SBI Credit Card Payment through UPI

Last Updated : May 2, 2025, 6:21 p.m.

The digital revolution in banking has transformed how we handle financial transactions, with the UPI (Unified Payments Interface) system now seamlessly connecting with credit card services to create a more efficient payment ecosystem. SBI credit cardholders can leverage this technological advancement to manage their card payments with unprecedented ease and flexibility. Whether you're a tech-savvy user or new to digital banking, this detailed guide covers all essential aspects of processing SBI credit card payment through UPI—from initial setup procedures to maximizing benefits and implementing smart payment strategies. Discover how this payment method can streamline your financial management while offering enhanced security and instant transaction processing.

Benefits of SBI Credit Card Payments through UPI

Instant Posting of Payments

One of the most significant advantages of using UPI for SBI credit card payments is the immediate posting of transactions. As soon as you complete a credit card payment , it gets shown in your credit card account immediately, allowing you to use your available credit limit without delays.

Enhanced Security

UPI transactions are secured with multiple layers of authentication, including a dedicated UPI PIN that’s separate from your credit card PIN. This multi-factor authentication ensures your financial information remains protected during transactions.

Convenience and Accessibility

The UPI payment method offers unparalleled convenience:

• Pay anytime, anywhere through your smartphone
• No need to remember complex account details
• Quick transaction completion with minimal steps
• Avoid the hassle of visiting branches or ATMs

No Additional Fees

There are no extra charges or fees applicable for linking or carrying out transactions from UPI on your SBI credit card, making it a cost-effective payment option.

Reward Points

When you make payments using your SBI RuPay credit card via UPI, you still earn reward points as per the existing product offering, subject to terms and conditions of your specific credit card.

Step-by-Step Process to SBI Credit Card Payments through UPI

Method 1: Using SBI Card Website or Mobile App

1. Select the Paynet payment mode available on SBI Card website or Mobile App or click on ‘PAY NOW’
2. Enter your 16-digit card number and relevant details including the amount you wish to pay toward the card outstanding
3. Select the UPI option for payment
4. On the UPI page, select one of two options:

• UPI: The UPI-enabled app will open on your mobile screen. Authorize the payment by entering your UPI PIN.
• QR code: Scan the QR code using your UPI app and authenticate the payment

Once payment is made, it will be posted on your card account instantly, and you’ll receive a payment confirmation SMS.

Method 2: Using BHIM SBI Pay

To use BHIM SBI Pay for credit card payments:

1. Download BHIM SBI Pay from Google Play store
2. Install and register with your mobile number (linked to your bank account)
3. Create a Virtual Payment Address (VPA) using the SBI handle (e.g., customername@sbi)
4. Link your bank account and set your UPI PIN
5. To pay your SBI Card bill:
   • Click on Pay by VPA (Virtual Payment Address). Use the format: Sbicard.16digitsofyourcreditcardno@SBI
   • Enter the amount you wish to pay
   • Verify with your MPIN and submit

Method 3: Through YONO SBI App

For SBI account holders using the YONO app:

1. Log in to your YONO account through the SBI app
2. Select ‘My Credit Cards’ and choose the credit card you want to make a payment for
3. Select the credit card details and click on ‘Pay Now’
4. Select your SBI account and complete the transaction.

Limitations and Considerations of SBI Credit Card Payments through UPI

Transaction Restrictions

Not all types of transactions are permitted when using SBI RuPay credit cards on UPI. The following categories are restricted:

• Person-to-person (P2P) transfers
• Card-to-card (C2C) transfers
• Peer-to-peer-to-merchant (P2P2M) transactions
• Digital account opening
• Lending platforms
• Cash withdrawals at merchants or ATMs
• Foreign inward remittances
• Mutual funds and IPOs

Transaction Limits

The daily transaction limit for RuPay Credit Cards on UPI is Rs. 5 Lakh (Rs. 1 Lakh for Small Offline Merchants). Additionally, for the first 24 hours after making your first transaction, the limit is Rs. 5,000 (including the first transaction). These limits are subject to the available credit limit on your card.

Card Compatibility

Currently, only RuPay Credit Cards can be linked on UPI. Visa, Mastercard, and Amex credit cards are not supported for UPI integration.

Tips for Maintaining a Good Credit Score While Using Credit Cards

Pay More Than the Minimum Due

While UPI simplifies the process of paying the minimum amount due, always aim to pay more or the full outstanding amount. Paying only the minimum due often can negatively impact your credit score over time.

Make Timely Payments

The convenience of UPI means you can make payments anytime, anywhere. Set reminders to ensure you never miss a payment deadline, as late payments are one of the biggest negative factors affecting credit scores.

Monitor Credit Utilization Ratio

Keep your credit utilization (the percentage of your credit limit that you’re using) below 30% for a healthy credit score. The instant posting feature of UPI payments can help you quickly free up your credit limit when needed.

Regularly Check Statements

With digital payments, it’s easier to keep track of your spending and statements. Monitor your credit card statements to find out if any transactions are unauthorized. This helps you to maintain awareness of your spending patterns.

Conclusion

SBI credit card payments through UPI represents a significant advancement in the way cardholders can manage their payments. The combination of instant posting, enhanced security, and convenience makes UPI an excellent choice for credit card payments. By understanding the process, limitations, and best practices outlined in this guide, you can optimize your credit card management while maintaining a healthy credit score. As digital payment systems continue to evolve, staying informed about the latest features and benefits ensures you can make the most of your SBI credit cards while keeping your financial management streamlined and efficient.