00CARDS to settle card dues.
    
3. Save every payment proof, set reminders and pay before the due date to avoid posting delays and extra charges.
    

Paying your monthly credit card dues is mandatory for a good credit score and a stress-free life. The goal is big, but the route is super easy. Now, you can make the SBI Credit Bill Payment in minutes using online methods. In this blog, we have talked about various online methods. Explore them now!

SBI Credit Card Bill Payment Overview

The PayNet portal is the official mechanism to make online payments (net banking, debit card, UPI) toward SBI cards. You can also make the SBI credit card bill payment using internet banking, UPI, mobile app, or NEFT. 

SBI Credit Card Bill Payment: Online Methods

These are the primary online methods offered by SBI/SBI Card:

1. SBI Card website / PayNet portal 
2. SBI Card Mobile App 
3. Net Banking
4. UPI 
5. NEFT 

Each of these methods permits payment from anywhere, with different settlement speeds and user flows.

SBI Credit Card Bill Payment through Website

Here are detailed steps and features via SBI Card’s website:

1. Sign in to sbicard.com  using your registered SBI Card user ID and password.
    
2. On the dashboard, click the “Pay Now” button to begin the payment process.
    
3. Enter or choose the amount you want to pay toward your SBI Card.
    
4. Pick your preferred payment method and select your bank from the available list.
    
5. Review all details, then proceed to your bank’s secure payment page to authorise the payment. Once approved, the amount is debited instantly, and a transaction reference number is shared on your registered mobile number and email.

Do not delete the mail. In case of any discrepancies, this email is the proof that you have made the SBI credit card bill payment. 

Read More - How to Close an SBI Credit Card: Complete Step-by-Step Guide 

SBI Credit Card Bill Payment through Mobile App

Using the SBI Card mobile app, you can pay SBI credit card bills conveniently. The app supports multiple methods (debit card, net banking, UPI). Steps are: 

1. Install the SBI Card mobile app from the Apple App Store, Google Play Store, or Windows Store.
    
2. Log in using your SBI Card user ID and password. If you’re a new user, tap on “Register Now.”
    
3. On the Account Summary page, select the “Pay Now” button located at the bottom.
    
4. Provide your registered mobile number and email ID if they aren’t already updated.
    
5. Choose the payment amount: either the total outstanding, the minimum due, or a custom amount.
    
6. Pick your preferred payment method and select your bank from the drop-down list.  

Once confirmed, the amount will be debited instantly, and you’ll get a transaction confirmation with a reference number via SMS and email.

SBI Credit Card Bill Payment through Net Banking

In the previous section, we mentioned how you could successfully make the SBI Credit card bill payment through the website. The same steps are followed for net banking. Here, we will discuss how you can make the payment without logging in to your account. Steps are:

1. Visit the Paynet-Pay Online page and fill in your SBI Card number, email ID, phone number, and payment amount.
    
2. Choose “Net Banking” as your payment mode and select the bank account you want to use for the transaction.
    
3. You will be redirected safely to your chosen bank’s payment page.
    
4. Log in with your net banking credentials, such as your user ID and password.
    
5. Verify the payment amount before confirming the transaction.
    
6. The money will be deducted immediately, and a confirmation message with a transaction reference number will be shown. 

To check payment status, visit Paynet-Pay Online again. Click the “Track Status” tab to continue. Choose a date range to view payments within that period or search using your transaction ID.

SBI Credit Card Bill Payment through UPI

You can now clear your SBI Credit Card dues quickly through the UPI payment option available on the SBI Card mobile app or official website. Follow the steps given below:

Steps to Pay Using UPI or QR
 

1. Open the SBI Card website or app and go to the Paynet payment option, or simply click on “Pay Now.”
    
2. Enter your 16-digit SBI Card number, specify the amount you want to pay, and choose UPI as your payment method.
    
3. You’ll be taken to the UPI section, where you can choose between two payment modes: UPI ID or QR Code.
    
4. If you select UPI ID, your linked UPI app will open automatically. Authorise the transaction using your UPI PIN to complete the payment.
    
5. If you select QR Code, sign in to your SBI Card account, click “Pay Now”, choose UPI, and scan the displayed QR code using your UPI app. Authorise the payment as prompted.

Once the payment is processed, the amount is instantly credited to your card account, and you’ll receive an SMS confirmation immediately.

Registering on BHIM SBI Pay
 

1. Download the BHIM SBI Pay app from the Google Play Store.
    
2. Install and launch the app on your Android device.
    
3. Register using your mobile number linked to your bank account and set up your login details.
    
4. Create a Virtual Payment Address (VPA) in your preferred format, using the @sbi handle (for example, username@sbi).
    
5. Link your bank account to the created VPA.
    
6. Set your UPI PIN to secure your transactions.

You can now send or receive money by simply sharing your Virtual Payment Address. No need to disclose your bank details.

Also Read - How to Apply SBI Credit Card – Step-by-Step Guide 

Making SBI Card Payments via BHIM SBI Pay
 

1. Choose the option “Pay by VPA.” Use the format: sbicard.<your 16-digit credit card number>@sbi (e.g., sbicard.4726420123456789@sbi).
    
2. Enter the amount you want to pay and click “Go.”
    
3. Verify the details, confirm with your bank MPIN, and click “Submit.”
    
4. The payment is credited instantly to your SBI Credit Card, and you’ll receive an SMS notification showing your updated available credit limit.
    

Choose any of the ways you find convenient. 

SBI Credit Card Bill Payment through NEFT / RTGS

Using NEFT to make your SBI Credit card bill payment is one of the best options. It is quick, highly convenient, and there are minimal chances of anything going wrong. The steps you can follow are:
 

1. Sign in to your bank’s net banking portal and add SBI Card as a new beneficiary under the third-party transfer section.
    
2. Use the IFSC code ‘SBIN00CARDS’ while setting up the beneficiary details.
    
3. In the account number field, enter your 16-digit SBI Credit Card number.
    
4. Choose the beneficiary account type as either Credit Card Payment or Savings Account.
    
5. Click on Submit to finish adding the beneficiary.

Once the setup is done, your payment will appear instantly in your SBI Credit Card account.

Tips for Hassle-Free SBI Credit Card Bill Payment

If you are new to the digital world or even the finance world, here are some tips for you to make your experience super good. 
 

1. Use official SBI Card payment channels. You can refer to the official SBI portal to access all the official links. 
    
2. Register billers/payees in advance. In OnlineSBI, register the credit card as a beneficiary first.
    
3. For OnlineSBI Credit Card Bill Pay, it may take 2-3 working days for the payee bank to credit the card.
    
4. Keep the transaction reference/receipt
    
5. Pay before the due date. Avoid late fees or interest.
    
6. Ensure sufficient funds in your linked bank account 

Be vigilant and calm when making SBI Credit Card bill payment. You don’t want to pay even a penny extra than you are supposed to. Neither want to decrease your credit score for waiting too long.

Tip: If your card is not credited after 2-3 days of working, contact the SBI customer care services. You can also call at 1860 180 1290/800 180 1290.

Conclusion

With the PayNet SBI Card app, net banking, UPI, NEFT and RTGS, you can pay your credit card dues in no time. The process involved is super easy and the chances of things to goi haywire are minimal. Save receipts, set reminders and confirm posting to avoid late fees, penalties, or unnecessary delays.

FAQs

What are the exact late interest charges for missed or partial payments?
A late fee is levied when you miss the minimum due or pay less than required. Interest accrues on the unpaid balance at the card's APR and is applied daily. Exact fee slabs and the APR vary by card product and are shown on your statement and on the SBI Card tariff page.

Does SBI offer EMI conversion or pay later options, and what are the charges?
Yes, SBI Card offers conversion of eligible transactions into EMIs and other pay-later schemes through the app and website. Charges include a processing fee or interest, depending on the offer and the chosen tenor. The app shows available tenors and the total cost before you convert a transaction.

What is the dispute and chargeback process for incorrect or fraudulent charges?
Report the transaction to SBI Card customer care immediately and block the card if needed. Lodge a written dispute and provide supporting documents like receipts and screenshots. The issuer will investigate and communicate interim and outcomes as per regulator guidelines.

How are foreign currency transactions and forex markup fees handled?
International transactions are converted to INR and billed on your statement. SBI Card applies a forex markup that is a percentage of the transaction value and may add cash advance charges for ATM withdrawals abroad.

What happens if I miss my payment due date by 1 day?
Even a one-day delay can trigger a late payment fee (₹500 or more) and interest. Some users report SBI may reverse it once, as a goodwill gesture, if you call customer care.

If I pay my bill manually before the AutoPay date, will AutoPay still go through?
If your manual payment clears before the AutoPay trigger, the AutoPay will usually not debit again. To be safe, check your payment status in the SBI Card app to confirm it’s been credited.

Will a ₹1 unpaid balance affect my credit score?
Even a small unpaid amount (₹1–₹10) may show as “outstanding.” While a single instance won’t hurt your credit score much, consistent underpayment can. Always pay the exact billed amount or slightly more to avoid residual balances.