How can I pay my SBI credit card bill by BillDesk?
Follow the below steps for the SBI Billdesk Card Payment- Open the BillDesk website in your browser
- Enter your Email Address
- Enter your SBI Credit Card Number.
- Re-enter the Credit Card Number to confirm it
- Then Enter your SBI Registered Mobile Number
- Enter the Payment amount you wish to pay
- Select the Payment Option.
- Click on the ‘Pay Now‘ button.
- Now Login your BillDesk account, Enter the OTP and complete the payment.
SBI Billdesk Credit Card Payment Process
Follow the below steps to Register and Make payments through BillDesk.- Click here to Register Bill Desk Bill Pay.
- Setup your BillDesk Bill Pay Account by entering your Basic details like Email Address, Password, Name, Address, Date Of Birth, Security Questions etc
- Once the form is submitted, you will get an option to confirm the entered details.
- If the information you entered is correct, then click on the ‘Next’ button, else click the ‘Back’ button and make the necessary changes.
- No you can see a screen like below screenshot
- Now click on ‘Add Biller’ to select and add the Biller details. You can select your State, Biller Type etc and complete the Biller specific details. Once a biller is added, each time a bill is generated, it will be available in the BillDesk. You will also get an email notification with the bill details.
- You can also set Auto Pay, so the bills will be paid on the selected date, even if you forget to pay it.
SBI Credit Card Bill Payment BillDesk
You can easily pay your SBI Credit card using BillDesk. Find below How to make your State Bank Of India (SBI) Credit Card payment through BillDesk.- To pay your Credit Card using BillDesk visit https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp
- Enter your Email Address
- Enter your SBI Credit Card Number. (* Do not share your Credit Card Number details with anyone)
- Re-enter the Credit Card Number to confirm it
- Then Enter your SBI Registered Mobile Number
- Enter the Payment amount you wish to pay
- Select how you want to pay by selecting the Payment Option. You can select from Debit Card or Internet Banking. You can use any other banks Debit Card or Internet Banking (Net Banking) account to pay your SBI Credit Card.
- Make sure that you have entered the correct bank account or Debit card details and click on the ‘Pay Now’ button.
- Now you will be required to the Login page of your BillDesk account (For Security)
- Login your BillDesk account and Enter the OTP (One Time Password) received in your registered Mobile Number.
- Your SBI credit card payment through BillDesk is completed and after the successful processing, you will get a confirmation message.
SBI Credit Card Bill Payment Options – Online, NEFT, Mobile App, YONO, UPI, Auto Debit etc
SBI provides many options to pay your SBI credit card bill. You can use Online and Offline options to pay your SBI credit card bills. Find below all the options to pay your SBI Credit Card bill.Online SBI Credit Card Bill Payment
If you have an Internet Banking Account, you can pay your SBI credit card bill by logging into the Onlinesbi.com account.- Login onlinesbi.com account with your User Name and Password.
- Click on ‘Bill Payments‘ on top Menu and then click on ‘Manage Biller‘. See the screenshot below.
- Click on ‘Add’ and then select ‘SBI Card Ltd’ as the Biller Name. Click on the ‘Go’ button.
- Now you will get an option to register the Biller details. You can Enter your Name, and SBI Credit Card Number, Enable or Disable Auto Pay. If auto Pay is Enabled, you can select the Frequency etc from here.
- Select the SBI Bank Account you want to use for the Credit Card Bill Payment.
- Click on ‘Submit’. You will get an OTP in your SBI Registered Mobile Number. Enter the OTP and Confirm it.
- Once the Biller is registered you can Pay the Bills
- Click on ‘View/Pay Bills’
- Select ‘SBI Cards’ as the Biller and then click on ‘Pay’
- Select the Account Number from which the payment is to be made and Enter the Payment Amount.
- Click on the ‘Pay Now’ button. Click on Submit to confirm the transaction.
- Your SBI Credit Card Bill payment will be processed and you will get a confirmation message.
Axis Bank Credit Card Bill Payment BillDesk
You can pay your Axis Bank Credit card Outstanding through BillDesk. Follow the below steps for Axis Bank Credit Card Payment Online using Billdesk :
- For Axis Bank Credit Card Payment Visit: https://pgi.billdesk.com/axiscard/index1.htm
- Select your Card Type (From Visa or Master Card)
- Then Enter the 16-digit Axis Bank Credit Card Number.
- Enter your Email Address and Mobile Number
- Then enter the payment amount you wish to pay
- Finally, Select the Net Bank Account from the list. You can pay the Axis Bank Credit Card Outstanding using any other bank’s Internet Banking Account.
- Click on ‘Pay Now‘
All SBI Credit Card Payment Methods — 2026 Comparison
| Method | Reflects In | Login Required | Payment Sources | Best For |
|---|---|---|---|---|
| BillDesk (sbicard.com) | 3 banking hours (if before 3:30 PM) | No | All bank debit cards, net banking, UPI | Quick payment without SBI login |
| sbicard.com Pay Now | 3 banking hours | Yes (SBI Card login) | Net banking, debit card, UPI | Registered SBI Card users |
| YONO SBI App | Instant to same day | Yes (YONO login) | SBI account only | SBI account holders paying SBI card |
| NEFT Transfer | Same day (within banking hours) | Yes (any net banking) | Any bank account | Non-SBI bank account holders |
| UPI Apps | Instant to 1 hour | Yes (UPI app) | Any UPI-linked account | Quick payment from any UPI app |
| Auto Debit (ECS) | Auto on due date | Setup once | Linked SBI account | Never miss payment due date |
How to Pay SBI Credit Card via BillDesk — Step by Step
BillDesk payment does not require logging into your SBI Card account. Anyone — even non-SBI account holders — can pay an SBI credit card bill using BillDesk:
- Go to sbicard.com/pay
- Click Pay through BillDesk or Paynet
- Enter your 16-digit SBI Credit Card number
- Enter your registered email address
- Enter the payment amount — minimum due, total due or custom amount
- Select payment mode — net banking, debit card or UPI
- Select your bank and complete authentication
- Transaction reference number appears on screen and sent to your email
How to Pay via sbicard.com (After Login)
- Go to sbicard.com and login with your SBI Card user ID and password
- On the Dashboard click Pay Now
- Select the amount — minimum due, total due or other amount
- Select payment mode and bank name from dropdown
- Confirm details — redirected to your bank’s payment page
- Complete authentication — transaction reference number sent to mobile and email
Pay SBI Credit Card via NEFT — For Non-SBI Account Holders
If you have an account with another bank (HDFC, ICICI, Axis etc.) you can pay your SBI credit card via NEFT transfer:
| Detail | Value |
|---|---|
| NEFT IFSC Code | SBIN00CARDS |
| Account Number | Your 16-digit SBI credit card number |
| Account Type | Current Account |
| Beneficiary Name | SBI Credit Card (your name) |
| Bank Name | State Bank of India |
Add this as a beneficiary in your net banking. After the 30-minute waiting period, transfer the amount. Payment reflects same day if done before banking hours cutoff.
SBI Credit Card Payment via UPI
- Open any UPI app — Google Pay, PhonePe, Paytm or BHIM
- Go to Credit Card Bill Payment
- Select SBI Card as biller
- Enter your 16-digit SBI credit card number
- Fetch bill or enter amount manually
- Pay using UPI PIN
Troubleshooting — SBI Credit Card Payment Issues
| Problem | Cause | Fix |
|---|---|---|
| Payment successful but not reflecting on card | Processing time not completed | Wait up to 3 banking hours for daytime payments. Weekend payments reflect next working day. Check sbicard.com — Payment History for confirmation. |
| BillDesk page not loading | Browser cache or site maintenance | Clear browser cache and try incognito mode. Try different browser. If site is down use YONO app or UPI payment instead. |
| Transaction failed but amount debited | Network timeout during payment | Check sbicard.com Payment History — if not showing, your bank will reverse within 5-7 working days. Call SBI Card at 1860-180-1290 with transaction reference. |
| Cannot find SBI Card in UPI app | Biller name varies by app | Search for “SBI Card” or “State Bank Credit Card” or “SBICPSL” in the biller search. All major UPI apps support SBI credit card payment. |
| Minimum due vs total due confusion | Paying only minimum due incurs interest | Always pay total outstanding to avoid 3.35% monthly interest (40.2% annually). Minimum due only avoids late fee — interest still applies on remaining balance. |
Go to sbicard.com and click Pay through BillDesk or Paynet. Enter your 16-digit SBI credit card number, registered email address and payment amount. Select payment mode — net banking, debit card or UPI. Select your bank and complete authentication. No login to SBI Card account is required for BillDesk payment — anyone with any bank account can use this method to pay an SBI credit card bill. Payment reflects within 3 banking hours if made before 3:30 PM on a working day.
SBI credit card payment via BillDesk reflects within 3 banking hours if made before 3:30 PM on a working day. Payments made after 3:30 PM or on Saturdays, Sundays and bank holidays reflect on the next working day. To be safe always pay at least 2-3 days before the due date. You receive a transaction reference number immediately after payment which confirms the debit from your account even if the credit to your SBI card takes a few hours.
Yes. You can pay SBI credit card from any bank account in India. Via BillDesk at sbicard.com — select your bank from the list — covers 50+ banks. Via NEFT — add IFSC code SBIN00CARDS and your 16-digit card number as account number in your net banking — transfer from any bank. Via UPI — open Google Pay, PhonePe or Paytm — Credit Card Bill Payment — select SBI Card — enter card number — pay using UPI PIN linked to any bank account.
The NEFT IFSC code for SBI credit card payment is SBIN00CARDS. Add this as a beneficiary in your net banking with your 16-digit SBI credit card number as the account number and Current Account as the account type. This works from any bank’s net banking or mobile banking. After the mandatory 30-minute beneficiary activation period, transfer any amount. Payment reflects same day if done before your bank’s NEFT cutoff time — usually 4:00 PM to 6:00 PM depending on the bank.
No. Registration is not required to pay SBI credit card via BillDesk. Simply go to sbicard.com, click Pay through BillDesk, enter your card number and payment details and pay directly. No BillDesk account needed, no SBI Card login needed. This makes BillDesk useful for paying on behalf of family members or when you do not remember your SBI Card login credentials. The only information needed is the 16-digit SBI credit card number and your registered email for confirmation.
Paying only the minimum due on your SBI credit card avoids late payment charges but interest is still charged on the remaining balance at 3.35% per month which is 40.2% annually — one of the highest interest rates on any financial product. The minimum due is typically 5% of total outstanding or Rs 200 whichever is higher. Always pay the total outstanding amount if possible to avoid interest. If you cannot pay in full, pay as much as possible above the minimum to reduce interest charges.
Set up auto debit for SBI credit card by logging into sbicard.com — go to My Account — Auto Debit — register your SBI savings account. Choose to auto-debit minimum due, total due or a fixed amount on the due date each month. Alternatively login to your SBI net banking — Payments and Transfers — Credit Card Bill Payment — set up standing instruction. Auto payment ensures you never miss the due date and avoids late payment charges of Rs 400 to Rs 1300 depending on your outstanding balance.
Check SBI credit card payment status by logging into sbicard.com and going to Payment History — your recent BillDesk payment appears here with status and transaction reference number. You also receive an email confirmation at your registered email address immediately after payment. If payment does not appear in Payment History after 24 hours call SBI Card customer care at 1860-180-1290 with your BillDesk transaction reference number to trace the payment.
Guide by Robins Antony, Digital Finance Writer, Webova Soft, Changanacherry, Kerala. SBI credit card payment methods verified from official sbicard.com and SBI net banking portal as of September 2026. Payment timelines are indicative — verify current processing times at sbicard.com. For payment issues call SBI Card at 1860-180-1290.
