There are 3 ways to pay your SBI Credit card bill without login to the SBI card net banking. These methods are very useful if you have forgotten your online banking password or don’t use online banking of the SBI credit card.
Requirements For SBI Card Online Bill Payment
To pay the SBI card bill online, You must have the following details.
- The card number of your SBI Credit card.
- Outstanding Bill Amount
Note, to pay for the SBI card bill, you must have the online payment mechanism. There are two ways of online payment from your saving account.
- Debit card
- Internet Banking
You can either pay through the debit card of your saving account or internet banking account of the saving card. The UPI Payment does not work for the credit card payment.
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SBI Card Bill Payment Through the Paynet
Time needed: 5 minutes
The Paynet processes the bill payment of the SBI card. For this purpose, it has an arrangement with the SBI. To pay the SBI Card bill through the Paynet, you have to visit the SBI Card Website. The URL is sbicard.com.
- Search For Payment Link
Search for the Make Online Payment Link. It would be slightly downwards.
- Choose Payment Option
As you tap on it, there would be two options, Pay through the NEFT and Pay Online.
- Skip Login
Tap on the Pay Online, It opens a login page of the SBI Card . Skip the login boxes and scroll down. You would find a button of Pay Through Paynet. Tap on the button.
- Accept Disclaimer
Now there is disclaimer which states that a third party would process the payment and SBI Card won’t have liability. Tap on the OK button.
- Give Card Details
Now fill your SBI credit card number twice. Also, enter your mobile number and email address. At the end of the form, you should enter the payable amount and chose the mode of payment.
If you choose the debit card, you would have to enter the debit card number, CVV and expiry date your saving account debit card.
But if you choose the internet banking, you have to login your Net banking portal using the Login ID and Password.
- Payment Through NetBanking
As you pay through the Internet banking portal of your saving account, you have to also enter the transaction password for the final authentication. Some banks may also authenticate by the OTP or grid numbers.
- Confirmation
After the payment, the Paynet would show a confirmation page. You would also receive an SMS from SBI card which confirms the payment.
Direct Payment Through NetBanking Facility of Saving Account
In this method, you are not required to visit the sbicard.com. Rather you can pay the bill of SBI card through the Net Banking portal of your saving account.
- So open the Internet Banking Portal of your Saving account.
- Login using your user ID and Password.
- From the Netbanking Account, you have three ways to pay the credit card bill. These methods apply to almost every credit card bill.
Visa Pay
This method is only applicable to the Visa Credit card. Hence, if your SBI card is a Visa Card, you can use this method.
The Visa Pay method takes 2-3 days for completion. Thus if you are paying near the due date, you should not use it.
- Go to the Bill Payments or Fund Transfer section of your net banking account. You would find the link for the Visa Pay.
- Enter your credit card number along with the payable amount.
- Pay the amount using your transaction password and any other authentication.
Bill Pay
Almost every bank gives you Bill Payment Facility through its NetBanking Account.
you can add your credit card as a biller. However, you must check whether This facility is available for your credit card or not. If you have the saving account in SBI, you can easily pay the SBI card bill through this method.
Once you register your card, you can easily pay the billed amount. It also shows the due amount and due date for your convenience.
Also Read- Bill Payment steps through Google Pay
NEFT
This is the same method used for fund transfer from one account to another account. When we use the NEFT for the credit card bill payment, the money gets transferred from our saving account to the Credit card account.
In the NEFT transfer, account number and IFSC is required. Thus in the case of the credit card bill payment, the credit card number is used in place of the account number.
Every credit card issuing bank allots an IFSC for all of its card. You can use that IFSC for the NEFT Payment. I have compiled the IFSC of some credit cards.
- SBI Cards – SBIN00CARDS
- ICICI Bank Credit card – ICIC0000103
- HDFC Cards – HDFC0000128
So, to pay credit card bill through the NEFT, you have to register the credit card. Note, It takes a few hours for the activation of NEFT facility after the registration.
NEFT does not transfer the fund immediately. Rather, It can take up to one day. If you pay the amount during the working hours before 3:30 PM, It would reflect in your credit card account within 3 hours.
You should take note of this delay if you are paying the amount on the due date.
In this post, I have told you the SBI credit card bill payment method without the Login. But if you log in to the SBI Card portal, you would get much more information along with the easier payment methods.
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