# SBI Card: Manage Credit Card — user reviews > 45 indexed App Store user reviews of SBI Card by SBI Cards and Payment Services Limited, rated 4.30/5 from 249 ratings. - Source: https://appshunter.io/ios/app/sbi-card-manage-credit-card/id694549848/reviews - App overview in markdown: https://appshunter.io/ios/app/sbi-card-manage-credit-card/id694549848.md - Rating breakdown: 5★ 177 · 4★ 32 · 3★ 6 · 2★ 7 · 1★ 27 ## Newest reviews (14 of 45) ### 2/5 — Critical Flaw: Due Amount does not update after payment! *2026-02-24* The app is generally smooth, but there is a major design flaw that traps customers into paying interest. When I make a partial payment, the "Total Amount Due" does not update to show the remaining balance. It keeps showing the original full amount. Because of this, I have to manually calculate what is left. Recently, I paid 98.7% of my bill but miscalculated the tiny remaining balance because the app didn't show the updated figure. As a result, I was hit with huge finance charges for a small error. Suggestion: Please update the system to show a "Remaining Due" or "Balance to Pay" field immediately after a payment is made. Until then, many users will fall into this trap. **Developer response:** Hi, we refer to your communication and will look into this on urgent basis. Kindly share the brief summary of the issue on the following link: https://bit.ly/3P4BpHr with reference number 862350. Alternatively, you may also message us the details on our official Facebook page: https://www.facebook.com/sbicard/. ### 2/5 — Not able to login into the application because of SIM based authentication *2025-12-29* I am currently facing an issue logging into the SBI Credit Card application on my iPhone while I am in the United States. During login, the app asks to send an automated SMS for verification to Indian mobile number. The SMS is successfully delivered to the India number, but the verification process in the app does not get completed, and I am unable to log in. This makes it very difficult to access my credit card account from outside India. I request the SBI Card team to please provide a solution or an alternative way to complete SMS verification from the US (such as OTP, email verification, or international login support). This would be very helpful for NRI customers. Kindly look into this issue and improve the app experience for users accessing it from abroad. **Developer response:** Hi, kindly share the brief summary of the issue on the following link: https://bit.ly/3P4BpHr with reference number (810480). Alternatively, you may also message us the details on our official Facebook page: https://www.facebook.com/sbicard/. We will look into it at the earliest. ### 4/5 — Well designed app *2025-02-27* After the suffering I’ve had at the hands of the SBI Yono app, this app is very good. It’s smooth, less hassles and doesn’t so working for no reason. I’m satisfied with this app and recommend it to everyone. **Developer response:** Hi Kumarbri, thank you for your review! We will be continuously working on improving our products & services to delight our customers. ### 2/5 — PRIVACY BREACHING APP *2024-03-10* Immediately on downloading, realised that it is useless for me! The app would not let me use it without Location permission and I’m not giving it. There are so many banking and finance App which I have been using for years, but this kind of forced permissions are unseen. Does SBI wish to tell it’s customers that RBI has made some different rules for them or the developers are double crossing the incompetent management of SBI by data mining for others? Useless for me and am sure there would be many like me. SBI Card needs to wake up. Update after Developer Response: The stereotyped response was anticipated and already questioned in my original post! Quote that ‘Regulatory Provision’ which has been made ONLY for SBI Cards & no other banking and finance App. Not Convinced 👎🏻 **Developer response:** Dear Customer, location access is required to check and alert you in case your SBI Card app is being used on an open/unsecured network. This is required as per the regulatory guidelines. We regret the inconvenience caused and request you to write to us at sbicard.com/email. We will respond at the earliest ### 1/5 — Why in the world is location permission mandatory?! *2024-01-23* I’ve been using the SBI Card for quite sometime now, and it was working well. However, the latest update to Version 7.4.7 has made it so I’m unable to even log in to the app without giving it location permission, for the reason of the app “protect against unsecured Wi-Fi connections”. There is no option to cancel the said “suggestion” from the app and continue. It just doesn’t log in if you cancel the same, and only allows you to continue to log in after you’ve given it location permission by going to settings. This is just not done! Developer, I hope this is a mistake and would be rectified at the earliest. There is no reason location permission should be mandatory for the functional aspect of the app! And please don’t tell me it is a regulatory requirement when it most definitely is NOT! There is absolutely no such requirement from the regulators; and if your response still contains reference to the same, it makes it extremely clear that you do not even read the entire review before you respond! And if you do read the entire review, kindly quote the regulatory circular number including the section, subsection and date of circular for all to see! **Developer response:** Dear Customer, location access is required to check and alert you in case your SBI Card app is being used on an open/unsecured network. This is required as per the regulatory guidelines. We regret the inconvenience caused and request you to write to us at sbicard.com/email. We will respond at the earliest. ### 3/5 — Layout is bad and customer unfriendly *2024-01-22* Layout was changed and finding one required is difficult. If I want to write a mail after login I have to exit to find mail in first page. If Face ID is enabled one has to do circus to stop login and press mail icon. Once icon is pressed it asks for login and so I don’t find any reason to keep this icon in ore login page. So working on this new layout is cumbersome and unfriendly. The SBI server is very bad and often getting error message can’t be connected to server try afterwards. It used to be seamless to work on previous platform but not this. I tried to do BT on emi, it goes through the process, I got confirmation mail with emi schedule but next day the amount is returned to SBI card account and reason is unknown. Then I did BT with EMI calling to call centre but result is same, no transfer. In this process I missed deadline of other credit card and heavy finance charges for late payment too. Finally it’s a bad experience on new app layout. Needs urgent upgrade. **Developer response:** Dear Customer, you can write a mail post login by clicking on "Connect with Us" icon present at the end of the Homescreen under "Explore our Services" section. ### 1/5 — Shame on this management *2023-09-28* It has been more than 6 months I have been following with this team to update my phone number but this management care nothing about its customers. They are asking me to send fresh copy of my documents every time. They are not accepting the photo copy I don’t know how to take the photo copy… they are coping and pasting same emails to me every time.. I have been crying with them this is how the photo copy machine is giving me still they are not finding other way to help me but still sending same copy paste emails…. Emailed their nodal officer their team is more useless. My issue is I have lost my registered phone numbers now I am not able to login my online account and app also there is no way to call their ass@@l customer service team. Due to this issue first time ever I missed my card payment and got a big hit on my credit score and they charged me late fee.. Shame on you madarch@@@d sbi management the way you have made my life hell **Developer response:** Dear Customer, regret the inconvenience caused. Please specify the issue along with your details at sbicard.com/email. We shall work on resolving the concern at the earliest. ### 1/5 — Not compatable *2023-05-31* I am using Samsung and it says this app is not compatible. **Developer response:** We regret the inconvenience caused. Please re-install the app and try again. If the issue continues, kindly write to us at sbicard.com/mail and we will resolve this at the earliest. ### 1/5 — Face id in Iphone 11 not working *2023-04-10* Suddenly face id stopped working in Iphone 11 and even after uninstalling and reinstalling it is doesn’t work. Is there any bug in current update?? This was working fine till last week. **Developer response:** Thank you for highlighting the issue. There was an intermittent issue which has been fixed. Request you to update your App to the latest version and try again. ### 1/5 — Issue with new app *2023-04-08* The app does work anymore. It doesn’t login. I’ve deleted and installed fresh but still it’s not going ahead. **Developer response:** Thank you for highlighting the issue. There was an intermittent issue which has been fixed. Request you to try again now. ### 1/5 — Worst customer service *2023-03-06, version 7.3.20* Customer care number not working 18001801290 ### 1/5 — Pathetic banking experience *2023-02-23* I have been customer for SBI card for 4 years now, I got the card promising few perks and cash back vouchers. And with an annual fee of 3.5k+ INR. I never got the promised perks, it is impossible to reach to customer care. Last December I raised card closure request 8 times before the annual fee is applicable, every time they cancelled closure request and finally in January they charged 4.6k INR for annual card renewal fee. I wonder where did I go wrong and how SBI is able to keep customer engaged. I am still trying to close all the relations with SBI as of today. **Developer response:** Dear Customer, we regret the inconvenience caused. We would like to learn more about the particular issue. Please write to us at sbicard.com/email or use "Mailbox" on SBI Card Mobile App with a brief summary around the issue. ### 1/5 — Card Number *2023-02-09* Even if i enter the exact correct number of my Credit card, it says “incorrect” How am i supposed to fix this? **Developer response:** Thank you for highlighting the issue. Request you to try again after reinstalling the app from the App Store. ### 1/5 — Worst Credit Service -Fraud *2022-11-12* My available credit limit was available but it always declines my transaction. Morever it blocked me saying suspicious activitydetected. Even worse is its customer support service. Customer care person always tells me your card is unblocked and now you can use it but eventually they are lying because transaction always gets declined. When I tried to click verify now in SBl card App, it shows no cards available. SBI credit card and SBl card App are worst in there category. If there was minus star rating, I would have even given that. Sad for SBI credit service. I will soon discontinue the SBI Credit card and won't apply again ever. I appeal to everyone if they are planning to use SBI Credit card, please don't do it, Instead go for other bank's credit card. **Developer response:** Dear Customer, we regret the inconvenience caused. We would like to learn more about the particular issue. Please write to us at sbicard.com/email or use "Mailbox" on SBI Card Mobile App with a brief summary around the issue. ## Most critical reviews (10 lowest-rated) ### 1/5 — Confused and Useless Company *2025-10-16* I applied for an sbi card last month, it is still not delivered. When contacted customer service they are telling me that i refused to accept the delivery of card meanwhile no one ever contacted me. They have already generated a bill for a card which i have never received and activated. Even if i want to pay a bill i need the card numbers which i dont have. After few days a delivery person called me from a wrong address and i said that is not my address and he took it back again! I have given my address multiple times via email as well so that they can deliver it to correct address which is same as KYC. Now the team is asking me to update the address from this app without even having a single piece of card’s information. How do i even sign up without anything? How do i update address without signup? How do pay bill without card details? Why should i even pay without receiving and activating the card? ### 1/5 — Defaultly faulty banking system *2024-12-21* I have been following up with the customer care for more than 3weeks now still my issues are yet to be resolved, all they do is say it will be done in 48 hours nothing more. SBI doesn’t care about its customers anymore, they are all about making money now. SBI credit card always amaze me with their new ways of charging money from its customers, they charge for no reason even if your every bill is paid on time still they charge you with bill not cleared penalty even when their system is under maintenance. They charge you more money even when all your EMIs are cleared and after multiple follow-up still the results are zero. Seriously I request everyone to not to avail these services because the customer care is of no use all they do is waste your time and energy. It’s been 3 weeks my issues are unresolved I have been following up but they haven’t processed it yet. **Developer response:** Dear Radha, we regret to hear about your experience. Please share with us your registered contact number on the following link: https://bit.ly/3P4BpHr with reference number (524211). Alternatively, you may also message us the details on our official Facebook page: https://www.facebook.com/sbicard/ ### 1/5 — Worst employee Misba shaik (field executive) *2024-11-26* As I am customer of sbi from a very long time, I had my credit card bill due , and miss misba shaik called me for the payment and I asked her for time since I was going through financial crisis and requested her for time till 26th of the same month 2024. And today she called me for the payment nd I told her with all due respect will make it by end of the day and she was like okay. At 6 o clock she again texted me on what’s app for the payment and I told her I am on the process and will make it in 5 mins and then she started saying Are you done , did you make the payment which I felt like torture and I told her I have taken time can you please wait till I make it . Then she started talking about my personal like I don’t have money that’s the reason I am doing like this, and I told her you can’t talk to me like this you can ask me to make the payment I will you cannot order me to do the same and she told me she will pray to god that I will lose my job and you don’t have job that’s the reason you are not making the payment on time and many other things which humiliated me and also she asked me not to make the payment. I feel being a employee of the particular bank they have standards to maintain and they don’t have any rights to speak to customers this way. I would request sbi management to take necessary action and I have all the chat proof of how your employee spoke to me who doesn’t even know proper English and the one who doesn’t have respect towards customer. **Developer response:** Hi, we regret the inconvenience caused. Kindly share your concern along with the details on the following link: https://bit.ly/3P4BpHr with reference number ( 511885 ) Alternatively, you may also message us the details on our official Facebook page: https://www.facebook.com/sbicard/. We will look into it at the earliest. ### 1/5 — Sim text verification issues *2024-06-07* Please remove sim text based verification for credit card login **Developer response:** Dear Customer, Sim card verification is introduced for secure and safe login to the App. ### 1/5 — No help if you are locked out *2024-06-03* The contact numbers in the app dont work sometimes. If they work its nearly impossible to get someone to talk to **Developer response:** Apologies for the inconvenience caused. We value your relationship with SBI Card. In case of non-connectivity or long hold time on our helpline no. please reach us using Mailbox feature on the SBI Card app or write to us at customercare@sbicard.com. You may also use the self service channels like ila.sbicard.com or WhatsApp Connect (9004 022022). ### 1/5 — Remove sim card verification *2024-04-27* Please remove sim card verification to login. **Developer response:** Dear Customer, Sim card verification is introduced for secure and safe login. ### 1/5 — Remove SMS verification *2024-04-14* NRI accounts can’t do SMS verification due to SIM card. Provide a alternate way to login ### 1/5 — App not working *2024-03-09* It’s been a month since the app stopped working. It’s giving the message, Resource access restricted for user. I’ve tried to uninstall & reinstall it but it still doesn’t work. **Developer response:** Thank you for highlighting the issue. There was an intermittent issue which has been fixed. Request you to try again. ### 1/5 — App with lots of Bugs and needs proper testing *2024-02-12* Entire SBI CARD APP AND SOFTWARE IS FULL OF BUGS and REQUIRES PROPER TESTING. IT DOES NOT EVEN CHECK FOR CONSUMER STATUS BEFORE PROCESSING ANY REQUEST. EX. if i have to convert EMI of total DUE amount, it directly process that and levied all charges for that ,later customer care person who is totally illiterate about system tells us your bill was generated and you are auto debit customer so all amount will get debited irrespective of what system done already. Means No one knows what will happen. System must have checked wether auto debit is active for this customer before taking and processing request. Needs to fix all bugs also needs recruit educated and qualified persons for customer support as this is banking institution not mobile company customer care. Not even single star for this app/software .but there is no option for zero star **Developer response:** Dear Customer, regret the inconvenience caused. Please specify the issue along with your details at sbicard.com/email. We shall work on resolving the concern at the earliest. ### 1/5 — Fraud company *2024-02-06* Update: SBI card developer gives standard response about “regulatory guidelines” without specifying source and specific reference. Clearly shows illegal activity of tracking and violating individual privacy. They do not have the courage to name which regulatory authority and what guidelines. Fraudulently blocking customers from accessing their card info on the app without granting them GPS location. Multiple feedbacks have not resulted in clear sharing of the government guideline which necessitates this. When ICICI and other banks do not ask for it, either they are violating government guideline or SBI cards are. Request everyone using SBI cards to immediately delete their app and rate them 1 star across all platforms. Only when were customers stand together and with each other, can we take on the frivolous and illegal whims and fancies of such companies. 🙏🏻 **Developer response:** Dear Customer, location access is required to check and alert you in case your SBI Card app is being used on an open/unsecured network. This is required as per the regulatory guidelines. We regret the inconvenience caused and request you to write to us at sbicard.com/email. We will respond at the earliest ## Most praised reviews (10 highest-rated) ### 5/5 — Excellent Card Service *2026-02-21* Great Benefits **Developer response:** Hi , We really appreciate your positive feedback and are happy to have been of assistance. Thank you for your continued patronage! ### 5/5 — Need improvements *2025-10-06* Filter the customer and provide service accordingly, I have been using the card since 9 years, I lost card and requested new one still not received the card and asking me confirm in I’ve option so I called customer care and informed block and issue new one that’s it. Again calling and asking questions like fraud call. Same way hdfc c card issued in 2 days and am using it l. Also I got confirmation stating I will get call after charging 7 rupees for customer service call. Still not received. So check and do due diligence and improve service. **Developer response:** Hi Mattyshiv, we refer to your communication and will look into this on an urgent basis. Please write to us at customercare@sbicard.com with a brief summary of the issue. We will resolve the issue at the earliest. ### 5/5 — Extremely user friendly *2025-09-22* I’ve been using this card for around 2 years now. I’ve never felt more safe (touchwood) with a credit card before. I had stopped using credit cards 15-20 years ago. But because of some requirements I had to again keep one, so I thought to get one from SBI. It’s a breeze to switch on and switch off between your purchases, set limits etc. I am sure other companies also must be providing the same or maybe more features, but the gut feeling of safety and the user friendly interface this card has, makes me feel at ease and gives me peace of mind. Cheers to safe and secure card usage. **Developer response:** Hi , Thank you! We're glad to hear you feel this way. Feedback like this helps us serve you better. ### 5/5 — Great card Great service *2024-02-18* I have been a customer for quite some time now, and I must say that I am thoroughly impressed with the user-friendly interface of your credit card services. The online portal and mobile app make it incredibly easy for me to manage my account, track transactions, and pay my bills hassle-free. The interface is intuitive, responsive, and offers a seamless experience overall. Moreover, I find that the benefits and rewards associated with SBI credit cards are among the most attractive in the market. From cashback offers to reward points on purchases, the perks make using the card even more rewarding. Additionally, the variety of card options available cater to different needs and preferences, ensuring that there is something for everyone. Overall, I am highly satisfied with my experience as an SBI credit card holder. Your commitment to providing exceptional service and value to your customers is evident, and it is greatly appreciated. Thank you for consistently delivering an outstanding credit card experience. With love Anzar Saeed **Developer response:** Thank you for the review! ### 5/5 — SBI card app *2023-12-25* Excellent UI, great features where any user can access it. Fast loading experience. Super simplified. **Developer response:** Thank you for the review. ### 5/5 — SBI card app *2023-10-25* Excellent UI, great features where any user can access it. Fast loading experience. Super simplified. **Developer response:** Thank you for the review! ### 5/5 — GreatApp *2021-03-10* Very friendly app n easy to use. Works well. **Developer response:** Thank you for the review! ### 5/5 — User friendly application with easy payments *2020-12-07* User friendly interface with easy payments. Love it. **Developer response:** Thank you for the review! ### 5/5 — One of best app *2020-09-14* Actually sbi card is very good **Developer response:** Thank you for the review! ### 5/5 — A complete DIY App *2020-07-30* Convenient app to view, pay, transact for the SBI Credit Card. One can do almost everything required to manage Card account. **Developer response:** Thank you for the review! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*