Day 2 T1 Content V3 September 2022

WELCOME TO SBI
CARD TRAINING
Disclaimer: All the material made available by SBI Card is to be used for training purposes only. Information to be treated as confidential. Do not divulge any details thereof for any other
purposes.”
Induction Session Plan- Day 2
Day 2
Methodology - Conceptual Learning
Module 1 Topics Duration (min) Facilitator Learning Tool
by ILT
Review of previous day All topics 30 Discussion / Mock Calls
Fees and Charges All fees and charges 75 PPT / M Gurukul / illustration
Mock Call Sessions Topics and questions to be provided by Trainer 60
Module/Self learning
Module Test- 1 Open book Module 1 45 M Gurukul
Self Learning Topics for Self-Learning - Fees & Charges /S2S/Website 30 Content On M gurukul and Website
Tea break 15
Payment Related queries
- TAT of payment
Payment modes/channels, YONO,BHIM, Auto - Digital payment

60 Activity, discussion and queries
Debit, Paynet, NEFT - Auto debit as mandate payment option for Secured card
Payments Trainer M-Gurukul
- Mandate talk off to be covered
-Objection handling on Payments to be covered
KYC KYC related to be inform 30 PPT, Discussion
Lunch 30
Statement Statement related Modes of statement & Sample statement screenshots 30 PPT. discussion and Q&A
Tea break 15
Introduction to S2S Products (Focus on Flexipay

- Product Introduction 90 M gurukul / Website/ PPT
S2S & BT)
Recap All topics 30 Discussion / Mock Calls
purposes.”
purposes.”
OBJECTIVES
By the end of this session you will understand -
 Fees and Charges
 Balance Transfer
 Easy Money
 Encash
 Flexipay
purposes.”
Fees and Charges
purposes.”
Fees and Charges
Extended Credit
Interest Free Credit Period Finance charges Minimum Amount Due

20-50 days (applicable only on Interest accrual over outstanding charges in retail, cash and GST plans will be at 42% 5% of Total Outstanding (Min.
retail purchases and if previous p.a. (3.5% p.m.). This is valid only for unsecured retail cards (except Shaurya cards). Rs. 200) + GST + EMI (in case of
months outstanding balance is Minimum amount of Finance Charge will be Rs 25 each, loans) + Past Due +Over limit
paid in full) amount+100 % of Fee and
Finance charges for secured cards are 2.75% p.m. Charges
From 30th Sept End of Day, Stopping the Interest accrual on Fee and charges
(excluding Interest).
Cash Advance
SBI ATMs / Other
Cash Advance limit Free Credit Period Finance charges International ATMs
Domestic ATMs
Up to 80% of Credit Limit (Max. Interest accrual will be at 42% p.a. (3.5% p.m.). 2.5% of transaction 2.5% of transaction
12K / day, & 15K / day for Gold This is valid only for unsecured retail cards amount (subject to a min. amount (subject to a min.
& Platinum Cards) (ARQE Page (except Shaurya cards). of Rs. 500) of Rs. 500)
3) NIL
With effect from 5th Aug’15, the Before 1st February 2021, Upto 3.35% p.m. Before 1st Aug 2019 Before 1st Aug 2019
minimum ATM cash transaction (40.2% p.a.) from the transaction date. 2.5% of withdrawal 3.0% of withdrawal
withdrawal amount would be amount - Min. Rs. 300 amount - Min. Rs.300
Rs. 500. Finance charges for secured cards are 2.75%p.m.
GST applicable on all Fees and Charges

purposes.”
Other Charges & Fees
Cash OTC
Cheque Bounce/ Invalid Cheque Credit Limit Increase Fee Over limit Cheque Payment fee
(payment) Fees
Dishonour fees are charged A cardholder can also An over-limit fee is a fee charged
Effective 1st January
to customers when the bank request the issuing bank for when credit card balance goes 2020: Fees for Cash
account that a customer has a enhancement in credit over the credit limit of the credit Cheque Payment Fee: Payment
given for payment has limit. card. From 1st January 2021, A fee of INR 100 will be towards the
insufficient funds. 2.5% with a min. levy of Rs. 600. levied on all payments total amount
Payment Dishonor Fee:Charges Effective 1st September done through cheque due in
towards payment bounces due 2021, Fees levied on Credit irrespective of the value
Overlimit fees will be levied at the statements.
to insufficient funds have been Limit Increase are retracted of the payment done
revised to 2% with a min. levy for all requests. existing rate on every instance of
This fee is not Cash payment
of Rs. 500. GST flag is switched an account going over the credit
applicable for Senior fee- Rs.250
off effective 1st September 2022 limit every cycle. This is valid only
for Tran Codes citizens.
for retail cards.
107,108,607,608
Cheque Card Emergency Card Rewards/Cash points Charge slip
Redemption Fee Statement Retrieval
Pickup Replacement Replacement (When Abroad) Retrieval
Rs.100/- – Effective 1st September 2022,Statement Rs. 225

Rs 99
Retrieval Fee of Rs. 100 will not be levied
Rs.250/-(Rs. (On Gifts, Cash per
Rs 100/- Actual Cost (Min. $175) on statement regeneration requests.
1500/- for Redemption & Specific Charge
Before 1st September 2022, Rs. 100 per
Aurum) Vouchers Only) slip
Statement (>2 months old)

purposes.”
Forex and Dynamic/Static Currency Conversion markup for international transaction
Conversion mark up: 3.5% For All Cards (Except Elite & Aurum) 1.99%(For Elite & Aurum Cardholders Only)
From 1st December 2021, Forex and Dynamic/Static Currency Conversion markup for international transaction
reversals
 Markup of 3.5% (1.99% for Aurum and Elite) will be levied on international transaction reversals
 Disputed transactions with chargebacks raised are out of scope of the markup
 Auto reversal of markup fees on reversals will be discontinued

 International forex transaction refunds and DCC transaction refunds:

o Currency conversion fee will not be levied on international forex transaction refunds and DCC transaction refunds
o This change is effective 1st July 2022

purposes.”
NIL Rs.400 Rs.750 Rs.1300

Late Payment Rs.950 Rs.1100
for for for for Outstanding for Outstanding for Outstanding
Outstanding Outstanding Outstanding Amount greater Amount greater Amount greater
• Late Payment Charges slab to be
Amount on Amount Amount than Rs. than Rs. 25,000 than Rs. 50,000
calculated only on outstanding
payment greater than greater than 10,000 up to & up to Rs.
amount.
• date from Rs. 500 & up Rs. 1000 & Rs. 25,000 50,000
Late Payment charges will be
applicable if Minimum Amount Rs.0-Rs.500 to Rs. 1000 up to Rs.
Due is not paid by the payment 10,000
due date. An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum
• Any fee and charges, any reversal/ Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be
cashback initiated by SBI Card will levied for every payment cycle until the MAD is cleared.
not be adjusted against the This fee debit will be clubbed to the original Late fee amount and will come as One single entry in
payment due and will be treated the statement.
as credit for current billing cycle This is valid only for retail cards
• Any credit amount arising out of
refund/failed/ reversed
transactions or similar
transactions before the due date Late payment charges will be applicable on all restructured accounts. Fee of Rs.500 (+taxes) for
or on the due date of payment for Total Amount Due > Rs. 1,000;
which payment has not been No Fee for Total Amount Due < Rs. 1,000.
made by the cardholder, will be Fee levy at this rate is valid from 1st January 2021
adjusted against the ‘payment
due’
purposes.”
Pricing Amendments:
We have made the following change to the SBI Card tariff. These changes have been approved by Pricing Council and
notices along the lines of regulations are being sent to the customers.

• Fees, Charges & GST will not accrue any interest, and will be included in the Minimum Amount Due
• Stopping the Interest accrual on Fee and charges (excluding Interest).
• MAD should include 100 % of Fee and Charges.
• Interest will continue to accrue on customer initiated spends, interest & EMIs in the event of non-payment or delay in
payment of Total Amount Due
• This change is effective 1st October
We have made the following change to the SBI Card tariff. These changes have been approved by Pricing Council and
notices along the lines of regulations are being sent to the customers.

 Processing Fee on all Merchant EMI transactions will be revised to Rs.199 + applicable taxes from Rs.99 + applicable
taxes
 Processing Fee of Rs.99 + applicable taxes will be levied on all Rent Payment transactions
 This change is effective 15th November 2022

Relevant charges are updated on the website.
purposes.”
Pricing Amendments:
• Minimum Finance Charge: A minimum finance charge of INR 25 will be levied on each plan (cash & retail) for
customers if the calculated interest is less than INR 25. Fee levy will be initiated from 1st September 2019
• Interest on GST: Finance charges will be calculated & levied on any GST charged to customers.
Fee levy will be initiated from 1st September 2019
• Network Change Requests: Effective 1st September 2021, Fees levied on Network Changes are retracted for
all requests. Before 1st September 2021, A fee of INR 200 will be levied on all successful network change
requests on flipping (without upgrade or downgrade).Fee levy will be initiated from 5th September 2019
• Membership Fee on Inactive Accounts: Membership fees will be charged on spends inactive accounts as per
BAU fee setup of active accounts.
Fee levy will be initiated from 5th September 2019
• Effective Date of Cash Advance Charges: Cash Advance fees to be effective from actual date of cash
withdrawal instead of the posting date
Fee levy will be initiated from 5th September 2019
purposes.”
Overdue Finance Charges:
Overdue Finance Charge will be discontinued effective 1st August 2022
• Before 1st August 2022 Overdue Finance Charges:

▪ The Cardholder will be charged a revised interest rate of 3.65% per month (43.8% per annum) if the Minimum Amount Due is
not paid by the due date twice in a 12-month period.

▪ This revised rate will be applicable for a period of 12 months before it is reviewed again.

▪ When the Minimum Amount Due or more is paid by the due date for at least 11 times in the next 12 months, the interest rate
charged will be revised back to the original rate applicable.

▪ This change is valid only for unsecured retail cards except Shaurya SBI Card.

▪ This change is effective 1st June 2021 – However, interest rate will be modified beginning August 2021 basis the condition
mentioned above

▪ This rate will not be levied for missing payments retrospectively (Between June 2020 and May 2021).

▪ The required 30 day notice has been given to customers on the website and statements.
purposes.”
Surcharge
Railway Counters www.irctc.co.in
Petrol & all products/services sold at petrol pumps
Railway Tickets – Railway Tickets –
1% of transaction value.
Rs. 30 + 2.5% of 1.8% of transaction
transaction amount amount + service 1% surcharge waiver (excluding all applicable taxes wherever applicable + other
charge, as applicable charges) for single transaction spends between Rs.500 and Rs.4,000 for Premium
Cards; Rs.500 and Rs.3,000 for all other cards.
purposes.”
Cash Withdrawal Charges:
Withdrawn from India: There will be 2

Withdrawn from outside India: There will be 3 charges
charges
ATM fee: 2.5%+GST or Min. Rs. 500 (WIH) + ATM fee: 2.5%+GST or Min. Rs. 500 (WIH) + GST per
GST per withdrawal withdrawal
Finance Charges: 3.5%pm + GST but no grace period, Interest
Finance Charges: 3.5%pm + GST but no
will be charged from day 1 [Finance charges will be
grace period, Interest will be charged from
applicable as per card type3.5% or 2.5%]
day 1 [Finance charges will be applicable
as per card type3.5% or 2.5%] Mark up Charge: 3.5% on the amount + GST.
For Elite & Aurum card- 1.99% on the amount + GST.
Order of Payment Settlement
MAD = Total GST + EMI amount + 100% of Fees/Charges + 5% finance charge (if any), Retail Spends and Cash Advance (if
any)
purposes.”
Mock Call
purposes.”
Break Time
purposes.”
Payment Modes
NEFT
purposes.”
NEFT
Pay your SBI Card dues through NEFT (National Electronic Funds Transfer).
To avail this service visit your bank's net banking & add SBI Card as a beneficiary under third party transfer.
Benefits of NEFT
Convenient Payment option- You can use any bank account that offers NEFT facility to pay your SBI Card bill online.
How to make payment-using NEFT?

 Login to the net banking & add with IFSC code SBIN00CARDS
 Enter your 16 Digit SBI Card number in place of Account number
 Fill bank name as SBI Credit Card-NEFT
 Fill bank address as Payment System Group, State Bank GITC, CBD Belapur, Navi Mumbai
 Click Submit button to complete registration & pay your SBI Card Bill.
* From 21st Feb’17, NEFT payment made by SBI Card customers will get credited on his card within 3 banking hours instead of 1
working day.
Note:- Payments made till 3:30 pm via NEFT payment mode, will get credited within 3 banking hours, same day.
purposes.”
Paynet- Pay Online
purposes.”
Paynet- Pay Online
How to make payment using Paynet?

- Enter details of the SBI Card number,e mail id and the amount you wish to pay.
- Click on Debit Cards to make payment through SBI Debit Card or NetBanking & choose the bank account you
wish to debit.
- You will be securely redirected to the bank payment interface of your chosen net banking option.
- Enter your net banking authentication details [user id/ password]
- Confirm your payment amount to SBI Card.Your account will get debited online.
- You will also receive an email acknowledgement of your transaction (if email id provided).
- Payment will be instant in your SBI Credit Card account.
purposes.”
Paynet- Pay Online
purposes.”
Paynet- Pay Online
purposes.”
Paynet- Pay Online
Track Paynet Payment on sbicard website

A link has been created in SBI Card website to check the transaction status of PayNet
payment to make life simpler for our customer.

This change will help customer to check transaction status instantly on website instead
of raising query to SBI Card helpline. With the help of this tool queries related to status of
payment posted will decrease.
Customer to use the below steps to check the payment status:-

• Go to www.sbicard.com
• Click on Pay
• Click on Paynet Pay online
• Click on Ok
• Click on Track a payment link
• Write Card No or Transaction ID and Transaction Date
• Click on submit button and check your last transaction status
purposes.”
Paynet- Pay Online
Q1. What is PayNet?

PayNet is your one stop destination to make SBI Card payment.

Q2. How do I make payment using PayNet?
Step 1: Log in to sbicard.com using your SBI Card online user ID and password
Step 2: Click on ‘Pay now’ on the Dashboard page
Step 3: Select the amount you wish to make the payment
Step 4: Select the mode of payment and the Bank name from the drop-down menu
Step 5: Confirm the details and be securely re-directed to your bank’s payment interface to authorize the payment. Your
account will get debited online and you will receive an online transaction confirmation with a Transaction Reference
Number which will also be sent on your registered mobile no. and e-mail id.

Q3. How long does it take for the payment to reflect in my SBI Card account?
Your payment will reflect in your SBI Card account instantly (Few seconds). You will receive SMS from SBI Card stating
that your payment has been credited.
purposes.”
Paynet- Pay Online
Q1. What is PayNet?

PayNet is your one stop destination to make SBI Card payment.

Q2. How do I make payment using PayNet?
Step 1: Log in to sbicard.com using your SBI Card online user ID and password
Step 2: Click on ‘Pay now’ on the Dashboard page
Step 3: Select the amount you wish to make the payment
Step 4: Select the mode of payment and the Bank name from the drop-down menu
Step 5: Confirm the details and be securely re-directed to your bank’s payment interface to authorize the payment. Your
account will get debited online and you will receive an online transaction confirmation with a Transaction Reference
Number which will also be sent on your registered mobile no. and e-mail id.

Q3. How long does it take for the payment to reflect in my SBI Card account?
Your payment will reflect in your SBI Card account instantly (Few seconds). You will receive SMS from SBI Card stating
that your payment has been credited.
purposes.”
Pay Via Mobile App
purposes.”
Pay Via Mobile App
How to pay using SBI card mobile App
 Step 1: Download the SBI card mobile app from Apple iOS, Android or Windows app store (hyperlinks for each of the app
stores) and using your SBI card online user ID and password. If you haven’t registered yet, click Register Now.
 Step 2: Click on ‘Pay now’ button at the bottom of the Account Summary page.
 Step 3: Enter your registered Mobile No & Email ID if not updated already
 Step 4 : Select the amount you wish to pay
 • Total Outstanding Amount
 • Minimum Amount Due
 • Any Other Amount
 Step 5: Select the payment option and the bank name from the drop-down menu. Confirm the details and be securely re-
directed to your bank’s payment interface to authorize the payment. Your account will get debited online and you will
receive an online transaction confirmation with a Transaction Reference Number which will also be sent on your
registered mobile no. and e-mail id. Payment will reflect instantly on your SBI Credit Card account
purposes.”
Online SBI
purposes.”
Online SBI
Online banking solutions have made life a lot simpler. This feature empowers you to conduct all your financial transactions
from the convenience of your home. This facility allows you to make payments towards your SBI Card dues via direct debit
from your SBI Account.
How to pay using Online SBI
 Step 1 : To register, log in to onlinesbi.com, using your net banking user ID and password.
 Step 2 : Click on ‘Bill Payments’ and go to the ‘Manage Biller’ section
 Step 3 : Select the Add option in the ‘Manage Biller’ section and opt for All India billers , and select ‘SBI Cards and
Payment Services Pvt. Ltd.’ as the biller.
 Step 4 : Register your biller details by entering your name and credit card number and click ‘Submit’.
You will receive an SMS carrying a One Time Password (OTP) on your registered mobile number.
 Step 5 : Enter the OTP and approve your biller details.
You have now successfully registered your credit card on the website
purposes.”
Online SBI
Pay your bills:
 Step 1 : Click on view/pay bills section and click on ‘Without Bills’.

 Step 2 : Select SBI Card as the biller and click on Pay
 Step 3 : Choose the SBI account number from which the payment is to be made
 Step 4 : Enter payment amount and click on ‘Pay Now’. Click on submit to confirm your transaction and follow the
instructions. Your payment is now done.
 Payment will reflect instantly on your SBI Credit Card account
purposes.”
Debit Card Payment
purposes.”
Debit Card Payment
SBI Card believes in making your life simpler. Now pay your SBI Credit Card outstanding securely using your Debit card.
You can choose any of the following Bank Debit Cards for making your payment -
•State Bank of India Debit Card
•Bank of Maharashtra Debit Card
•Indian Overseas Bank
•IDFC Bank
•Kerala Gramin Bank
•PragathiKrishna Bank
•Shivalik Bank
•Bank of Baroda
•Rupay Debit card
How to pay using Debit Card
 Step 1 : Cardholder visits the Debit card payment channel on Website to make your SBI Card outstanding payment
 Step 2 : Please enter the SBI Credit Card number you wish to make the payment for, along with payable amount and your
email ID.
purposes.”
Debit Card Payment
 Step 3 : Click on Debit Cards as your chosen mode of payment and select the bank account you wish to debit from.
You will be securely redirected to the bank payment interface of your chosen bank account.
 Step 4 : Enter your debit card and card authentication details, i.e. user ID, password and PIN number
 Step 5 : Please confirm your payment amount to SBI Card. On confirmation, your bank account will be debited online.
We will send you an email and SMS acknowledgement of your transaction.
 Payment will reflect instantly on your SBI Credit Card account
purposes.”
National Automated Clearing House
purposes.”
Q 1. What is National Automated Clearing House?

National Automated Clearing House or NACH is an electronic mode of funds transfer from your bank account to your
SBI Card account. Now you need not issue cheque every month for paying your SBI Card dues. You can set NACH
for SBI Card, by which the chosen amount will be deducted directly from your bank account every month in favor of
SBI Card. The amount will be credited to your card account on the payment due date.
Q 2. How can the cardholder set up the NACH?

Cardholder can set up NACH to pay SBI Card outstanding in 4 simple steps-
Step 1: Download the NACH form from www.sbicard.com
Step 2: Print the form and fill in the required details.
The mandatory fields are mentioned below for your reference:
 Card No
 MICR Code
 Payment Debit type,
 Bank account no
 Bank name
 IFSC code or MICR code
purposes.”
 Debit amount
 Frequency
 Debit type
 Reference No1 (CARD NO)
 Period From, to or until cancelled.
 Signature with name
Step 3: Choose any one of the 3 options provided in the form:

 Total amount due (TAD), as per your SBI Card statement
 Minimum amount due (MAD), which is the minimum amount payable to SBI Card as per your SBI
Card statement
 A fixed amount, as entered by you, to be debited every month from your bank account to be
payable to SBI Card irrespective of the total amount due or minimum amount due as per your statement
Step 4: Send the completed form along with a cancelled cheque to us at the following address:
SBI Cards and Payment Services Limited
P.O. Bag No.28, GPO, New Delhi – 110001
Post receiving the form & validating it, your NACH account will be set up and your selected amount
will be paid to SBI Card on your payment due date.
Note: Softcopies are acceptable through registered email ID only
purposes.”
SBI AUTO DEBIT
purposes.”
SBI AUTO DEBIT
SBI Card helps you in paying your credit card dues on time. Get the amount deducted directly from your State Bank of
India bank account on your payment due date. Credit limit will release subject to realisation of funds.
Benefits
Enjoy the convenience of paying back directly from your bank account
How to enroll for SBI Auto Debit

•Step 1 : Download the Auto Debit form from Forms Central from www.sbicard.com
•Step 2 : Take the print out of this form and fill in the required details.
Choose from the two payment options available in the form,
• Total amount due or
• Minimum amount due
•Step 3 : Get the form details verified from the bank.
•Step 4 : Send the completed form to the following address:
SBI Card, Correspondence Department,
DLF Infinity Towers, Tower C,
10-12 Floor, Block 2, Bldg 3,
DLF Cyber City, Gurgaon – 122002, Haryana, India
Payment will be get debited from your SBI Card account on your Payment Due Date
purposes.”
SBI AUTO DEBIT
Auto debit is now mandatory only for-

 Defense Program (XXDA/XXDN/XXDP/XXDS/XXPD)
 If Residence Pin code is OCL

If you want to discontinue SBI Auto Debit facility, download and send the completed Auto-Debit De-activation letter to
the above address.
purposes.”
Auto debit payment option change campaign from 4th Aug’22
Key Points:
• SMS will send by PDD and customer can opt for payment option as per the date
mentioning in SMS (Billing – 5 days).
• Interested customers would SMS on the designated number SMS MAD to 5676791 from Registered Mobile Number.
• Acknowledgment SMS will send to customer at same time.
• In next 5 working days customers will get a Final confirmation SMS.
• CSA can check the Cardone notes for final confirmation.
Campaign SMS: Triggered SMS

Dear Cardholder, as per our records, you had registered for Auto Debit facility for payment of the Total Amount Due on
your SBI Credit Card from your bank account. In case you wish to change the payment amount from Total Amount Due
to Minimum Amount Due, SMS MAD to 5676791 from your Registered Mobile Number by {#var#} – SBI Card/TATA
Card.
purposes.”
Auto debit payment option change campaign from 4th Aug’22
Acknowledgment SMS:

Dear Cardholder, thank you for your response. Your request has been registered. We will update you via SMS once the payment
amount option has changed – SBI Card/TATA Card.
After receiving the request from customer there is an auto acknowledgment SMS send to customers and after the final change on
system SMS send to customers and cardone notepad will be update.

For payment option change: Final confirmation SMS

Dear Cardholder, further to your request, the amount deductible through Auto Debit for payment of the outstanding on your
credit card ending with **** has been changed from Total Amount Due to Minimum Amount Due on DD MMM ‘YY and will
be effective from the next billing cycle – SBI Card/TATA card.

Cardone notepad
purposes.”
Payment Modes- RuPay Debit Card, UPI- All
Banks and QR Code
purposes.”
RuPay Debit Card
About RuPay Debit Card:

Now pay your SBI Credit Card outstanding smoother, faster and hustle free using your RuPay sponsored Debit card.

Benefits:

RuPay Debit Card allows to pay your SBI Card bill online via any Bank RuPay Network in a secure way.
How to pay your SBI Credit Card outstanding using RuPay Debit Card

Step 1: Cardholder visits the Paynet channel on Website, Mobile App.
Step 2: Cardholder enters Card number and other relevant details including the amount he/she wish to make a payment
toward the outstanding dues and select the debit card option
Step 3: Cardholder is shown a drop down list of banks including RuPay Card
Step 4: Cardholder chooses the RuPay debit Card option to make a payment toward the dues & select on Pay now
Step 5: Page will redirect the cardholder on bank page wherein cardholder will enter the RuPay debit card details and
authorized the payment.
Step 6: Once payment is successful, same will get posted on cardholder’s card account and cardholder will get payment
confirmation SMS via SBICARD instantly.
purposes.”
Click on Pay
RuPay Debit Card
Click on PayNet Pay Online
Click on Pay through Paynet. Enter user ID and Password
purposes.”
RuPay Debit Card Enter Email address, SBI Card Number, Re-enter SBI Card Number, Mobile Number, payment amount.
Select Pay From.
Select Rupay Card Option
purposes.”
Enter Debit Card Number, Expiration Date, CVV, Cardholder Name. Click on Make Payment
RuPay Debit Card
Enter OTP. Click on Submit
purposes.”
RuPay Debit Card
Frequently Asked Questions
Q1. Can I pay my SBI Card bills using any debit card?
You can use RuPay sponsored debit cards to pay your SBI Card bills online.
Q2. How can I make my SBI Card outstanding payment using my Debit Card?
You can use your RuPay Debit Card to make your SBI Card outstanding payment by following simple steps-
Step 1: Cardholder visits the Paynet channel on Website or Mobile App.
Step 2: Cardholder enters Card number and other relevant details including the amount he/she wish to make a
payment toward the outstanding dues and select the debit card option
Step 3: Cardholder is shown a drop down list of banks including RuPay Card
Step 4: Cardholder chooses the RuPay debit Card option to make a payment toward the dues & select on Pay now
Step 5: Page will get redirect the cardholder to bank page wherein cardholder will enter the RuPay debit card details
and authorized the payment.
Step 6: Once payment is successful, same will get post on cardholder’s card account and cardholder will get payment
purposes.”
RuPay Debit Card
Q3. Will I get a confirmation on successful transaction?
Yes, once you make your payment, an acknowledgment is displayed on your screen showing the status of your
transaction.
In case of a successful transaction, you will see a message of “Success” on the screen. Otherwise, you will be shown
a “Failure” message. You will also find your transaction reference number in the message. Please note this number
and quote the same in case of any transaction related queries.
An email acknowledgement & SMS will be sent to your email ID & Mobile number , provided by you while making
the payment.
Q4. What should I do, if the credit card number I have entered is wrong?
Always cross-check all details before proceeding to the next step in the payment process. However, if you still make
the payment to a wrong credit card number, we request you to call our customer care center at the earliest.
You can call the SBI Card helpline at:
39 02 02 02 (prefix local STD code)
1860 180 1290
Q5. How long does it take for the payment to be credited to my SBI Card account?
Payment will reflect instantly on your SBI Credit Card account
purposes.”
UPI- All Banks & QR Code
About UPI- All Banks & QR Code:

Now pay your SBI Credit Card outstanding by scanning the QR code or Pay through any Bank UPI –VPA code

Benefits:

Enable fast, secure & hustle free payments by scanning the QR code or Pay through any Bank UPI –VPA code

How to pay your SBI Credit Card outstanding using UPI- All Banks & QR Code

Step 1: Cardholder visits the Paynet channel on Website, Mobile App.
Step 2: Cardholder enters Card number and other relevant details including the amount he/she wish to make a payment
toward the outstanding dues and select the UPI option for payment
Step 3: Page will redirect the cardholder on UPI page wherein cardholder would have two options
a) Enter VPA b) Scan QR code
Step 4: Cardholder will be asked to enter his/her VPA handle created or Scan the QR code using any UPI app.
Step 5: Cardholder authorizes the payment on his/her UPI APP.
Step 6: Confirmation is shown with relevant payment status.
Step 7: Once payment is successful, same will get posted on cardholder’s card account and cardholder will get payment
purposes.”
Click on Pay
Click on PayNet Pay Online
Click on Pay through Paynet. Enter user ID and Password
purposes.”
UPI Option
Enter Email address, SBI Card

Number, Re-enter SBI Card Number,
Mobile Number, payment amount.
Select UPI option in Pay From and
click on Pay Now
Enter VPA id and Click on Make payment
purposes.”
QR Code Option
Scan QR Code from PhonePe or PayTm app and make payment
purposes.”
Q1. What is UPI- All Banks & QR Code?

UPI- All Banks & QR Code is a payment solution that allows account holders of all banks make payments from their
smart phones by Scanning QR Code or by entering their debit bank’s Virtual Payment Address. No additional details
are required to be used other than the Virtual Payment Address.

Q2. What is a Virtual Payment Address (VPA)?

"Virtual Payment Address" is a virtual id that takes a form of uniqueid@sbi wherein “uniqueid” is a unique name that
you can choose for yourself.

Q3. What is a QR code?

QR code (abbreviated from Quick Response code) is a machine-readable optical label that contains information about
the item to which it is attached. QR code payment is a contactless payment method where payment is performed by
scanning a QR code from a mobile app.
Q4. Can a cardholder make the payment through non SBI account?
Yes, as the name suggests you can make the payment through Non SBI account using UPI- All Banks & QR Code. In
this case respective bank needs to be on UPI platform.
purposes.”

Q5. Can a cardholder make payment 24*7 through UPI- All Banks & QR Code?
Yes, UPI- All Banks & QR Code Payment processing is available 24*7.

Q6. If transaction got decline, whom I need to contact?
You need to contact your branch.

Q7. Payment was successful but not credited on the card account?
Cardholder needs to contact with SBI Card with payment details.

Q8. Can I pay credit card bill through other bank UPI app?
No, it is only available on SBICARD Paynet link page.

Q9. What is the UPI- All Banks & QR Code Payment TAT?
UPI- All Banks & QR Code payment is instant.

Q10. If cardholder has made the payment on the wrong SBI Credit Card. What should the cardholder do?
Cardholder needs to contact SBI Card to cure the payment on correct card.
purposes.”
Payment via UPI
purposes.”
BHIM SBI Pay
BHIM SBI Pay is a SBI App which enable instant payment to SBI Credit Card bill through UPI channel.
How to Register on BHIM SBI Pay App

Step 1: Download BHIM SBI Pay from Google Play store
Step 2: Install BHIM SBI Pay on your Android phone
Step 3: Set BHIM SBI Pay login account & register with your mobile number (linked to your bank account)
Step 4: Create VPA (Virtual Payment Address) of your choice using SBI handle: Ex: customer name@sbiLink
your bank account
Step 5: Set your UPI Pin
Step 6: Transact using BHIM SBI Pay by sharing only your Virtual Address.
How to pay SBI CARD bill:

Step 1: Click on Pay by VPA (Virtual Payment Address). It should be: Sbicard.16 digits of your credit card
no@SBI. e.g. Sbicard.4726420123456789@SBI)
Step 2: Insert amount which you wish to pay to SBI CARD and click on Go
Step 3: Please verify bank account MPIN and click on Submit
Note: Payment will be credited on credit card Instantly and an SMS will also be sent with available credit limit.
purposes.”
FAQs
1. What is SBI Pay?

Ans: “SBI Pay” (UPI App of SBI) is a payment solution that allows account holders of Banks participating in UPI to
send and receive money from their smart phones with a virtual payment address which is the identifier. No additional
details are required to be used other than the Virtual payment address.

2. What is a Virtual Payment Address (VPA)?
Ans. "Virtual Payment Address" is a virtual id that takes a form of uniqueid@sbi wherein “uniqueid” is a unique
name that you can choose for yourself. Our UPI app “SBI Pay” gives customers the option to create any number of
virtual addresses so that they can use the virtual address for making and receiving payments and transacting with
UPI integrated merchants.
3.Does a customer need to register before remitting funds using UPI in SBI Pay?
Ans: Yes, a customer need to register with his/her PSP before remitting funds using UPI and link his/her accounts.

4.Can a customer make the payment through non SBI account?
Ans. Yes, you can make the payment through Non SBI account using BHIM SBI Pay, in this case respective bank
needs to be on UPI platform.

5.Can a customer make the payment through BHIM SBI Pay 24*7?
Ans. No, BHIM SBI Payment processing is not available from 6PM to 11PM every day.
purposes.”
FAQs

6. If transaction got decline, whom I need to contact?
Ans. You need to contact your branch.

7. Payment was successful but not credited on the card?
Ans. Customer need to contact with us (SBI CARD) with payment details.

8. If customer tried to register on BHIM SBI Pay, but customer is getting the error that mobile number is
not registered? What should customer do?
Ans. Please visit your branch.

9. Can I pay credit card bill through other bank UPI app?
Ans. No, it is only available on BHIM SBI APP

10. How can customer can track his payment?
Ans. Login to BHIM SBI Pay app & navigate to transactions History from Menu.

11. What is the BHIM SBI Payment TAT?
Ans. BHIM SBI Payment is Instant.
purposes.”
FAQs

12. Is BHIM SBI App will work on all smart phone?
Ans. No, BHIM SBI app will work on only on Android smart phone.

13. If customer has made the payment on the wrong SBI Credit Card. What should customer do?
Ans. Customer need to contact SBI Card to cure the payment on correct card.

purposes.”
Pay with YONO
purposes.”
Pay with YONO
Opt for the convenience of paying your SBI Credit Card bill on go, through the YONO by SBI. YONO is an
initiative by SBI to bring all its joint venture’s customer through digital technology “YONO mobile app” and
“YONO website”.

Benefits

Banking simplified - Easy to understand interface, simple and intuitive navigation & Instant Payment Credit.

How to register on YONO?

Download YONO by SBI from Google play store
Install YONO by SBI through iOS App, Android App & SBI Online Portal
Customer may register with his online internet banking/debit card no
Customer will confirm the registration with OTP
Set your MPIN & Submit
purposes.”
How to link SBI Credit Card on YONO by SBI?

To link your SBI Credit Card on YONO, you need to have your registered mobile phone number.
Go to the Credit Card section of YONO and click on ‘Link SBI Credit CARD’
Enter the username & password you use to log onto sbicard.com
Click on send OTP and enter the OTP received on your registered mobile no.
You have successfully linked your SBI Credit Card(s) to the Lotus app.

How to make the payment through YONO by SBI

Login to YONO by SBI with MPIN or Login password.
Go to the Credit Card section in the Lotus App and click on the card you wish to make payment for on the
‘Account Overview’ screen & click on Pay Now
Select the SBI account you wish to make the payment from
Select the amount you wish to make the payment for. You can pay the entire outstanding amount, the Minimum
Amount Due or any other amount you wish to pay
Click on Pay Now

Please note: Payment will reflect instantly on your SBI Credit Card account
purposes.”
FAQs
Q 1 What is “YONO”?

Ans. - YONO is an initiative by SBI to bring all of its joint venture’s customer through digital technology “YONO
Mobile App” and “YONO website”. YONO stands for “You Only Need One”.

Using YONO App & website, customer can integrate all his products & servic from SBI bank account, SBI
Card, SBI Mutual Fund, SBI Life Insurance, SBI General Insurance, SBI Securities.

Q 2 Is it mandatory to have SBI bank account number to use YONO web & app?
Ans. Yes, A user must have SBI bank account number to use YONO Web/App. A user can login using ATM
card details as well, He needs to keep his registered mobile number with him as OTP would be sent on that
number.

Q3 Can a user who only have SBI Card but do not have SBI bank account use YONO?
Ans. No, you cannot use other bank account as well to pay SBI credit card bill.

Q4. Can a customer make the payment through YONO by SBI 24*7.
Ans. Yes.

Q5. If transaction got decline, whom I need to contact.
Ans. You can contact your branch for further details.
purposes.”
FAQs
Q6. Payment was successful but not posted on card?

Ans. Customer need to contact with us (SBI CARD) with payment details.

Q7. Having trouble while login YONO app or webpage.
Ans. Please contacts YONO by SBIsupport team.

Q8. What is the TAT for YONO payment?
Ans. YONO payment is Instant.

Q9. If customer has made the payment on wrong SBI Credit Card.
Ans. Customer need to contact SBI Card helpline for the payment on correct card.

purposes.”
Over the Counter (OTC)
purposes.”
Over the Counter (OTC)
Make payments over the counter at SBI branches across India and get an instant receipt.
How to pay using Over the Counter

•Step 1 : Visit your nearest State Bank of India branch.
•Step 2 : Fill the pay-in slip, available at the information desk with required details and submit it along with the payment
to the teller.
•Step 3 : Collect the acknowledgement receipt of payment from the teller.
Payment will reflect within 2 working days in your SBI credit card account.
For all the cash payments you make at SBI counters, you need to pay a charge of Rs. 250 along with the
applicable service tax. You can only deposit a cash amount of up to Rs. 49,999 per transaction.
You do not have to pay any charge for payments made through transfer or cheque, on the counter.
purposes.”
Visa Credit Card Pay
purposes.”
Visa Credit Card Pay
•Enjoy the convenience of transferring funds to any SBI Visa Credit Card 24/7, using the net banking facility provided by
your bank.
Benefits
•A quick and secure way to pay your bills.
How to pay your SBI Visa Card dues through Visa Credit Card Pay
•Step 1 : Log in to the net banking page of your bank with your user ID and password
•Step 2 : Go to the ‘Third Party Funds Transfer’ section and select ‘Visa Credit Card Pay’
•Step 3 : Fill in the sender and recipient details to initiate fund transfer.
•Step 4 : After entering the details, click on ‘Confirm’ transaction.
Once you confirm the transaction, the amount will be debited from your account and the payment will be scheduled to
your card.
Payment will reflect within 3 working days in your SBI Credit Card account.
purposes.”
Electronic Bill Payment (EBP)
purposes.”
Electronic Bill Payment (EBP)
You can conveniently pay your SBI Card dues online, using Electronic Bill Pay service.
You can avail this service through net banking, ATM, or mobile service of State Bank of India, Indian Overseas
Bank, Citibank and Bank of India.
Benefits
You have multiple channels to pay your SBI Card bill online via this EBP Service
How to pay using Electronic Bill Payment service.

•Step 1 : Log in to the net banking page of the aforementioned banks where you have a bank account.
•Step 2 : Add ‘SBI Card’ as a biller.
•Step 3 : Fill in the details about your card number and payment amount and make the payment.
Payment will reflect within 3 working days in your SBI Credit Card account.
purposes.”
SBI ATM Payment
purposes.”
SBI ATM Payment
Pay at any SBI ATM with your SBI Debit Card. This service is available at all SBI ATMs across India.
Benefits
•SBI ATMs are widely available. They are safe, secure and you can also collect an instant payment receipt.
How to pay using SBI ATM

•Step 1 : Walk into the nearest SBI ATM kiosk.
•Step 2 : Insert your debit card into the ATM machine and press the services tab to find the ‘Bill Pay’ option.
•Step 3 : Enter your SBI Credit Card number and the amount to be paid.
A payment acknowledgement receipt will be issued immediately after making the payment.
Payment will reflect within 2 working days in your SBI credit card account.
purposes.”
Cheque
purposes.”
Cheque -Manual drop box
Pay your SBI Credit Card outstanding through cheques. You can drop your cheques at any of the 500+ drop boxes across
India. Visit website to find the cheque drop box closest to you.
How to pay using Cheque -Manual drop box

•Step 1 : Please fill in the correct SBI Credit Card number on your cheque.
•Step 2 : Do not forget to mention your name and phone number on the back side of the cheque.
•Step 3 : Mention the payee name as ‘SBI Card No. XXXX XXXX XXXX XXXX’ (16-digits of your credit card number)
•Step 4 : Please check that the payment amount, date and signature is clearly mentioned on the cheque.
Payment will reflect within 4 working days in your SBI Credit Card account & credit limit will be released post
clearance of cheque.
Drop box clearance timings :
Monday – Friday : 12:00pm to 3:00 pm and Saturday : 10:00am to 12:30pm
purposes.”
Cheque -Manual drop box
Important Instructions
•Please do not drop cash or credit card in the drop box.
•Write the information on your cheque clearly; do not overwrite on the cheque.
•Please do not drop outstation cheques in the drop box.
•Please submit account payee cheques, following CTS 2010 standards for timely processing of your cheque
payment.
Fee of Rs.100+ taxes will be charged for payment towards your outstanding made by cheque. This fee is not
applicable for Senior citizens.
Visit SBI Card Website for manual drop box list.
purposes.”
Know Your Customer
purposes.”
Know Your Customer
• As per proverb prevention is better than cure, banks are required to initiate steps to prevent the money laundering at the first stage itself which
means do not accept funds the sources of which are not satisfactorily explained.
This can be done only if banks know the financial details of the customer. Banks have been always insisting on introduction of the customer.
But mere introduction will not enable the bank to avoid undesirable accounts.
• For this they have to adopt much stricter norms of customer identification. These norms are called Know Your Customer (KYC) guidelines. Under
this banks are required to know the actual identity of the customer and his/her/its financial background and the likely volume of transactions in the
account before accepting as a customer such that transaction can be monitored. KYC procedure is important both for deposit and loan transaction.
Key Elements of KYC Guidelines are
 Customer acceptance policy
 Customer identification procedures
 Monitoring of transaction
 Risk management
While banks should try not to inconvenience the customers in general, they are required to divide the customer into various risk categories and specify
criteria for each group for accepting them as customer.
purposes.”
Know Your Customer
• KYC Documents required at the time of credit card application can be bifurcated into two categories:
• Address Proof of the Applicant
• Identity Proof of the Applicant
Address Proof:
• Address proof of the applicant is a KYC document which has the applicant’s Current/ Permanent residence address. E.g. Proof of possession of Aadhaar
Number (Aadhaar Card with redacted first eight digits of Aadhaar number) , Passport, Driving License, Voter ID card issued by the Election
Commission of India etc. The address provided on the KYC should be of the applicant and must mandatorily match with the current residence address
provided on the application form .
Id Proof:
• Identity proof document helps us to identify the name and DOB on the KYC . These details will be cross checked with the details of the applicant
provided in the application form.
Aadhaar Card Sample Voter ID Sample

purposes.”
Break Time
purposes.”
Statement Related
purposes.”
Statement
The following are the three modes of credit card statements:
• E-Statement – On your registered e-mail ID. Password to open e-statement is DOB (DD-MM-YYYY) and last four digit of card
number
• Physical Statement – On your registered mailing address.
• Online statement - You can view and download your credit card statement online, by logging into sbicard.com. You can choose the 'e-
statement' option to get statement on your email ID. You can View / Print / Download your statements for the latest 24 months and/ or
from the date of registration, whichever is recent. Alternatively, you can Login to Chatbot ILA and ask query to view/ get SBI Card
Statement.
Physical Statement: Physical statements are dispatched and delivered within 10 calendar days from the date of generation of statement
via available delivery mode. I.e. Courier/ Postal. If you have not received your Monthly Credit Card Statement, then we request you to
check if the address provided by you is correct on our records. You can do so by logging on to sbicard.com Online and going to 'My
Profile' and then by clicking “Address” section. Please check the communication address registered with us.
Statement on Email: Statement on email will be delivered to your registered email id within 3 calendar days from the date of generation.
If you are not in receipt of your email statement, kindly verify your junk / spam folder as the email address from which the statement is
sent may have been identified as junk / spam by your email server. Gmail users please refer to Primary/Update/Promotion/ Social tab in
your mailbox. Also, please check if the email id provided by you is correct on our records. You can do so by logging onto sbicard.com
‘Your Profile' section and clicking on “Quick Contacts” on the left menu to check the email ID registered with us.
purposes.”
Statement Clarification-Page 1
Card Type
Customer Name
purposes.”
purposes.”
Important
communication
or changes are
available here on
the statement
purposes.”
purposes.”
Statement Clarification-page 2 (important information)
purposes.”
purposes.”
Statement Clarification-Page 3 (offers)
purposes.”
purposes.”
purposes.”
Statement Clarification-Page 4 (information on ILA)
purposes.”
Statement Clarification- Page 4 (information on
manage your utility bills and card usage)
purposes.”
Statement Clarification-Page 5 (Schedule of Charges)
purposes.”
purposes.”
purposes.”
Statement Clarification-Page 5 (order of payment
settlement)
purposes.”
Statement Clarification-Page 5 (Important Points)
purposes.”
purposes.”
purposes.”
purposes.”
purposes.”
Break Time
purposes.”
Self learning-S2S
purposes.”
S2S
purposes.”
Balance Transfer
purposes.”
Balance Transfer
SBI Card offers yet another interest saving option with 'Balance Transfer'. Transfer all your high-rate credit
card balances to SBI Card and save now! Enjoy the best deals on SBI Credit Card Balance Transfer:-
Balance Transfer amount requested by Primary SBI Cardholder would be processed subject to a minimum amount of Rs.
5000 and maximum BT amount should not exceed 75% of the available credit limit.
Also, subsequent BT can be booked on the same competition card within 60 days even if the previous BT has not been
zeroized if the above-mentioned conditions are met.
purposes.”
Balance Transfer
Transfer now and enjoy the following benefits:-
-Save on high interest rates of other credit cards
-Enjoy low rates on SBI Card
-Simplify balances into one convenient payment by transferring all other card balances to SBI Card
-Convenience with Fast Balance Transfer

-Balance Transfer amount booked via NEFT would be directly transferred to customer’s other bank credit card within 48 to
72hours (excluding Bank Holidays) of the request.
- Balance Transfer amount booked via Cheque - Just 3 working days with Visa Credit Card Pay for all other Visa Card
Cheque delivery within 3 working days (for Metro locations) and 5 days (for all other locations) for all other cards except Visa.
purposes.”
Balance Transfer
• For and on all subsequent purchases whether made in retail and/or cash and other outstanding balances, the applicable
finance charge of up to 3.5% per month (depending on card type) shall be levied.
• All such levying of applicable finance charge be made applicable from the date of purchase itself and shall accordingly cover
all card holders who may have BT amount in their card account.
• Furthermore, it is clarified that for and up to 50 days interest free period is not valid on any retail purchases or otherwise for
those cardholders who may have a BT amount in their account.
• In case the cardholder places a cancellation request within 45 days of the BT getting booked, then all fees and interest
charged will be reversed. The charges will not be reversed once cheque issued to the cardholder has been cleared and
resulted in a clear credit to the cardholder account. In case of a cancellation post 45 days the fees charged will not be
reversible and all such fees shall stand forfeited by the Cardholders.
• Cardholder intending to cancel Balance Transfer request booked via NEFT, can do so by calling our helpline number on the
same day of the booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel
Balance Transfer request or refuse to accept disbursement of funds any day after the day on which the request for Balance
Transfer has been made.
purposes.”
BT on EMI
SBI Card offers a new interest saving option with 'Balance Transfer' on Easy Monthly Installment. Transfer
all your high-rate credit card balances to SBI Card and convert in easy monthly installments at the
following tenures:-
purposes.”
BT on EMI
Transfer now and enjoy the following benefits:-
• Clear outstanding balance of other Credit Cards by paying easy monthly installments.
• Continue shopping even after you've opted for balance transfer.
• Choose from repayment options of 3 and 6 months.
• Benefit from fast Balance Transfer
• Balance Transfer amount booked via NEFT would be directly transferred to customer’s other bank credit card within
48 to 72hours (excluding Bank Holidays) of the request.
• Cheque within 3 working days (for Metro locations) or 5 working days (for all other locations) of the booking. Refer
next slide
• In case you wish to foreclose your BT on EMI Plan, a 3% foreclosure fee and applicable taxes will be levied on the
outstanding principal amount.
purposes.”
BT on EMI
• In case the cardholder selects cheque as payment mode for fund transfer and places request for cancelation of booking within
45 days of the BT on EMI getting booked, then all fees and interest charged will be reversed. Notwithstanding the above such
applicable fee and/or charges will not be reversed once cheque issued to the Cardholder has been cleared and resulted in a
clear credit to the Cardholder account.
• Further, in all cases cancellation post lapse of 45 days, the fees and other applicable charges, if any, as may be charged to the
SBI Cardholder will not be reversible and all such fees and/or charges shall stand forfeited.
• Cardholder intending to cancel Balance Transfer request booked via NEFT, can do so by calling our helpline number on the
same day of the booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel
Balance Transfer request or refuse to accept disbursement of funds any day after the day on which the request for Balance
Transfer has been made.
purposes.”
BT / BT on EMI
S2S Bookings to be done only VIA NEFT
With immediate effect, S2S bookings via Cheque and VMT payment modes will be stopped. It is Mandatory to book the
request ONLY through the Payment Mode NEFT.

Please Avoid Booking through Cheques/VMT. If any customer wants payment through cheque/VMT, then route the
customer to Website/Mobile App for self-help.

NEFT is a hassle-free fund transfer mode to a Customer’s Account. Post Customer Authentication of the Provided
beneficiary details which mitigates the Risk of entering incorrect beneficiary details and Fraudulent activities.
Process Names & Authenticate E-Payment Mode
Product Type Payment Mode
NEFT Cheque VMT
Encash P X X
Balance Transfer P X X
Balance Transfer On EMI P X X
Easy Money Draft P X X
Easy Money on EMI P X X
Encash Inline P X X
purposes.”
Easy Money
purposes.”
Easy Money (EMD) as a product has been
discontinued, starting May 25, 2022.

Request you to:
 Not pitch Easy Money product to customers
 Not take any Easy Money bookings
 Continue to provide service for existing Easy
Money bookings only
purposes.”
Enjoy the best credit card offers & deals on Easy Money:-
Avail Easy Money now and enjoy the following credit card benefits:-
- Hassle-free and fast money delivered at your doorstep in the form of NEFT/ cheque/draft.
- No need to withdraw cash from ATM and pay high rates incase of emergencies
-Save on high interest rates of loans
- Avail NEFT/a cheque for a minimum of Rs.5000 and maximum of up to 75% of your available cash limit.
Easy Money (EMD) as a product has been discontinued, starting May 25,
2022.
purposes.”
Enjoy the best credit card offers & deals on Easy Money:-
• Cardholder intending to cancel Easy Money request via NEFT can do so by calling our helpline number on the
same day, before 8 PM, of booking request and get the cancellation request raised.
• Easy Money booked via NEFT would be directly transferred to customer’s other bank credit card within 48 to 72
hours (excluding Bank Holidays) of the request.
• However, Cardholder shall not be entitled to cancel Easy Money request or refuse to accept disbursement of funds
any day after the day on which the request for Easy Money has been made.
• In case the cardholder places a cancellation request within 45 days of the Easy Money getting booked, then all fees
charged will be reversed.
• The charges will not be reversed once cheque issued to the cardholder has been cleared and resulted in a clear
credit to the cardholder account. In case of a cancellation post 45 days the fees charged will not be reversible
2022.
purposes.”
Easy Money Draft


NOTE
Basis the input from S2S team cheque option has been disabled for Encash & EMD booking.
2022.
purposes.”
Encash/Encash Inline
purposes.”
Encash
Pre-approved offer over and above your credit limit (Encash) or within your existing credit limit (Encash Inline)
Features:
- Pre-approved
- No documentation
- No post-dated cheque
- NEFT (48 hours)/.Get money credited directly in your bank account within 48 working hours with NEFT Facility
- Flexible repayment option of 12, 24 & 36 months (48 months). Tenure will be offered to cardholders basis their eligibility
- This Offer (both in case of over the existing limit or within the existing limit) is subject to a minimum request for an amount
for Encash and Encash Inline revised to Rs.25000 from Rs. 10,000.
Benefits
- Low rate of interest.
- Encash offer will be over and above your credit limit
- Encash Inline offer will be within your existing credit limit
- No documents, paper-work or post-dated cheques needed
purposes.”
Encash
Fees & Charges:

- Interest rate per annum as communicated in the credit card offer is applicable. Interest rate applicable on Encash facility ranges
from 12% – 24% p.a.
- A one-time processing fee and applicable taxes will be charged at the rate of 2% subject to a minimum of Rs.499 & maximum of
Rs.3000.
- In case you wish to foreclose your Encash Plan, a 3% foreclosure fee and applicable taxes will be levied on the outstanding
principal amount.
-In the event a cardholder puts a cancellation request by calling SBI Card helpline within 45 days of the Offer being booked, then
all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be
reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account.
-Also, in case the cancellation request is received at the SBI Card helpline post 45 days of booking, the processing fees charged
will not be reversed and the cardholder would be liable to pay same.
-Cardholder intending to cancel Encash request via NEFT can do so by calling our helpline number on the same day, before 8
PM, of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash
request or refuse to accept disbursement of funds any day after the day on which the request for Encash has been made.
purposes.”
Encash/ Encash Inline


NOTE
Basis the input from S2S team cheque option has been disabled for Encash & EMD booking.
purposes.”
Flexipay
purposes.”
Flexipay
Now make big purchases on your card and convert them to easy monthly installments
Features
- Any retail transaction of Rs. 500 or above can be converted to Flexipay but Minimum booking amount Rs. 2500
- Convert your transactions into Flexipay within 30 days of the purchase
- A one-time processing fee of 1%, upto a maximum of Rs. 2,000, will be levied
- Interest of 20% per annum, or as per applicable offer
- Tenure option of 3, 6, 9, 12, 18 & 24 months.
- Avail 36 months tenure, only for booking amount greater than or equal to Rs. 30,000
Benefits
- Pay in easy installments. Save on higher credit card interest rate.
purposes.”
Flexipay
- In case you wish to foreclose/cancel your Flexipay Plan, a 3% cancellation fee and applicable taxes will be levied on
the outstanding principal amount.
- The SBI Cardholder can make request for cancellation of Flexipay by calling the SBI Card helpline. On receipt of this
request, the outstanding Flexipay principal amount is moved back to SBI Cardholders retail balance and a cancellation
fee of 3% post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing
interest rate.
purposes.”
S2S VIA NEFT
Please note:
- NEFT will be default Payment option in all the below mention S2S booking.
Process Names: -
1. BT and BT ON EMI Booking.
2. Encash & Encash Inline Booking.
3. EMD & EMD On EMI Booking.
- VMT Payment mode has been restricted in both the process - BT and BT on EMI though CSA journey.
- Restriction on the S2S booking through Cheque & VMT across all the S2S from Help Line Channel.
- S2S booking via cheque will be restricted to limited users.
For Helpline requests:

- Cheque and VMT payment mode would get restricted and CSA would only be able to book S2S through NEFT.
- To handle the exception scenario @ helpline to book the S2S via Cheque - New role will be created & access will be done basis
exceptional approval.
For Digital Requests:

- Customer can book S2S through cheque/VMT from digital channel only, Option will be available at Website/ Mobile App/ILA channels.
For Silaris, ALLSEC and BOTs:

- The new role will be assigned to all the BOTs so that Cheque payment mode will be allowed for them.
- VMT option will not be available.
purposes.”
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purposes.”

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Day 2 T1 Content V3 September 2022

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WELCOME TO SBI

Payment modes/channels, YONO,BHIM, Auto - Digital payment

Introduction to S2S Products (Focus on Flexipay

Recap All topics 30 Discussion / Mock Calls

By the end of this session you will understand -

 Fees and Charges

Interest Free Credit Period Finance charges Minimum Amount Due

GST applicable on all Fees and Charges

Rs.100/- – Effective 1st September 2022,Statement Rs. 225

GST applicable on all Fees and Charges

Forex and Dynamic/Static Currency Conversion markup for international transaction

 International forex transaction refunds and DCC transaction refunds:

GST applicable on all Fees and Charges

NIL Rs.400 Rs.750 Rs.1300

Overdue Finance Charge will be discontinued effective 1st August 2022

• Before 1st August 2022 Overdue Finance Charges:

GST applicable on all Fees and Charges

Withdrawn from India: There will be 2

GST applicable on all Fees and Charges

Order of Payment Settlement

How to make payment-using NEFT?

How to make payment using Paynet?

Track Paynet Payment on sbicard website

Q1. What is PayNet?

Q1. What is PayNet?

How to pay using SBI card mobile App

How to pay using Online SBI

Pay your bills:

 Step 1 : Click on view/pay bills section and click on ‘Without Bills’.

How to pay using Debit Card

Q 1. What is National Automated Clearing House?

Q 2. How can the cardholder set up the NACH?

Step 3: Choose any one of the 3 options provided in the form:

How to enroll for SBI Auto Debit

Auto debit is now mandatory only for-

Campaign SMS: Triggered SMS

About RuPay Debit Card:

Click on Pay through Paynet. Enter user ID and Password

Select Rupay Card Option

Enter OTP. Click on Submit

About UPI- All Banks & QR Code:

Click on Pay through Paynet. Enter user ID and Password

Enter Email address, SBI Card

Enter VPA id and Click on Make payment

How to Register on BHIM SBI Pay App

How to pay SBI CARD bill:

1. What is SBI Pay?

Q6. Payment was successful but not posted on card?

How to pay using Over the Counter

How to pay using Electronic Bill Payment service.

How to pay using SBI ATM

How to pay using Cheque -Manual drop box

Drop box clearance timings :

Monday – Friday : 12:00pm to 3:00 pm and Saturday : 10:00am to 12:30pm

Visit SBI Card Website for manual drop box list.

Key Elements of KYC Guidelines are

 Customer acceptance policy

 Customer identification procedures

Aadhaar Card Sample Voter ID Sample

The following are the three modes of credit card statements:

-Save on high interest rates of other credit cards

-Enjoy low rates on SBI Card