SBI Card

Q: What is the SBI Card Mobile App, and how does it help in managing credit cards?

A: The SBI Card Mobile App is a powerful and secure credit card management app designed to offer seamless access to your SBI Credit Card account. With over 10 million users, the app lets you view credit card statements, pay bills, track rewards, and access 100+ services such as EMI conversion, PIN reset, and credit limit management — all from your smartphone.

Q: How do I register on the SBI Card app for the first time?

A: To register on the SBI Card Mobile App, download the app from the Play Store or App Store. Open the app and enter your SBI Credit Card details. Complete mobile number verification through OTP, and set a secure login method using a password, MPIN, or biometric authentication. This ensures a quick and secure registration process for managing your credit card.

Q: What is the SBI Card refer and earn program?

A:The SBI Card refer and earn program is a rewarding way to invite your friends or family members to get an SBI Credit Card using your referral. When they apply through your invite and successfully get a card, both of you receive ₹500 Amazon vouchers. You can access this program easily through the SBI Card Mobile App, making it a simple way to earn by sharing something genuinely useful.

Q: How do I refer someone using the SBI Card Mobile App?

A:Referring someone via the SBI Card app is easy and quick. Just log in, go to the “Refer & Earn” section, and you’ll see three options:

• Enter your friend’s name, mobile number, and email, and SBI will send them a referral link.

• Send your invite via WhatsApp, Email, Facebook, or SMS.

• Copy your SBI Card referral code and share it directly.

Your friend needs to apply using this referral link or code for you to earn rewards.

Q: Where do I find my SBI Card referral code?

A:Once you log in to the SBI Card Mobile App, navigate to the "Refer & Earn" section. Your unique referral code will be displayed there. This code is linked to your account and must be used by your friend at the time of applying to ensure you both get rewarded.

Q: How much can I earn through SBI Card’s refer and earn program?

A:You earn ₹500 Amazon voucher per referral, and can refer up to 50 people per calendar year. That means you have the potential to earn a total of ₹25,000 annually just by sharing your code or invite from the SBI Card Mobile App with people who might need a credit card.

Q: What does my friend get if I refer them?

A:Your friend, also called the “referee,” will receive a ₹500 Amazon voucher too — once they make their first successful transaction of ₹500 or more within 90 days of receiving their SBI Credit Card. So, it’s truly a win-win for both when you refer through the SBI Card app.

Q: What are the ways I can share my referral?

A:The SBI Card app offers you multiple easy options to share your referral:

• Directly enter your friend’s contact details to send them an automated invite.

• Share via WhatsApp, Facebook, Twitter, SMS, or email.

• Copy and manually share your unique referral code with anyone interested.

These flexible options help you invite people the way you’re most comfortable with.

Q: When will I receive my ₹500 reward?

A:Once your friend’s SBI Credit Card is approved and they make a successful purchase of ₹500 or more, you will receive your ₹500 Amazon voucher within 60 days of their card issuance. You’ll be notified via SMS or email, and you can also track it in the SBI Card app.

Q: Is there any eligibility condition to receive the referral reward?

A:Yes, there are a few basic eligibility conditions:

• The person you refer must apply through your referral link or code.

• They must be a new SBI Credit Card customer.

• They must make a ₹500+ purchase within 90 days of card activation.

Only then will both the referrer and referee receive the ₹500 reward.

Q: Can I refer more than one friend?

A:Absolutely! The SBI Card refer and earn program is designed to let you share the benefit with many people. You can refer up to 50 people per year, and earn ₹500 per successful referral — which adds up to a potential ₹25,000 in Amazon vouchers.

Q: What happens if my referral is not approved?

A:If your referred friend’s SBI Credit Card application is not approved, or they don’t transact within 90 days of activation, then unfortunately, the reward will not be processed. The program only rewards successful and eligible applications, as per SBI Card app tracking.

Q: How can I track the status of my referrals?

A:To track your referrals:

• Open the SBI Card Mobile App.

• Go to the “Refer & Earn” section.

• You’ll see a detailed dashboard showing how many people you’ve referred, how many have applied, and which vouchers you’ve earned.

This helps you stay updated and track your referral journey in real time.

Q: Can I refer someone who already has an SBI Credit Card?

A:No. The refer and earn offer is only valid for new SBI Card customers. If someone already holds an SBI Credit Card, referring them won’t make you eligible for the voucher. The program is focused on acquiring new users through your recommendation.

Q: Do I need to take any action after referring?

A:Once you refer someone through the SBI Card app, you don’t need to do anything else. Just wait for their card to be issued and for them to make a transaction. You’ll be notified about your reward via the app or SMS once it’s processed.

Q: What should my friend do to ensure I get my reward?

A:Your friend must:

• Apply using your referral link or code.

• Get approved for a credit card.

• Spend ₹500 or more within 90 days of activation.

Following these steps will ensure you both receive your ₹500 Amazon vouchers through the SBI Card Mobile App referral system.

Q: What if I have an issue or don’t get my voucher?

A:If your reward is delayed or not received, you can:

• Use the support chat in the SBI Card app.

• Call SBI Card customer care.

• Or send an email to the support team.

Make sure to provide your referral details so they can investigate and assist you quickly.

Q: What are the main features available in the SBI Card Mobile App?

A: The SBI Card app provides various essential features including:

• View and download monthly statements

• Pay credit card bills using UPI, debit card, or net banking

• Convert spends to EMIs instantly

• Track unbilled and billed transactions

• Access Spend Analyzer to monitor usage

• Manage your credit card limit and settings

This makes the SBI Card app a one-stop solution for digital credit card management.

Q: Can I pay my SBI Credit Card bill directly through the SBI Card Mobile App?

A: Yes, the SBI Card Mobile App allows you to pay your SBI Credit Card bill directly using multiple payment options such as UPI, debit card, or internet banking. You can choose to pay either the Total Amount Due or the Minimum Amount Due based on your preference.

Q: How can I view my SBI Credit Card statement on the app?

A: You can view or download your monthly credit card statement in just a few clicks on the SBI Card Mobile App. Go to the "Account Summary" section and select "Statements." You can also view detailed transaction history, payment records, and unbilled transactions easily from the same section.

Q: Is it possible to convert a purchase into EMI using the SBI Card app?

A: Yes, the SBI Card Mobile App allows you to convert eligible purchases into flexible EMIs. Just go to the “EMI” section, choose the transaction you wish to convert, select the EMI plan, and confirm. It helps you manage large expenses by breaking them into affordable monthly payments.

Q: Can I block or reissue my SBI Credit Card using the app?

A: Absolutely. If your SBI Credit Card is lost, stolen, or damaged, you can raise a request to block or reissue it through the SBI Card Mobile App. Go to "Manage Card" and follow the simple steps to raise a request without needing to visit a branch.

Q: How do I manage card usage settings for domestic and international transactions?

A: Using the SBI Card Mobile App, you can control and customize transaction preferences by:

• Enabling or disabling domestic/international transactions

• Setting transaction limits for online, POS, ATM, and contactless payments

• Managing usage limits for SBI Card Pay, Samsung Pay, and other tokenized services

This offers full control over your card’s usage and enhances security.

Q: Can I apply for a new SBI Credit Card through the app?

A: Yes, the SBI Card Mobile App lets you apply for a wide range of credit cards based on your needs, including travel cards, cashback cards, and shopping cards. You can get instant approval with minimal documentation. Explore benefits like lounge access, welcome bonuses, reward points, and more.

Q: Is it possible to manage UPI transactions on the SBI Card app?

A: Yes, you can manage your UPI transaction settings through the SBI Card Mobile App. This includes setting transaction limits and preferences for using your SBI Credit Card via UPI-linked platforms, offering more flexibility and control over digital payments.

Q: How secure is the SBI Card Mobile App for transactions and personal data?

A: The SBI Card Mobile App ensures high security through:

• Mobile number verification via OTP

• Multi-layered login options including MPIN, password, and biometric authentication

• Secure encryption for all transactions

It’s a trusted platform for over 1 crore users who manage their SBI Credit Card accounts safely every day.

Q: Can I update my contact details using the SBI Card Mobile App?

A: Yes, the app allows you to manage your profile details such as your email ID, mobile number, and residential address. Simply go to “My Profile” section and update the relevant information after OTP verification to ensure your communication preferences are up to date.

Q: What additional services are available on the SBI Card Mobile App?

A: Apart from standard features, you can also:

• Transfer balances from non-SBI cards

• Shop vouchers through the e-store

• Pay utility bills like electricity, mobile recharge, and insurance

• Book travel services or personalized gifts

These features make the SBI Card app more than just a credit card management tool.

Q: Can I raise a request for a credit limit increase through the app?

A: Yes, the SBI Card Mobile App allows eligible users to raise a request for a credit limit increase in just a few steps. Go to "Manage Card" > "Request Credit Limit Increase," enter the required information, and submit. The request will be reviewed as per SBI Card’s internal policies.

Q: Why should I use the SBI Card Mobile App over other methods?

A: The SBI Card app provides convenience, speed, and full control over your credit card usage from anywhere. It eliminates the need to call customer service or visit a branch. With 100+ services in one app, it’s ideal for users looking for efficient and safe credit card account management.