SBI Credit Card Payment through ATM

Last Updated : May 3, 2025, 1:07 p.m.

Making timely payments on your credit cards is crucial for maintaining a healthy financial profile and preserving your CIBIL score . Among the various payment methods available to SBI credit card users, ATM payments stand out as one of the most convenient offline options. This comprehensive guide explores everything you need to know about SBI credit card payment through ATM facilities across India.

Understanding SBI Credit Card Payments through ATM

SBI credit card holders who prefer physical transaction methods or might not have immediate access to online payment facilities have a convenient option to pay via ATM. This service is exclusively available at SBI ATMs nationwide, making it accessible to millions of customers across urban and rural India.

Benefits of SBI Credit Card Payments through ATM

Using an SBI ATM for your credit card payments provides several advantages:

1. Wide Accessibility : With thousands of SBI ATMs distributed across India, you’re likely to find one nearby, making payments convenient regardless of your location.
2. Instant Acknowledgment : After completing your payment, the ATM immediately issues a payment receipt, providing proof of transaction.
3. Security : ATM transactions are conducted in a secure environment, protecting your financial information.
4. No Internet Required : Unlike online payment methods, ATM payments don’t require internet connectivity, making them ideal for areas with poor network coverage.
5. Simple Process : The payment process is straightforward and user-friendly, requiring minimal technical knowledge.

Step-by-Step Guide for SBI Credit Card Payments through ATM

Making SBI credit card payments through an ATM is a simple process that can be completed in just a few minutes. Follow these steps for a hassle-free payment experience:

1. Locate an SBI ATM

The first step is to find the nearest SBI ATM. This service is exclusively available at SBI ATMs and cannot be accessed at ATMs operated by other banks.

2. Insert Your SBI Debit Card

Insert your SBI debit card into the ATM machine and enter your PIN when prompted. Ensure you’re using an SBI debit card, as cards from other banks won’t support this service.

3. Navigate to Bill Pay Option

After accessing the main menu, press the ‘Services’ tab and look for the ‘Bill Pay’ option. This section contains various bill payment services offered by SBI.

4. Enter Credit Card Details

When prompted, key in your 16-digit SBI credit card number carefully. Verify the number carefully once again after entering to avoid paying to an incorrect account.

5. Specify Payment Amount

Enter the amount you desire to pay to clear your SBI credit card bill. You can choose to pay the minimum amount due, the total outstanding amount, or any value in between.

6. Confirm Transaction Details

Review the payment details shown on the screen, including the credit card number and payment amount, before confirming the transaction.

7. Collect Receipt

Once the payment is processed, the ATM will issue a receipt. Always collect and retain this receipt as proof of payment until the amount reflects in your credit card account.

Processing Time and Important Considerations

When making SBI credit card payments through an ATM, it’s important to note that the payment typically reflects in your SBI credit card account within 2 working days. This processing time differs from online payment methods, which often provide instant credit.

Comparing Processing Times Across Payment Methods

Impact on CIBIL Score and Credit Rating

Timely payment of credit card bills is essential for maintaining a good CIBIL score. While SBI credit card payments through ATM take two business days to reflect, it’s advisable to make payments well before the due date to avoid any negative impact on your credit score.

A good credit score not only helps in future loan and credit card approvals but also affects the interest rates and credit limits offered to you. Consistent on-time payments through any channel, including ATMs, contribute positively to your creditworthiness.

Alternative Payment Methods for SBI Credit Cards

While ATM payments offer convenience for many users, SBI provides numerous other payment options to suit different preferences:

Online Payment Methods

1. SBI Credit Card Website : Log in to the official website and use the ‘Pay Now’ option
2. Paynet-Pay Facility : Quick payments via net banking, debit card, or UPI
3. SBI Mobile Banking App : Convenient payments through your smartphone
4. UPI Payments : Instant transfers using UPI apps
5. NEFT Transfer : Payments through your bank’s internet banking portal
6. YONO App : SBI’s comprehensive digital banking platform

Other Offline Payment Methods

1. Over the Counter (OTC) : Visit any SBI branch to make payments directly
2. Cheque Payment : Drop payment cheques in designated drop boxes
3. Auto Debit Facility : Automatic payments from your linked SBI account.

Troubleshooting SBI Credit Card Payments through ATM

In spite of the straightforward process, users encounter issues now and then when making SBI credit card payments through ATMs. Here are solutions to common problems:

Transaction Failure

If your transaction fails, check if sufficient funds are available in your account. If funds are adequate, the issue might be temporary. Try again later or use an alternative payment option.

Payment Not Reflecting

If your payment doesn’t reflect in your credit card account after 2 working days, contact SBI Card customer care with your transaction receipt details for assistance.

Incorrect Card Number Entry

In case you enter an incorrect card number, the payment might go to another valid card account. Contact SBI Card customer care immediately if this happens.

Conclusion

SBI credit card payments through ATM provide a reliable offline payment option for cardholders across India. With extensive ATM coverage, instant receipt generation, and a straightforward process, it serves as an excellent alternative to online payment methods, especially for those who prefer physical transactions or have limited internet access.

While the two-day processing time is longer than instant online methods, proper planning ensures timely payments and helps maintain a healthy credit profile. Remember to keep your payment receipts until the transaction reflects in your account and consider making payments well before the due date to avoid any late payment penalties.

By understanding and utilizing this payment method effectively, you can ensure hassle-free management of your SBI credit card payments while maintaining a positive credit history.