SBI Card for Android

Companion app for SBI Card users

SBI Card is a free finance application for mobile devices developed by SBI Cards and Payments Services Limited. It's the official companion app for the credit card provider of the same name. It caters to new and current account holders for viewing their billing statements and managing payments.

Joining other platforms, such as PNB ONE and PhonePe, SBI Card is a service that caters directly to the financial needs of Indian users. It boasts a quick and simple registration process, as well as a clean and intuitive user interface that makes it easy for users to access and manage their accounts.

Credit-based payments

SBI Card is an online platform providing credit card payment solutions in India. What makes it stand out from the rest is it offers you up to five percent cashback on online purchases—the highest from any service in the country yet. You can also scan to pay with its various merchant partners via QR codes, with a still respectable one percent return for offline transactions.

Given its partnerships, this app is able to offer exclusive deals and discounts on all kinds of products and services, and it even extends to traveling when booking through the E-Store. When making big purchases, the platform helps lessen the impact of payments with flexible installments via Flexipay, letting you choose when and how you want to pay back outstanding balances that fits your financial capacity.

You can also get the cash in advance if needed, and there are two ways to do so. The first is with encashment and the second is having it transferred to the bank account of your choice. There are some things that need some attention, though. The first is that there's no easy way to view amounts due. The second is that installment payments often get delayed.

Could be better

All in all, SBI Card is a good credit card provider that can be ideal for beginners and even long-time users of such payment methods. It offers generous cashback rates, has plenty of exclusive deals, and allows for flexible installment payments. The latter can be a rather tedious process and need to be addressed, but it's a solid option all the same.