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1) Over utilization on your SBI Credit Card
In case you have exhausted the credit limit assigned on your card, your card may be blocked for further usage.
How to unblock your card
To unblock your card kindly make an immediate payment on your SBI Credit Card to bring your balance below your assigned credit limit.
To know your available limit, SMS AVAIL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To know your total outstanding, SMS BAL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To make payment, pleaseCLICK HERE
For more information callourhelpline.
2) Irregular payments : First payment default
In case you have missed making payment of at least minimum amount due as of latest statement on your SBI Credit Card, your card may be blocked for further usage.
How to unblock your card
Kindly make an immediate payment of total outstanding balance/Total amount due (TAD) /Minimum amount due (MAD) as of latest statement on your SBI Credit Card account to get your card unblocked.
To know your TAD/MAD, SMS BAL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To know the status of your last payment, SMS PAYMENT XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To make payment, pleaseCLICK HEREImpact on bureau score: Please note that delayed payments and non-payments may negatively affect your credit history. As a result your credit score may go down and may reduce your future chances to get credit. We request you to make regular payments to maintain good credit history and enjoy uninterrupted services on your SBI Card.
For more information callourhelpline
3) Irregular payments : Up-to 3 consecutive payments default
In case you are not regular in making payments of your monthly dues despite repeated reminders, credit facility on your card may be temporarily withdrawn.
How to unblock your card
Kindly make an immediate payment of total outstanding balance/Total amount due (TAD) /Minimum amount due (MAD) as of latest statement on your SBI Credit Card account to get your card unblocked.
To know your TAD/MAD, SMS BAL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To know the status of your last payment, SMS PAYMENT XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To make payment, pleaseCLICK HEREImpact on bureau score: Please note that delayed payments and non-payments may negatively affect your credit history. As a result your credit score may go down and may reduce your future chances to get credit. We request you to make regular payments to maintain good credit history and enjoy uninterrupted services on your SBI Card.
For more information callour helpline.
4) Irregular payments : 4-6 consecutive payments default
In case you are not regular in making payments of your monthly dues despite repeated reminders, credit facility on your card may be permanently withdrawn.
How to unblock your card
- Kindly make an immediate payment of total outstanding due on your SBI Credit Card account.
- Post making the payment please call our helpline to register your request for account re-activation. Your case will be reviewed by us and we may consider your case for re-activation depending on your past credit performance.
To know your total outstanding SMS BAL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791.
To make payment pleaseCLICK HEREImpact on bureau score: Please note that delayed payments and non-payments may negatively affect your credit history. As a result your credit score may go down and may reduce your future chances to get credit. We request you to make regular payments to maintain good credit history and enjoy uninterrupted services on your SBI Card.
For more information callourhelpline.5) Written-off accounts : More than 6 consecutive payments default
In case your SBI Card account has been written-off, credit facility on your card will be permanently withdrawn and cannot be re-activated. However you can apply afresh for ourUnnati Card, in case you fulfill the following eligibility criteria:
- You should pay the complete outstanding balance on your SBI Card
- You should be an account holder of State Bank of India
- You should have a term deposit account with the bank, which will be kept under SBI Card’s lien during the tenure of credit card.
Please visit SBI Card website or nearest State Bank of India branch for further details in this regard.
To know more about Unnati Card, pleaseCLICK HERECIBIL status clean up if account is written-off:
In case your account is written-off and you pay complete outstanding as per the agreement, we will process your request for CIBIL status clean-up which may increase your future chances to get credit. Please note that the process may take 45-60 days post realization of funds.CIBIL status clean up if account is settled:
In case your account is settled, please call us to know the process and the amount payable for CIBIL status clean up. Once you pay the amount, we will process your request for CIBIL status clean-up which may increase your future chances to get credit. Please note that the process may take 45-60 days post realization of funds.6) Suspicious activity
SBI Card is committed to protect you from any suspicious or fraudulent transaction.If we observe any suspicious activity on your card, we may proactively block your card to protect you from further misuse of your card.
In case you have received any transaction alert for the transaction not done by you, immediately block your card. To block your card SMS BLOCK XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791 or call our helpline 18601801290/39020202 (prefix local STD code).How to unblock your card
Pleasecall our helpline.
7) Non-receipt of KYC documents
As per Reserve Bank of India mandate, it is required for all credit card customers to comply with ’Know Your Customer (KYC)’ norms and provide requisite information and documentation periodically. In case you fail to do so, your card may be temporarily deactivated for usage.
To re-activate your card account, please submit your KYC document(s) through DigiLocker in a few simple steps as given below:
- Step 1 - Visit https://sbicard.com/kycupload
- Step 2 - Enter your login credentials
- Step 3 - Select the credit card due for KYC renewal
- Step 4 - Upload your recent passport-size photograph
- Step 5 - Select DigiLocker for KYC submission and follow the instructions displayed on the screen
- Step 6 - Submit the request
8) Permanent closure of account
On receiving your request to close SBI Credit Card account, credit facility on your card will be permanently withdrawn and your card will be blocked for further usage.
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