SBI Cards and Payment Services Limited (SBICPSL), a joint venture between State Bank of India (SBI) and The Carlyle Group, is one Indian credit card issuer and financial service provider company.
SBI Card offers various types of credit cards, such as lifestyle cards, reward/cashback cards, shopping cards, travel and fuel cards, banking partnership cards, and business/corporate cards. Other financial products of the company are personal loans, insurance products, and investment products.
| Notice - Be alert! Don't share the financial or banking details and don't share OTP to customer care executive. Protect yourself from Frauds and Scams. Report to Cyber Crime Bureau or Call 1930 as soon as possible to protect your earnings and others. |
Have complaints about the SBI Card? If so, file a complaint with the customer service representative, SBI branch manager, or designated staff of SBI Card. If not resolved, you can escalate your complaint to the Nodal Officer of the Grievance Redressal Cell.
Report the issues related to:
- SBI Card Privileges: Issues with premium privileges including cashback, discounts, EMI offers, reward points, fuel surcharge waiver, and lounge access through the SBI credit card.
- Charges & Fees: Disputes of credit card bills, service charges, AMC, hidden charges in billing statements, or other payment or SBI Card bill problems.
- Payments: Complaints related to online credit card services such as paying credit card bills, utility bill payments, and balance transfers through the SBI Card or Yono app including unauthorized transactions & frauds.
- Performance and Quality: Concerns of performance and quality of SBI Card services, including customer support service, billing disputes, and technical issues.
- Credit Cards: Complaints about issuance or maintenance of various SBI credit cards including cashback cards for groceries, fuel, and travel; travel cards for airport lounge access and travel insurance; reward cards for travel, merchandise, and statement credits; and co-branded & corporate cards.
- Financial Products: Issues related to other financial products offered by SBI, including personal loans for debt consolidation, home, and medical expenses; insurance products such as life/health/travel insurance; and investment products like mutual funds and fixed deposits.
- Customer Support: Complaints about the behaviour of customer service or branch staff, leading to unresolved customer queries and concerns.
Not resolved to your satisfaction? Take a step further. Escalate your grievance to the Principal Nodal Officer at SBI Card. Finally, escalate the matter to the Customer Service Head of SBI Cards and Payment Services Ltd.
How to File a Complaint of SBI Card?
According to the grievance redressal policy of the SBI Card, the complaint resolution mechanism is divided into 4 levels. Initially, raise your concerns through the toll-free helpline number, email, or by filing an online complaint to report any concerns related to your credit card and payments.
Grievance Redressal Mechanism:
| Registration Fee | No Charges (₹0) |
| Resolution Period | Up to 30 days (Read the grievance redressal policy of the SBI Card) |
| Refund Period | Within 7 business days (read the refund and compensation policy) |
Levels of complaint escalation:
- Level 1: Customer Care, SBI Card
- Toll-free customer service number
- Email or WhatsApp
- Register a complaint online
- SBI Card App
- Level 2: Escalate to the Nodal Officer
- Level 3: Principal Nodal Officer, SBI Card
- Level 4: Escalate the unresolved complaint to the Customer Service (CS) Head at SBI Cards and Payment Services Limited.
Still, dissatisfied or not resolved by SBI Card within 30 days? You can file a complaint against SBI Card with the Banking Ombudsman at the Reserve Bank of India. Alternatively, you can initiate arbitration to settle the dispute with the Internal Ombudsman of SBI.
Level 1: Customer Care, SBI Card
At the initial stage, if you encounter problems with your credit card, contact the SBI Card customer care through the toll-free number, send an email, message on WhatsApp, or file an online complaint.
Additionally, consider writing a formal complaint letter addressed to your local branch manager.
Provide the following details:
- Nature of the complaint
- Description of the issue with facts such as specific incidents, dates, and any relevant transactions of the credit card.
- Details of unauthorized transactions (if any) such as transaction dates, amounts, and any other relevant information for investigation.
- Any supporting documents such as screenshots, billing invoices, or other evidence.
After successful submission, Please note down the received interaction ID/acknowledgement number to track the status and escalate the unresolved complaints to higher authorities.
SBI Card Customer Care Number
Details of SBI Credit Card Customer Helpline Numbers:
| SBI Card Complaint Number | 18601801290, 18605001290 |
| Customer Care Number | +912239020202 |
| customercare@sbicard.com | |
| SBI Credit Card Helpline Number (Miss-Sell/ Harassment) | +918039356050 |
Report Lost Card: Call the SBI Customer Care Number at, email to lostcard@sbicard.com or SMS BLOCK XXXX to 5676791 from your registered mobile number (XXXX = Last 4 digits of your SBI Card) or log in using internet banking.
Important: To contact the regional offices, you may call the SBI Card helpline number +91-(STD Code)-39020202, using the “STD Code” of your area.
File a Complaint Online
Official details to register your complaint online with SBI Card:
| Complain online to SBI Card | File a complaint |
| Non-SBI Card Holder | Send an email (sbicard.com) |
| customercare@sbicard.com | |
| Email (corporate cards) | sbicorporate.services@sbicard.com |
Tip: Beware of scams, don’t share bank/personal details; use only the official SBI Card/Yono SBI app for help. Stay safe!
Other SBI Card Helplines:
- For credit card disputes/ unauthorized transactions, send an email to chargeback@sbicard.com.
- For Miss-Sell/ Harassment related complaints, call at +918039356050 or email at salesgrievance@sbicard.com.
- To close an SBI Card account, email closurerequest@sbicard.com.
Please note: If you have disputes related to the violation of consumer rights by SBI Card, Register a complaint to the National Consumer Helpline (NCH) of the Department of Consumer Affairs (MoCA).
Level 2: Nodal Officer, Grievance Redressal Cell
If you are dissatisfied with the response from SBI Card’s customer care at level 1 or the submitted complaint is not resolved within 7 days, then escalate the complaint to the Nodal Officer of Grievance Redressal Cell with the required details.
With the interaction ID number of the previous complaint of level 1, escalate the grievance Nodal Officer at:
- Helpline Number: 18601807777
- Email: nodalofficer@sbicard.com (with interaction ID)
- Escalate the complaint online to Nodal Officer: Click to escalate (sbicard.com)
Level 3: Principal Nodal Officer, SBI Card
According to the grievance redressal mechanism, if you have previously lodged complaints with the Nodal Officer at level 2 that are not resolved to your satisfaction within 7 days, escalate the grievance to the appointed Principal Nodal Officer (PNO) at SBI Cards and Payment Services Limited.
Within the grievance letter, ensure to provide the following details:
- Interaction ID or reference number of the earlier unresolved complaint
- Reason for dissatisfaction and expected relief
- Attachment of supporting documents such as screenshots, invoices, transaction details, bill statements, etc.
1. Principal Nodal Officer
Escalate the disputed matter by sending a complaint letter to the Principal Nodal Officer (PNO) at SBI Card:
| Designation | Principal Nodal Officer, SBI Card |
| Phone number | 18601807777 |
| PrincipalNodalOfficer@sbicard.com | |
| Address | Principal Nodal Officer – SBI Cards & Payment Services Limited, DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002 (Haryana). |
2. Customer Service Head, SBICPSL
If your complaint remains unresolved even after complaining to the Principal Nodal Officer at level 3, then escalate the grievance to the Customer Service (CS) Head at SBI Cards & Payment Services Ltd.
- Send an email to the CS Head of SBI Card at customerservicehead@sbicard.com with the previous interaction ID or reference number.
Still, not resolved to your satisfaction by SBI Card? Approach the respective regulatory authorities.
Regulatory Authorities
1. Banking Ombudsman, RBI:
If the submitted complaints with SBI Card are not resolved within 30 days or dissatisfied with the final resolution, you can file a banking complaint online with the Banking Ombudsman of the Reserve Bank of India.
Click: File a complaint to the Banking Ombudsman, RBI
Be sure to provide all dispute details and references, including the Service Request (SR) or interaction number, along with any relevant documents and evidence to support your case.
Alternatively, you may start an arbitration with the Internal Ombudsman of SBI Cards & Payment Services Limited.
2. Directorate of Public Grievance (DoPG):
- DPG: If you have complaints about the administration of the State Bank of India or SBI Card such as corruption, threats, or misuse of powers, lodge a grievance against SBI to the Directorate of Public Grievances (DPG), Government of India.
3. Other Regulatory Authorities for Financial Disputes:
- IRDAI: In case of disputes related to insurance matters, you can file a complaint with the Insurance Ombudsman, Insurance Regulatory and Development Authority of India (IRDAI).
- Consumer Commission (CDRC): If you are seeking compensation due to a violation of consumer rights, you can appeal to the Consumer Disputes Redressal Commission (NCDRC) – Consumer Forum for resolution.
4. Legal Action:
Dissatisfied even after receiving final orders from appellate authorities? You may take legal advice from a legal expert. After this, take legal action by approaching judicial bodies or relevant tribunals, such as the Securities Appellate Tribunal, for further review and resolution of your financial dispute.
