Category Archives: Credit Card

Features of Best 5 Best SBI Credit Cards

State Bank of India (SBI) is arguably one of the most popular banks of India, and rightly so. When it comes to offering the utmost convenience to its customers and ensuring that they get a wide range of alternatives, SBI leaves no stone unturned. And the bank extends this feature to its Credit Cards as well.

If you have been looking for the Best Credit Card, then you have landed at the right place because we have collated a list of 5 of the Best SBI Credit Cards.

1) SBI SimplySAVE Visa & Master Credit Card

This card is perfect if you want to reap the benefits of a Credit Card while paying a highly affordable annual fee. Specially designed to serve salaried individuals, the SBI SimplySAVE Card offers benefits pertaining to utility bills, shopping, travel, and other lifestyle related expenses.  Here are some of the most imperative features of this card:

Annual Fee – 499

Welcome Gift – 2,000 Reward Points for the first 2,000 spent within 2 months from the date of receiving the card.

Reward Points –

  • 10 points for every Rs. 100 spent on groceries, dining, and movies.
  • 1 point for every Rs. 100 spent on other payments.

Interest-Free Period – 20-25 days

Annual Percentage Rate –2%

Additional Benefits – Fuel surcharge waiver of 2.5% on every transaction between Rs. 500 and Rs. 3,000.

2) SBI SimplyCLICK Visa & Master Credit Card

This card has been specially put on offer for the consumers who largely depend on online transactions, whether it comes to shopping online or booking the movie tickets, amongst other lifestyle expenses. Yet another card that is being offered at a fairly reasonable price, the SBI SimplyCLICK Visa & Master Card offers multiple benefits. Some of the aspects of this card that you must know are:

Annual Fee – 499

Welcome Gift – A voucher worth Rs. 500 from Amazon

Reward Points – 10 points for all online spends via exclusive partners, including Amazon, BookMyShow, Cleartrip, FoodPanda, Lenskart, as well as OLA and ZoomCar.

Additional Benefits –

  • Opportunity to earn as much as 5x Reward Points on shopping online.
  • Fuel surcharge waiver of 2.5%, on every transaction between Rs. 500 and Rs. 3,000.
  • On annual online spend of Rs. 1 Lakh and that of Rs. 2 lakh, an e-voucher worth Rs. 2,000 each.
  • Fee reversal for the coming year if the annual spend exceeds Rs. 1 Lakh in a year.

3) SBI ELITE Visa & Master Credit Card

As the name suggests, this card is designed for customers who spend heavily on lifestyle. Given the fact that this card offers some exemplary benefits, it attracts a slightly high annual fee. Here’s all that you need to know about the SBI ELITE Visa & Master Card!

Recurring Annual Fee – 4,999

Welcome Gift – Gifts worth Rs. 5,000 from partner brands including Yatra, Shoppers Stop,Marks& Spencer, Pantaloons,Bata, and Hush Puppies.

Reward Points –

  • 10 reward points against every Rs. 100 spent on groceries, departmental stores, movies, and dining.
  • 2 reward points against the spending of every Rs. 100 on retail products and services.
  • On annual online spend of Rs. 3 Lakhs, 10,000 bonus reward points.
  • 15,000 bonus reward points each, on annual spends of Rs. 5 Lakhs and 8 Lakhs.

Additional Benefits –

  • Overall annual benefits worth Rs. 30,000.
  • Movie tickets worth Rs. 500 for 2, from BookMyShow, every month.
  • Complimentary membership for Trident Privilege Red Tier as well as Priority Pass Program, along with that for Club Vistara.
  • Insurance Cover of Rs. 1 Crore against air accidents.
  • As many as 8 complimentary visits to domestic airport lounges, across India.
  • As many as 6 complimentary visits to international airport lounges, across the globe.
  • Waiver of fuel surcharge of 1%, on every transaction between Rs. 500 and Rs. 4,000, with a cap of Rs. 250 per billing cycle.

4) IRCTC SBI Platinum Credit Card

Ideally suited for those with a penchant for traveling by trains, this card offers ample benefits as well as privileges to compensate for its meagre annual fee. This card can also be used to book any one of the 5,000 hotels across 350 cities in India, listed on IRCTC.

Annual Fee – 500

Renewal Fee – 300

Welcome Gift –Complimentary membership of ShubhYatra as well as 100% value pack for Railways Points for AC ticket.

Reward Points –

  • 10 reward points against every Rs. 100 spent on groceries, departmental stores, movies, and dining.
  • 2 reward points against the spending of every Rs. 100 on retail products and services.
  • On annual online spend of Rs. 3 Lakhs and that of Rs. 3 Lakhs, 10,000 bonus reward points each.
  • 15,000 bonus rewardpoints each, on annual spends of Rs. 5 Lakhs and 8 Lakhs.

Additional Benefits – A cash advance limit of up to Rs. 15,000 in case of platinum cards, or up to 80% of the credit limit for regular cards.

5) SBI Prime Credit Card

Priced a little lower than the ELITE Visa & Master Card, SBI Prime Credit Card offers a similar array of benefits, thus catering to consumers with moderate to high spending habits. Some of the distinct features of this card include:

Recurring Annual Fee – 2,999

Reward Points –

  • 20 reward points for every Rs. 100 spent towards payment of utility bills.
  • 20 reward points for every Rs. 100 spent on the cardholder’s birthday.
  • 15 reward points for every Rs. 100 spend at brand brands, especially Reliance Outlets.

Additional Benefits –

  • Complimentary membership for Trident Privilege Red Tier as well as Priority Pass Program, along with that for Club Vistara.
  • Insurance Cover of Rs. 50 Lakhs against air accidents.
  • 8 complimentary visits to domestic airport lounges, across India.
  • 4 complimentary visits to international airport lounges, across the globe.
  • Waiver of fuel surcharge of 1%, on every transaction between Rs. 500 and Rs. 4,000, with a cap of Rs. 250 per billing cycle.
  • On annual spend of Rs. 5 Lakhs and above, an e-gift voucher from Pantaloons, or Yatra.com worth Rs. 7,000.

Now that you are well-informed of all the features of the leading SBI Credit Cards, Compare Top Banks Credit Cards & pick any one that suits your needs, as well as your spending behaviour. For what it’s worth, the benefits offered by the card, will often far exceed the annual fee you pay for it!

To apply online for Credit Cards, Secured Loans and Unsecured Loans, visit www.mymoneymantra.com, the leading online lending marketplace that offers financial products from 70+ Banks and NBFCs. We have served 2 million+ happy customers since 1989.

Talk to our Loan Specialists toll-free at 1800 103 4004 to know more about our products and offers.

Hidden Charges you must Know if you are using a Credit Card

As we all know credit cards are helpful for the purchases we make through it. And the bank offers us free cards. But there were compulsorily things you must know about a credit card. Like our imagination credit card is not free. We have to pay a certain amount for it which is we never knew. All these charges is a headache if we don’t use the credit card properly.

The annual maintenance fee:

Even though the bank says you that they give you free credit card but they are charging many hidden charges on these credit cards. When you get a free card, you think that the joining fee and the annual fee will be reused. But the actual thing is that you have to pay an amount after the initial period. The waived off is only up to one year. And the amount you have to per year is about Rs 1500 to Rs 3000. You can check here for complete details of all charges on all major credit cards in India.

Transaction of Foreign Currency

If you make any transaction using you credit card in foreign currencies then you have to pay a pre-determined fee. This pre-determined is applied in every transaction you made in foreign currencies which depending on the amount how much you transfer. The credit card charges on foreign currencies about 3-5% of its transaction amount.

Interest costs

The bank will give a due date to pay the outstanding amount for each month. If you don’t pay or if you were not able to pay within the expected date which the bank given, then the bank will charge an interest at the rate of 3 cent per month that expenses incurred on the card. This is not seemed as excessively high rate but the actual thing is that the monthly interest rate is annualized to arrive at an annualized percentage rate which is probably known as APR. This APR or annualized percentage rate can be high as 36 to 38 per cent.

Cost on Overseas transaction

You will never know that the bank charges a rate on overseas transaction too. But it is really happening, the bank will charge you a rate for every transaction you made as overseas.  This rate of interest will approximately 3 to 5 per cent of the overseas transaction which is converted into INR. This rate is depending upon the rate of exchange on the day where you made the transaction.

Using credit card for cash withdrawal.

You can make withdrawal through credit card. And some banks give you a certain amount on the first withdrawal you made through credit card. But after that when you made a withdrawal the bank charges on the transaction at the rate of 2.5 per cent on the cash advance. In addition to this you have to pay a certain rate of interest from day one after the withdrawal. There will be high rate of 24 to 25 cent per annum will be charged after the withdrawal.

Crossing card limit cost

Every banks who provides you credit card will put a limit on every credit cards. Even when you cross a single amount of one rupee the bank will charges you a limit amount which is about rs 500 or 2.5 per cent on the over limit amount. The is the minimum amount which can be said as the bank puts high rate on crossing limit.

Late payment fee

When you not able pay on time or when you made late payment, the bank will then also charges a certain amount on your payment. The late payment fee either fixed or flexible depending upon the credit card issued banks. There will be charged at the rate of 100 to 600 rupees for the amount between 500 to 20,000 and rupees 700 to 800 for the amount more than 20,000.

A duplicate statement fees

The monthly statement of the transactions is delivered through the postal address with free of cost by the banks. If you want a duplicate statement fee, you should have request to the bank and the bank will charge you an amount at the cost between Rs 50 to 100. After the payment the bank will issue the duplicate statement.

Card replacement fee

Did you ever lose your card before? There is a chance of losing your card even you have high caring capacity. In such cases you should apply for bank. While applying for card replacement the bank will charge a certain amount for the card replacement which is in between rupees 250 to 300.

Dishonor of ECS charge or limit on every credit cards

When the payment on your credit card bounces the bank, which provides you credit card will charge you a fixed amount. The amount will be at the rate in between rupees 300 to rs 350. There will be an amount of rupees 100 will be added to your statement when the banks sends a representative to pick up the cash or cheque on the amount of overdue in next month.

Surcharges

When you use your card to purchase petrol the bank will charge a percentage of the transaction value. This charge can be either 2.5 per cent of the transaction nor rs 10 to rs 25 flat fee which depends upon your bank. There are some banks which offers a claim on the surcharge for fuel. But this for some certain specified banks which in between rs 400 to rs 4000. Which means any transaction under rs 399 or over 4000 rupees will be charged as usual.

How to transfer Funds from Credit Card to Bank Account ?

Transfer Money from Credit Card to Bank Account for Free : Nowadays a lot of people have been using various credit cards. Most people don’t know that you can use Credit Cards not online for shopping online but in case of emergency you can also transfer some amount from it to your Bank Account. Few years back, there was no way to transfer funds from Credit Card to Bank Account and you could only withdraw as cash from any ATM. However, it is not the case now. Now, you can easily transfer the desired amount from your Credit Card to Account. In this Article, we will tell you the complete procedure to transfer funds from credit card to bank account online.

This Article will help you to :

  • Transfer Money from Credit Card to Savings Account
  • Transfer Money from Credit Card to Current Account
  • Transfer Money from Credit Card to Debit Card Account

Steps to Transfer Money from Credit Card to Bank Account

Before we tell you the steps, you must make sure that your Credit Card is active and working. If not, please activate your Credit Card first and then proceed with the steps given below.

1) Create a Paytm Account and Complete the KYC

Create an Account on Paytm and complete the KYC Process by visiting one of its nearest KYC Centres. As per the new rules, it is mandatory to complete the KYC process to transfer money from Paytm to Another Paytm Account or to another bank account. Also, after completing KYC Process your monthly limit is increased from Rs.20,000 to Rs.25000.

2) Create a Paytm Merchant Account

Now, you need to create a Paytm Merchant Account by visiting this link –> https://business.paytm.com. You can use the same number as you used for general account in Paytm. You can use any Business Name and Display Name of your Choice and add your personal Savings Bank Account/Current Account Number and IFSC Code in which you want to receive funds. You will now get a QR Code which can be used to receive payments. Please download the Paytm for Business Android App.

3) Adding Money and Sending to your Paytm Merchant Account

Now you need to add money in your regular Paytm Wallet and Scan the QR Code you got with Paytm for Business Account. As soon as you see your Paytm Business Display Name appears on the screen, you can proceed with the Payment. Your payment will reach your Bank Account within 24 hours without any charge i.e., absolutely free of cost.

This completes the process to transfer money from credit card to bank account free of cost.

Important Points to Note while Transferring Funds from Credit to Bank Account  :

1) Please note that there is also a provision to send money from credit card to bank account online in the regular paytm app without getting into the hassles of creating a paytm merchant account. The process is completed by IMPS but the negative aspect is that you will be charged at the rate of  and you can send only Rs.5000 per transaction.

2) Please do not add more than Rs.25000 in your Paytm Wallet as you cannot transfer more than Rs.25000 to a Bank Account or to another Paytm Wallet in a calendar month.

3) The minimum amount you can transfer to your Account is Rs 100.

4) Please make sure that you enter the correct bank account details, so that the amount gets credited to your account only.

5) Usually it takes 24 hours for the Amount to get credited in your Bank Account. However, if it exceeds 24 hours you are advised to contact Paytm Customer Support.

Final Words :

You might have seen the process to add money from Credit Card to another Bank Account is quite an easy process and it doesn’t take more than 10-15 minutes to complete the process. Although this facility is also available in other Online Wallets like Freecharge and Mobikwik but they don’t give a free service as of now.

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How to book Flexipay in SBI Credit Card ?

Book Flexipay in SBI Credit Card : State Bank of India is one of the most trusted banks in India. It provides various types of Credit Cards. With every type of SBI Credit Card comes a feature to convert any of your transactions above Rs.2500 into easy installments. So, you can make big purchases with your SBI Credit Card and pay back with flexible pay back options.

In this Article we will tell you : 

  • How to Book Flexipay in SBI Credit Card Online ?
  • How to Book Flexipay in SBI Credit Card by SMS ?
  • How to Book Flexipay in SBI Credit Card by Calling Customer Care ?

How to use Flexipay in SBI Credit Card ?

Before we tell you how to use of book SBI flexi pay, let us tell you a few conditions which should be kept in mind.

Conditions to Book Flexipay in SBI Credit Card

In order to convert to flexipay in SBI Card, the following conditions must be fulfilled :

1) You need to convert your transactions into Flexipay within 30 days of the purchase.

2) Any transaction of Rs. 2,500 or more can only be converted to Flexipay

3) The Flexipay facility is available over tenures of 6, 9, 12, 24 months. The tenure option of 36 months is available only for booking amount more than or equal to Rs. 30,000.

Let us first start with the process to use SBI Flexipay online by logging into SBI Card Online Account.

Also Read : 

Steps to book Flexipay in SBI Credit Card Online

In order to book flexipay in SBI Card Online, you need to follow the step by step procedure given below :

1) Login to your SBI Card Account by using your User ID and Password.

2) In the left sidebar, click on Flexipay Option under Benefits.

Flexipay SBI Credit Card

2) Now you will see all the eligible transactions for Flexipay. Choose the transaction you would like to convert to flexipay and click on Show Offer. Like here we have only 1 eligible transaction of Rs.30,599

Show Offer for SBI Card Flexi Pay

3) As soon as you click on Show Offer, you will get options to select from the offers(As Shown below).

Like here we have selected 7.5% interest p.a. and Tenure as 3 months. So, the EMI for 3 months comes out to be Rs.10,390.91. And there will be one time processing fee of Rs.611.98 which is 2% of the transaction amount.

Select Offer in SBI Card Flexi Pay

4) Finally you will be shown all the details together so that you can verify it. Here, Rs.91.80 has been added to the Processing fee of Rs.611.98 (shown in step 3). So, the processing fee with taxes comes out to be Rs.703.78.

If you have verified all the details, Click on the terms and conditions box and finally click on Confirm to confirm your booking.

Verify and Confirm Booking in SBI Flexi Pay

Now you will be able to see a message as shown below which says “You have successfully booked Flexipay for an amount of Rs.30599.00. You now need to pay an EMI of Rs.10,390.91 per month for 3 months.”

So this request will be processed within 4-5 working days. You can track the status of your booking by clicking on Track Booked Offers under Benefits(In the left sidebar).SBI Card Flexi Pay Booked

Now, check the Unbilled trasactions in the left sidebar.Unbilled Transactions in SBI Credit Card

You can see that the Amount of Rs.703.78, which is your processing fee has been charged immediately.

Transactions under Settlement in SBI Credit Card

So, just wait for 4-5 days and your purchase will be converted into EMI.

Important Note : Please note that the total Purchase Amount will be locked on your SBI Credit Card. As you go on paying the EMI Amount, that much limit will be released for your SBI Card.

Steps to book Flexipay in SBI Credit Card by SMS

In order to book flexipay in SBI Card by SMS, you need to send and SMS FP to 56767 from your registered mobile number and you will be receiving further instructions to proceed.

Steps to book Flexipay in SBI Credit Card by Calling Customer Care

In order to convert to flexipay in SBI Card by Calling Customer Care, you need to make a call at (STD Code of your City)39 02 02 02 or 1860 180 1290(From BSNL/MTNL Landline). Follow the IVR Instructions, talk to the customer care executive who will assist you to convert your purchase into Flexipay.

Fees and Charges to book Flexipay in SBI Credit Card

There are some fees and charges which should be remembered while you book a transaction for flexipay in SBI Card.

  • A one-time processing fee of 2%, upto a minimum of Rs. 199 and a maximum of Rs. 1,000 will be charged.
  • Flat rate of interest of 14.5% per annum, or as per applicable offer will also be charged.
  • In case you want to foreclose or cancel your Flexipay, a 3% cancellation fee will be charged on the outstanding principal amount.

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How to Change Mobile Number in SBI Credit Card ?

Change SBI Credit Card Mobile Number : State Bank of India is undoubtedly the largest and most trusted banks in India. SBI provides its account holders with a lot of banking products and options. One such option in SBI Credit Card. SBI Credit Cards are known to be one of the best among all banks. There might be a situation when you want to Change SBI Credit Card Mobile Number. For all those who already have SBI Credit Card, and are looking to change Mobile Number in SBI Credit Card, this article is definitely for you. Please note that once you change your mobile number in SBI Credit Card, you will get OTP on your New Mobile Number only.

In this Article, we will tell you how to :

  • Change SBI Credit Card Mobile Number Online
  • Change SBI Credit Card Mobile Number by Branch Visit

How to Change SBI Credit Card Mobile Number ?

Before you proceed to change SBI Credit Card Mobile Number Online, make sure you have followed the procedure to activate SBI Credit Card Online. Once your SBI Credit Card is activated, you can easily change Mobile Number in SBI Credit Card Online without any Address Proof.

How to Change SBI Credit Card Mobile Number Online ?

In order to change mobile number in SBI Credit Card Online, you must follow the step by step procedure given below :

1) Login to www.sbicard.com using your User ID and Password.

2) Click on My Profile in the blue coloured area of the left Sidebar.

Profile in SBI Credit Card Online

3) Select your Card from the Drop Down and Click on Quick Contact.

Quick Contact in SBI Credit Card

4) Click on the Edit link to proceed to Change Mobile Number in SBI Credit Card.

Edit Mobile Number in SBI Credit Card

5) Remove your old Mobile Number and Enter your New Mobile Number in the space provided.

Add Mobile Number in SBI Credit Card

6) Click on Generate OTP.

As soon as you click on Generate OTP, you will receive an OTP(One Time Password) on your registered mobile number.

Generate OTP to Change Email Address in SBI Credit Card

7) Enter the OTP in the Space Provided and click on Confirm. If you have not received OTP on your mobile number, click on Resend OTP to receive it.

Enter OTP to Change SBI Credit Card Email Address

As soon as you click on Confirm, your SBI Credit Card Mobile Number will be changed in SBI records.

Note : If you do not have your registered mobile number with you due to any reason, you will have to follow offline process to change the mobile number.

How to Change SBI Credit Card Mobile Number Offline by Branch Visit ?

In order to change mobile number in SBI Credit Card by Branch Visit, you must follow the step by step procedure given below :

1) Either Download SBI Credit Card Mobile Number Change Application form (PDF Format) or Collect it from nearest SBI Branch.

2) Fill up the SBI Credit Card Mobile Number Change Application form completely, Paste your recent passport size Photo on the form and put your Signature wherever needed.

3) Visit your SBI Home Branch and Submit the Application form along with the self attested copies of your Address Proof and PAN Card. Alternatively, you can also drop your Application form, Address Proof and PAN Card copy in the SBI Card Drop Box available in the Branch.

As soon as your Application form is submitted and your documents are verified, the application form will be processed and your Mobile Number will be changed in SBI Credit Card records.

Final Words

You might have noticed that it is quite easy to change mobile number in SBI Credit Card. Although, both offline and online process to change SBI Credit Card Mobile Number are equally easy. However, with the online process you can change your SBI Credit Card Mobile Number very quickly, that too without any document. Please note that once the Mobile Number is changed, you will no longer receive OTP on the earlier mobile number as your new mobile number will be registered.

READ ALSO : 

How to Change Email Address in SBI Credit Card ?

Change SBI Credit Card Email Address : State Bank of India is undoubtedly the largest and most trusted banks in India. SBI provides its account holders with a lot of banking products and options. One such option in SBI Credit Card. SBI Credit Cards are known to be one of the best among all banks. There might be a situation when you want to Change SBI Credit Card Email Address. For all those who already have SBI Credit Card, and are looking to change Email Address in SBI Credit Card, this article is definitely for you. Also, read our previous article on how to change communication address in SBI Credit Card.

In this Article, we will tell you how to :

  • Change SBI Credit Card Email Address Online
  • Change SBI Credit Card Email Address by Branch Visit

How to Change SBI Credit Card Email Address ?

Before you proceed to change SBI Credit Card Email Address Online, make sure you have followed the procedure to activate SBI Credit Card Online. Once your SBI Credit Card is activated, you can easily change Email Address in SBI Credit Card Online without any Address Proof.

How to Change SBI Credit Card Email Address Online ?

In order to change email address in SBI Credit Card Online, you must follow the step by step procedure given below :

1) Login to www.sbicard.com using your User ID and Password.

2) Click on My Profile in the blue coloured area of the left Sidebar.

Profile in SBI Credit Card Online

3) Select your Card from the Drop Down and Click on Quick Contact.

Quick Contact in SBI Credit Card

4) Click on the Edit link to proceed to Change Email Address in SBI Credit Card.

Edit Email Address in SBI Credit Card

5) Remove your old Email Address and Enter your New Email Address in the space provided.

Add Email Address in SBI Credit Card

6) Click on Generate OTP.

As soon as you click on Generate OTP, you will receive an OTP(One Time Password) on your registered mobile number.

Generate OTP to Change Email Address in SBI Credit Card

7) Enter the OTP in the Space Provided and click on Confirm. If you have not received OTP on your mobile number, click on Resend OTP to receive it.

Enter OTP to Change SBI Credit Card Email Address

As soon as you click on Confirm, your SBI Credit Card Email Address will be changed in SBI records.

How to Change SBI Credit Card Email Address Offline by Branch Visit ?

In order to change email address in SBI Credit Card by Branch Visit, you must follow the step by step procedure given below :

1) Either Download SBI Credit Card Email Address Change Application form (PDF Format) or Collect it from nearest SBI Branch.

2) Fill up the SBI Credit Card Email Address Change Application form completely, Paste your recent passport size Photo on the form and put your Signature wherever needed.

3) Visit your SBI Home Branch and Submit the Application form along with the self attested copies of your Address Proof and PAN Card. Alternatively, you can also drop your Application form, Address Proof and PAN Card copy in the SBI Card Drop Box available in the Branch.

As soon as your Application form is submitted and your documents are verified, the application form will be processed and your Email Address will be changed in SBI Credit Card records.

Final Words

You might have noticed that it is quite easy to change email address in SBI Credit Card. Although, both offline and online process to change SBI Credit Card Email Address are equally easy. However, with the online process you can change your SBI Credit Card Email Address very quickly, that too without any document.

READ ALSO : 

How to Change SBI Credit Card Address ?

Change SBI Credit Card Address : State Bank of India is undoubtedly the largest and most trusted banks in India. SBI provides its account holders with a lot of banking products and options. One such option in SBI Credit Card. SBI Credit Cards are known to be one of the best among all banks. There might be a situation when you have relocated to a new home or you want some correction in your Address and hence you want to Change SBI Credit Card Address. For all those who already have a SBI Credit Card, and are looking to change billing Address in SBI Credit Card, this article is definitely for you. Also, read our article on how to change email address in SBI Credit Card.

In this Article, we will tell you how to :

  • Change SBI Credit Card Address Online
  • Change SBI Credit Card Address by Branch Visit

How to Change SBI Credit Card Address ?

Before you proceed to change SBI Credit Card Address Online, make sure you have followed the procedure to activate SBI Credit Card Online. Once your SBI Credit Card is activated, you can easily change Address in SBI Credit Card Online without any Address Proof.

How to Change SBI Credit Card Address Online ?

In order to change address in SBI Credit Card Online, you must follow the step by step procedure given below :

1) Login to www.sbicard.com using your User ID and Password.

2) Click on My Profile in the blue coloured area of the left Sidebar.

Profile in SBI Credit Card Online

3) Select your Card from the Drop Down and Click on Address.

Address Option in SBI Credit Card Online

4) Click on Edit link just besides the Personal Address heading.

Change Address in SBI Credit Card Online

5) Now you can Edit or Change your Personal or Official Address. Also, you can set any one of these addresses as your communication address but selecting the appropriate radio button.

Change Communication Address in SBI Credit Card Online

6) Scroll down to the bottom of the page and click on Generate OTP.

Generate OTP to Change SBI Credit Card Address

As soon as you click on Generate OTP, you will receive an OTP(One Time Password) on your registered mobile number.

7) Enter the OTP in the Space Provided and click on Confirm. If you have not received OTP on your mobile number, click on Resend OTP to receive it.

Enter OTP to Change SBI Credit Card Address

As soon as you click on Confirm, your SBI Credit Card Address Change application will be sent for processing and your billing Address will be changed in SBI Credit Card records.

How to Change SBI Credit Card Address Offline by Branch Visit ?

In order to change address in SBI Credit Card by Branch Visit, you must follow the step by step procedure given below :

1) Either Download SBI Credit Card Address Change Application form (PDF Format) or Collect it from nearest SBI Branch.

2) Fill up the SBI Credit Card Address Change Application form completely, Paste your recent passport size Photo on the form and put your Signature wherever needed.

3) Visit your SBI Home Branch and Submit the Application form along with the self attested copies of your Address Proof and PAN Card. Alternatively, you can also drop your Application form, Address Proof and PAN Card copy in the SBI Card Drop Box available in the Branch.

As soon as your Application form is submitted and your documents are verified, the application form will be processed and your billing Address will be changed in SBI Credit Card records.

Final Words

You might have noticed that it is quite easy to change address in SBI Credit Card. Although, both offline and online process to change SBI Credit Card Address are equally easy. However, with the online process you can change your SBI Credit Email Address very quickly, that too without any Address Proof document.

READ ALSO : 

How to Apply for Add On Credit Card in SBI ?

Apply for Add On Credit Card in SBI : State Bank of India is undoubtedly the largest and the most trusted bank in India. It provides its account holders with a variety of Banking Products and options. SBI Credit Cards are known to be one of the best among all. When you apply for SBI Credit Card, you get a lot of benefits and features like reward points etc. At any point of time, if you want to get an add on Card for any of your family member, you can easily get it. The limit remain the same. However, the same limit will be used by the main card holder as well as the Add On card holder. Today, we will tell you the step by step procedure to apply for SBI Add On Card.

In this Article, we will tell you : 

  • What is Add On Card in SBI ?
  • How to Apply for Add On Credit Card in SBI Online ?
  • How to Apply for Add On Credit Card in SBI by Branch Visit ?

How to Apply for Add On Credit Card in SBI ?

Before we tell you the process to apply for add on credit card in SBI, let us know what actually add on card is.

What is Add On Card in SBI ?

An add-on card in SBI is a privilege card offered to the spouse, parents or children of the main credit card holder. In most of the cases there is no fee to apply for an SBI add-on card. However, in some rare cases you will have to pay a small fee for them which depends on the type of credit card. Kindly note that all expenses incurred on the add-on card are billed to the primary cardholder only.

The Add-on Card holder must be more than 18 years of age to avail an SBI card. You can only get 2 Add-on Cards on every primary card.

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How to Apply for Add On Credit Card in SBI Online ?

In order to apply for SBI Add On Card Online, you need to follow the step by step procedure given below :

1) Login to www.sbicard.com using your User ID and Password.

2) Click on Requests on left Sidebar.

Requests Option in SBI Card

3) Click on Add-on Card under Requests.

Add On Card in SBI

4) Enter the Add On Card Holder details :

Relationship with Primary Card Holder : Enter the relationship of Add On Card Holder with Primary Card Holder.

Name : Enter the Name of Add On Card Holder exactly as you want it on the Card.

Gender : Select the Gender of Add On Card Holder.

Date of Birth : Select the Date of Birth of Add On Card Holder.

SBI Add On Card Holder Details

5) Click on Confirm.

As soon as you click on Confirm, you will be given your application number (As shown below). Your Add-on Card will be dispatched to your registered address within 10 working days.

Also See :: How to Check Credit Card Application Status in SBI ?

Apply for Add On Card SBI

You will also receive an SMS on your registered Mobile number with the tracking details once the card is dispatched.

Important Note : All expenses incurred on the add-on card will be billed to the primary cardholder.

How to Apply for Add On Credit Card in SBI by Branch Visit ?

In order to apply for SBI Add On Card by Branch Visit, you need to follow the step by step procedure given below :

1) Visit your SBI Home Branch with the Address and ID proof documents of primary card holder and add on card holder.

2) Collect the SBI Add On Credit Card Application Form from Accounts Executive, or

Download SBI Add On Credit Card Application Form and take a Print of it.

3) Fill up the Form completely and put Signature of primary card holder wherever required.

4) Submit the SBI Add On Card Application Form and in some days the Add On card will reach at the registered address.

Important Note : All expenses incurred on the add-on card will be billed to the primary cardholder.

Final Words

You might have noticed that the process to apply for add on card in SBI is quite easy and does not take much time. Both online and offline processes to apply for SBI add on card are equally easy. However, it depends upon your convenience and ease, which method you want to use.

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How to Redeem SBI Credit Card Reward Points ?

Redeem SBI Credit Card Reward Points : State Bank of India is undoubtedly the largest and most trusted bank in India. It provides its account holders with a lot of banking products and options. When you apply for SBI Credit Card, you get many benefits with it. One such benefit is Reward Points from SBI. Whenever you use Credit Card to buy something, you get some Reward Points. These reward points are acculumulated in your SBI Credit Card Account and can be redeemed to buy any product of your choice. This article will help you with the process to redeem reward points for SBI Credit Card.

In this Article, we will tell you :

  • What are Reward Points in SBI Credit Card ?
  • How to Earn Reward Points in SBI Credit Card and What is their Validity ?
  • How to Redeem SBI Credit Card Reward Points Online ?
  • How to Redeem SBI Credit Card Reward Points by Branch Visit ?
  • How to Redeem SBI Credit Card Reward Points in Cash ?

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How to Redeem SBI Credit Card Reward Points ?

Before we tell you the procedure to redeem Reward Points for SBI Credit Card, let us know what actually are these reward points.

What are Reward Points in SBI Credit Card ?

State Bank of India offers the SBI Credit Card holders with the orpportunity to earn rewards for every purchase transaction they make. Rewards Points are accumulated in the Credit Card Account of the card holder. When the SBI Credit Card holder uses the Card for shopping, dining, travel and other transactions done he gets some reward points. Reward points can be redeemed for a variety of gifts available in the online rewards catalogue which has electronics, vouchers, lifestyle products, travel vouchers, accessories, home decor, gifts, apparel and much more.

How to Earn Reward Points in SBI Credit Card and What is their Validity Period ?

Rewards points come with a validity of two years.

SBI Signature and Platinum Credit Card holders can earn 2 rewards points for every Rs. 100 spent on purchase transactions and earn 10 rewards points for every Rs. 100 spent on departmental store purchases, international transactions and dining.

SBI SimplySAVE and Gold & More Credit Card holders can earn 1 reward point for every Rs. 100 spent on purchase transactions and earn 10 rewards points for every Rs. 100 spent on departmental store purchases, grocery shopping, movies and dining.

How to Redeem SBI Credit Card Reward Points Online ?

In order to redeem Reward Points for SBI Credit Card online, you need to follow the step by step procedure given below :

1) Login to www.sbicard.com using your User ID and Password.

2) Click on Rewards on left Sidebar.

Rewards in SBI Credit Card

3) Click on Redeem Rewards under Rewards.

Redeem Rewards in SBI Credit Card

4) You will be able to see your Remaining Points (Like you see 2692 Points in the below image).

Select the Points, City and Categories drop down menu to filter your Product Search.

Redeem SBI Credit Card reward points

5) Click on Redeem Now button on the product you have chosen.

Redeem Reward Points in SBI Credit Card

6) Now, Click on Add to Cart to proceed to redeem your points for the product chosen.

Redeeming Reward Points in SBI Credit Card

7) Scroll up and Click on My Shopping Cart.

Shopping Cart to Redeem SBI Credit Card Reward Points

8) You will now find your Product in the Shopping Cart.

You can now choose the Quantity of the Product and scroll down to choose the Address where the Product is to be delivered.

Place Order to Redeem SBI Credit Card Reward Points

9) Finally, tick mark on the Terms & Conditions box and click on Place Order.

As soon as you click on Place Order, your order will be placed and reach at the Address you specified.

How to Redeem SBI Credit Card Reward Points by Calling Customer Care ?

In order to redeem Reward Points for SBI Credit Card by Calling Customer Care, you need to follow the step by step procedure given below :

1) Check how many reward points you have by either Checking in your Credit Card Statement or by Signing in to your SBI Card Account.

2) Click on the link below to find the product which is available in the Reward Points you have. Make a Note of the ITEM Code.

SBI Credit Card Rewards Program

3) Make a Call to SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290/1800 180 1290 from BSNL/MTNL.

4) The operator will guide you to redeem your Reward Points. You just need to tell your ITEM Code and SBI will deliver the product to your registered address.

How to Redeem SBI Credit Card Reward Points in Cash ?

You can only redeem your SBI Credit Card Reward Points by calling Customer Care.

1) Check how many reward points you have by either Checking in your Credit Card Statement or by Signing in to your SBI Card Account.

2) Make a Call to SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290/1800 180 1290 from BSNL/MTNL.

3) Request the customer care executive for converting your reward points to cash payment.

Note : For every 400 points, you can convert to cash payment of Rs. 100.

Final Words

You might have seen that SBI Credit Card points redemption is quite an easy process. Although, all the three methods are quite feasable. However, if you do not want to buy any product encashing your Reward Points is definitely the best way.

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How to Activate new SBI Credit Card Online ?

Activate new SBI Credit Card Online : SBI is undoubtedly the best bank in India having products to fulfil the need of every customer. SBI Credit Card is also known to be one of the best among all. It provides the customers with many facilities like lower interest option, encash, utility bill payments and a lot more. Once you apply for SBI Credit card and receive it, you need to activate it in order to use it for various transactions. Today, we will tell you the procedure to activate SBI Credit Card Online. Kindly note that it does not take more than 2 minutes to activate your SBI Credit Card. Don’t forget to read our articles on SBI Credit Card Payment Options.

How to Activate new SBI Credit Card Online

How to Activate new SBI Credit Card Online ?

Before we tell you the procedure to activate SBI Credit Card Online, make sure that you have received your SBI Credit Card and it is inactive. Also, you must register yourself on SBICard.com to login to your SBI Card Account and activate your SBI Credit Card.

In order to activate new SBI Credit Card Online, follow the steps given below :

1) Login to SBI Card Official Website with your User ID and Password.

2) Once you are logged in to your Account, click on Requests option on the left sidebar.

Requests in SBI Card Online Website

3) Under requests, Click on Card Activation.

Card Activation in SBI Card Online Website

4) Select your Card from the drop down & Click on Activate.

You will see a message now “Congratulations! Your SBI Card ending with XXXX is now unblocked. You can use it for online and offline transactions“.

Final Words :

It is really important to activate SBI Credit Card, as you would not be able to perform any online or offline transactions with your Card unless it is activated. Activation of SBI Credit Card is quite an easy process and it does not take more than 2 minutes.

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