SBI Card Customer Care: Credit Card Complaint Number, Email and Grievance Redressal Steps (2026)
News
by
Wisor
A charge you don't recognise on your SBI credit card. A reversal that never came, a closure request that's going nowhere, or recovery calls you shouldn't be getting. You've called SBI Card customer care, and you're still waiting.
Here's the good news: SBI Card has a clear escalation path, with a named email address at every level, and above it sits the RBI Ombudsman. One thing to know first: SBI Card is run by SBI Cards and Payment Services Ltd, a separate company from State Bank of India. Credit card complaints go to SBI Card, not to an SBI branch.
SBI Card customer care: quick contacts
What you need | Contact |
|---|---|
SBI Card customer care | 1860 180 1290, 1860 500 1290, or 1800 180 1290 (toll-free) |
City number | 39 02 02 02 (add your local STD code) |
SBI credit card complaint email ID | customercare@sbicard.com |
Escalation helpline | 1860-180-7777 |
Customer Service Head | CustomerServiceHead@sbicard.com |
Nodal Officer | Nodalofficer@sbicard.com |
Principal Nodal Officer | PrincipalNodalOfficer@sbicard.com |
Mis-selling or harassment | 080-39356050 or salesgrievance@sbicard.com |
Disputed transactions | chargeback@sbicard.com |
Card closure requests | closurerequest@sbicard.com |
Lost or stolen card | lostcard@sbicard.com, or call customer care to block it |
Data privacy complaints | dataprivacy.complaint@sbicard.com |
SBI Card Aurum holders | 1860 500 2000 or aurum@sbicard.com |
Tata SBI Card holders | 1860 500 8282 or 1800 180 8282 (toll-free), 39 02 34 56 (add STD code), or customer.care@tatacard.com |
Is SBI Card customer care available 24x7? Partly. SBI Card says its customer care executives are available 8 am to 8 pm, Monday to Saturday, and its lines stay open 24x7 for emergencies like blocking a lost card.
How to raise an SBI credit card complaint: step by step
Step 1: Contact SBI Card customer care
Call: 1860 180 1290, 1860 500 1290 or 1800 180 1290 (toll-free), or 39 02 02 02 with your local STD code
Email: customercare@sbicard.com
Online: the SBI Card website, the SBI Card mobile app or its chatbot
Post: Manager – Customer Services, SBI Cards and Payment Services Ltd, DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram – 122002
Every complaint gets a reference number. Keep it; you'll need it at each later step.
SBI Card aims to resolve normal complaints within 7 working days.
Step 2: Escalate through the Customer Service Helpline or Customer Service Head
If customer care doesn't resolve it, SBI Card's complaint workflow asks you to escalate:
Phone: Customer Service Helpline, 1860-180-7777
Email: CustomerServiceHead@sbicard.com
Quote your complaint reference number and explain what's still unresolved.
Step 3: Escalate to the Nodal Officer
If you're still not satisfied, write to SBI Card's Nodal Officer at its Grievance Redressal Cell:
Email: Nodalofficer@sbicard.com
Phone: 1860-180-7777
Post: Nodal Officer, PO Bag 28 – GPO, New Delhi – 110001
Step 4: Escalate to the Principal Nodal Officer
If the Nodal Officer's response doesn't resolve it, escalate to the Principal Nodal Officer, the senior-most grievance official:
Email: PrincipalNodalOfficer@sbicard.com
Phone: 1860-180-7777
Post: DLF Infinity Towers, Tower C, 10th–12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram – 122002 (Haryana)
SBI Card's grievance policy also lists the Customer Service Head as a final escalation point if you're unhappy with the Principal Nodal Officer's response.
If SBI Card rejects your complaint fully or partly, its policy says the case is referred to its Internal Ombudsman within 20 days, and you get the final decision within 30 days of your complaint.
Step 5: Go to the RBI Ombudsman
SBI Card is an NBFC, but it's still covered by the RBI Ombudsman scheme. If SBI Card hasn't replied within 30 days, or you're not satisfied with its final reply, you can file a complaint:
Online: cms.rbi.org.in, where you can also track it
Email: crpc@rbi.org.in
Help line (not for filing): 14448
It's free, and you don't need a lawyer or an agent.
SBI Card's complaint turnaround times
Type of complaint | SBI Card's timeline |
|---|---|
Normal complaints | 7 working days |
Disputed transactions (chargebacks) | 45–90 working days, or as per Visa, Mastercard, RuPay or Amex rules |
Fraud, third-party or legal cases, and old records | 30 working days |
Temporary credit on a reported unauthorised transaction | Within 10 working days |
These come from SBI Card's own grievance redressal policy. If SBI Card misses them, you have grounds to escalate.
What changed with the RBI Ombudsman in July 2026
The Reserve Bank – Integrated Ombudsman Scheme, 2026 replaced the 2021 scheme from 1 July 2026:
2021 scheme | 2026 scheme | |
|---|---|---|
Deadline to go to the Ombudsman | Within a year | Within 90 days of SBI Card's timeline expiring or its last reply, whichever is later |
Compensation for consequential loss | Up to ₹20 lakh | Up to ₹30 lakh |
Compensation for time, expenses and harassment | Up to ₹1 lakh | Up to ₹3 lakh |
Don't sit on a rejected complaint. Leave it for three months and you can lose the right to take it to the Ombudsman.
Your rights on common SBI credit card complaints
Problem | What the RBI rules say |
|---|---|
Card not closed after you asked | It must be closed within 7 working days of your request (once dues are cleared), or you're paid ₹500 a day until it is |
Unauthorised transaction | Report it within 3 working days of the alert and your liability is zero |
Card charged but merchant not paid | POS and online card payments must be reversed within T+5 days, or you're paid ₹100 for every day of delay |
Changes to charges | You must be told at least 30 days before a change in charges takes effect |
For fraud, also report it on the National Cyber Crime Helpline, 1930.
How to write an SBI Card complaint that gets resolved
Your name, registered mobile number and email
The last 4 digits of your SBI credit card
Transaction date, amount and reference number
Every earlier complaint number, with copies of SBI Card's replies
What went wrong, and the exact fix you want ("reverse the ₹999 annual fee charged on 3 September", not "fix my bill")
Statements, SMS alerts and screenshots as proof
FAQs
What is the SBI credit card customer care number?
1860 180 1290, 1860 500 1290 or 1800 180 1290 (toll-free). You can also dial 39 02 02 02 with your local STD code.
Is SBI credit card customer care toll-free and 24x7?
1800 180 1290 is toll-free. SBI Card's executives are available 8 am to 8 pm, Monday to Saturday, while its lines are open 24x7 for emergencies like blocking a lost or stolen card.
What is the SBI customer care number for complaints?
Start with customer care on 1860 180 1290, 1860 500 1290 or 1800 180 1290. To escalate, call SBI Card's Customer Service Helpline on 1860-180-7777.
What is the SBI credit card grievance email ID?
For first-level complaints, email customercare@sbicard.com. To escalate, email CustomerServiceHead@sbicard.com, then Nodalofficer@sbicard.com, then PrincipalNodalOfficer@sbicard.com.
How do I complain about SBI credit card mis-selling or recovery harassment?
Call SBI Card's dedicated helpline on 080-39356050, or email salesgrievance@sbicard.com.
How do I dispute a transaction on my SBI credit card?
Email chargeback@sbicard.com or use the transaction dispute option on the SBI Card website. Disputes typically take 45–90 working days, depending on card network rules.
How long do I have to go to the RBI Ombudsman?
Under the 2026 scheme, within 90 days from when SBI Card's response timeline expires or from its last reply, whichever is later.
