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Spending on a credit card seems an easy affair. The problem comes in when you have to chalk out exactly where all your expenses went. This is the time you refer to your monthly statement. Let us guide you through the ways you could get a credit card statement delivered to your email id or address.
How Do I Register For SBI Credit Card Statement?
You can register to get your credit card e-statement on your email ID. Follow the steps to understand the process of registering for a credit card statement.
- Registration For SBI Credit Card Statement via Post
You can write to SBI at the address given below for getting registered for e-statements.
- Manager- Customer Services
SBI Cards & Payment Services Pvt.Ltd.
DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon, Haryana, India – 122002
2. Registration For SBI Credit Card Statement via Customer Care
Another way of registering for SBI credit card e-statements is by contacting the SBI customer care. The customer care number is 1860-180-1290 which is toll-free or you could dial 39-02-02-02 with your local STD code. The customer care executives are available from Monday to Saturday between 8 AM to 8 PM.
3. Registration For SBI Credit Card Statement via SMS
You can send an SMS to SBI in the format ‘ESR’ or ‘ESTMT XXXX’ (XXXX are the last four digits of your credit card number) to 5676791. You will successfully register for credit card e-statements.
4. Registration For SBI Credit Card Statement via Chatbot ELA
You can also register for SBI credit card statements by logging into chatbot ELA with your internet banking user ID and password to subscribe for e-statements via email.
How Can I Download SBI Credit Card Statement?
You can log in to internet banking account and click on My Account > Card Statements to view, print or download your credit card e-statement. You can also log in to Chatbot ELA and ask to view or download the e-statement.
How Can I Obtain a Duplicate SBI Credit Card Statement?
SBI allows you to apply for a duplicate SBI credit card statement through four methods.
- Apply For Duplicate SBI Credit Card Statement via Chatbot ELA
- Log in to Chatbot ELA using your SBI Online Card credentials.
- Type in your query ‘How can I get a duplicate statement?’
- Select the required month for which you need a duplicate statement.
- Apply For Duplicate SBI Credit Card Statement via Mobile Banking
- Log in to mobile banking with your credentials.
- Click on Menu Tab > Service Request > More > Duplicate Statement.
- Select the required month for which you need a duplicate statement.
- Apply For Duplicate SBI Credit Card Statement via SMS
SMS SBI Bank in the format ‘DSTMT XXXX MM’ where ‘XXXX’ is the last four digits of your credit card number and ‘MM’ is the month for which you require the duplicate statement. You will receive the duplicate statement within 3 calendar days on your email ID. It takes 10 calendar days to receive the physical statements.
What Are The Benefits of SBI Bank Credit Card Statement?
Here are some benefits of opting for SBI bank credit card statement.
- You are able to access your e-statement on your phone or desktop without any hassle
- The e-statement file sent to you is password protected making sure that your information is safe
- SBI Bank issues your credit card statements without levying any charges
- You can download and save your credit card statements if you wish to maintain a record of all statements offline
- Online statements are environment-friendly
Common Terminology Used for Credit Cards
Payment Due Date
The term payment due date means the date before which the credit card bill payment has to be made to the bank. If the payment is not made before the due date, some charges might be levied upon you as a penalty.
Minimum Amount Due
The term minimum amount due means the minimum amount that needs to be paid before the payment due date. Timely payment of your credit card bills has a positive impact on your credit history. A late fee might be levied on you if you are not able to pay this amount
Total Amount Due
Total amount due is the total amount that you owe to the bank after spending from your credit card. This amount has to be paid back to the bank before the due date.
The term closing balance means the total amount remaining on your card by the end of each statement period.
The billing cycle is the period between two billing statements. A billing cycle could be weekly, monthly or yearly in frequency.
Transaction Summary gives you a summary of your spendings on various things. This summary gives you a quick insight into your spendings.
Rewards points are the points that you have accumulated over time. You can also view the validity of reward points.
Credit card Limit is the total amount extended to you by your credit card issuer. You cannot spend beyond the credit limit set by the bank.
Available Credit Limit
The available credit limit is the total balance amount remaining on your credit card in the given statement cycle. This is the amount that you can spend in the current cycle.
Available Cash Limit
The available cash limit is the amount of cash that you can withdraw from an ATM in the current statement cycle of your credit card.
How Do I Correct An Error In Credit Card Statement?
If you notice any mistakes or errors in your credit card statement, you need to get it rectified to be able to pay off your credit card bills. Here is how you can rectify the error in your statement.
- You can contact the merchant to discuss the transaction dispute. If you still aren’t satisfied with the results, you can submit a dispute form to the SBI Bank within 30 days from the date of the transaction.
- You can visit the Forms Central page and download the ‘Transaction Dispute Form’ (TDF). The dispute form can be emailed to SBI Bank on email@example.com.
- You can keep documents like cancellation receipt, payment bills, refund message, etc. that are mentioned in the TDF form for specific disputes. A written acknowledgment will be sent to you by SBI Bank.
The resolution process might take 40-65 days. SBI Bank will intimate you of the outcome of the transaction dispute.
Frequently Asked Questions (FAQs)
How can I know the billing date of my credit card?
You can view your billing date by logging into internet banking account by using your credentials. Click on Credit Card > Last Billed Date.
Can I change my billing cycle?
If you want to change your billing cycle, you can write to SBI Bank by visiting the SBI write to us page and email them your query. You can also call SBI customer care to change your billing cycle via call. Dial 1800-180-1290 which is a toll-free customer care number or you could dial 39-02-02-02 with your local STD code.
How can I know my credit card payment due date?
SBI sends you a monthly update of your payment due date through SMS and monthly statements. You can also view your due date by logging into internet banking account by using your credentials. Click on Credit Card > Payment Due Date.
I haven’t received my monthly statement via email, what should I do?
You will receive your monthly credit card statement via email within three calendar days. If you still haven’t received it, you should check your spam or junk mail as the settings in your mail may block it or tag it as spam. You can also verify your email ID and check if it is correct by logging into your internet banking account. Click on ‘Quick Contacts’ to verify your email ID.
I haven’t received the hard copy of my monthly statement, what should I do?
You will receive your monthly credit card statement via courier or post within 10 calendar days. If you still haven’t received it, you should verify the address provided by you to the bank and check if it is correct by logging into the internet banking account. Click on My Profile > Address to check your address. You can contact the SBI customer care if there is a change in your address.
Does SBI Bank charge any fee for a duplicate statement?
No, SBI Bank doesn’t charge any fee if you are downloading the duplicate statement. A fee is charged for requesting a hard copy of more than two months period. The fee levied is INR 100 and the tax charges per statement.
Should I pursue the merchant as well as the SBI Bank for my transaction dispute?
SBI Bank ensures end-to-end resolution but you can contact the merchant if you want to.
When should I fill the progressive dispute form?
If you are not convinced with the proofs submitted by the merchant, you can fill the progressive dispute form.
What will happen to the disputed amount debited/credited from my account?
Based on the dispute raised by you, a temporary credit might be made to your account to nullify the effect of the disputed amount on your total outstanding. This temporary credit might be reversed or made permanent depending on the outcome of the investigation.