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About SBI Credit Card Statement
The SBI credit card statement is an official document that contains a few components and terms, such as payment due date, transaction history, billing cycle, and more. Some of the common terms that are used in the SBI Credit Card statement are:
Billing Cycle: The billing cycle or statement period is the tenure for which the payment of the card has to be made.
Payment Due Date: It is the deadline by which the outstanding amount should be paid to the bank. Payments made after this date accrue late payment charges.
Total Amount Due: This is the total amount including all the transactions and charges that are outstanding as on the statement date. It includes new purchases, opening balance, balance transfer, and other charges.
Minimum Amount Due: It is the minimum amount that you have to pay to SBI on or before the due date to prevent any charges.
Closing Balance: It is the total balance or amount that is outstanding on your card that you will have to pay if you plan to pay off the entire debt.
Current Outstanding Balance: It is the total amount of the money that you have to pay to the bank before the payment due date.
Transaction Summary: It is the summary of all the transactions made using your credit card within the duration of the statement.
Generally, the minimum amount due is computed as 5% of the total amount due. The minimum amount due includes all the charges levied on your credit card. Here is an example to help you understand how the minimum amount due is computed.
For instance: You have made a purchase of Rs. 30,000 on August 15 and the due date is September 26. Then, the minimum amount due will be Rs. 1500 (5% of Rs. 30,000).
You can verify your SBI credit card statement online by logging into your credit card account and downloading the SBI card mobile app. Apart from this, you can also use the chatbot, using which you can get your credit card statement within a few minutes. Here is a way to download your credit card statement online.
Step 1: Go to the official website of SBI card.
Step 2: Log in to your SBI card account by keying the registered login ID and password.
Step 3: You will see the ‘My Account’ option on the left side of the home screen. Click on it and click on ‘Card Statement’ from the drop-down menu.
Step 4: Now, you can view your SBI credit card statement. You can find the total amount outstanding and the date on which it should be paid along with the detailed expenses.
Step 1: Go to the official website of SBI Card.
Step 2: Click on the ‘Ask ILA’ option at the bottom right corner of the screen.
Step 3: Login using your current SBI card user ID and password.
Step 4: Click on ‘Statement’ from the given options, and the live assistant will help you to view your credit card statement and all other card related information.
Step 1: First, download the SBI card app from the app store or play store.
Step 2: Login by entering your user ID and password or touch ID or MPIN.
Step 3: From the main menu, click on the ‘My Account’ option.
Step 4: Click on ‘Account Details’ and then click on ‘Card Statement’.
Step 5: Click on the ‘View Statement’ option and opt for your preferred time duration.
If you want to get your SBI credit card monthly statement offline, you can do so through the following ways:
1. Obtain The SBI Credit Card Statement Via SMS
2. Get SBI Credit Card Statement Via The Customer Care
3. Get SBI Credit Card Statement Through Post
4. Get An SBI Credit Card Statement by Going To the Nearest Bank Branch
Here are some of the key benefits that you get by checking your SBI card statement regularly.
Managing Errors In Your SBI Credit Card Statement
1. How can I view the credit card statement of SBI?
The SBI credit card statement is free of charge. Firstly, login to www.sbicard.com using the user ID and password. Post this, click on “View Statement” at the center. Select the statement date of the required month from the list of archived statements. Click on “Download”.
2. What is the statement due amount in the SBI credit card?
The minimum amount due on your SBI credit card is 5% of the total amount due. However, if there is any previous balance from a previous statement that has been carried forward, it would also be included in the minimum amount due.
3. What is a billing cycle in a credit card?
A credit card billing cycle is the time duration between billing statements. The length of your billing cycle varies across issuers and it may range from 27 to 31 days. Your statement is compiled by your credit card issuer and you have until your due date to make the payment.
4. How do you opt for the SBI credit card E-Statement?
First, contact the customer care number and inform the representative that you want to switch to e-statement. SMS ESR to 5676791 or ESTMT XXXX to 567691. Go to the official website and click on ‘Ask ILA’. To subscribe to the e-statement, login using your online account user ID and password. Dispatch an email to the bank stating that you want to switch to e-statements.
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