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Of the various features of an SBI Credit Card, blocking & unblocking are functions that happen for a few different reasons. Your SBI credit card could be blocked for one of the below reasons:
- Over-Utilization: In case the limit of your SBI Credit Card has been exhausted, your card will not work until the outstanding amount is paid and reduced to a level below the sanctioned limit.
- First Payment Default: If you miss the minimum due on your SBI Credit Card, this can lead to your card getting blocked.
- Default in payments more than four to six times: Once the defaulter fails to pay continuously for 4-6 months, his permanent blocking of the card can be done.
- Suspicious Activity: SBI will lock your card to protect you from fraud if any suspicious activity is monitored.
- KYC Non-Compliance: In case the required KYC documents are not shared, your card will be temporarily disabled in compliance with RBI guidelines.
How to Unblock my SBI Credit card?
Unblocking your SBI credit card is simple. You can call the customer care helpline on 18601801290 / 18605001290 or 39020202 (you have to prefix your local STD code for this number).
Unblocking credit card blocked due to exceeding credit limit?
In case your SBI credit card has been blocked due to over utilization of credit limit, you need to first make a payment to bring down the usage to under the credit limit. Complete the payment and call the helpline to unblock your card.
How to Unblock SBI Credit Card Blocked Due to Default in Payments?
Whether you have defaulted on your SBI credit card for the first time or consecutively for 4 or 5 times, you will need to first make payment of the Total Amount Due or at least the Minimum Amount Due. Once done, you can ask to unblock your card.
How to Unblock SBI Credit Card Blocked Due to KYC Non-Compliance?
KYC compliance is an important regulation insisted by RBI to safeguard consumer interest as well as bank’s fiscal prudence. If your SBI credit card has been blocked due to KYC non-compliance, submitting updated KYC documents is necessary.
You can do this by using the DigiLocker facility and upload your latest KYC documents. SBI Digilocker KYC documents upload can be accessed on the SBI credit card portal.
After uploading the KYC documents, you can call the SBI credit card helpline to get your credit card unblocked.
Click here to find if you are eligible for the SimplySAVE SBI Credit Card
Unblocking Your SBI Credit Card Blocked Due to Suspicious Activity?
SBI will block credit cards that show up sudden suspicious activity. These could be out of the blue foreign currency transactions, or a domestic transaction of very high value that is not in accordance with your credit card usage history. This is done by the bank as a safety precaution.
The bank will generally call you to confirm the authenticity of the transaction, and if it was done by you, they will automatically unblock the card and process the transaction. In case you don’t see any action from the bank’s side, you can call the SBI Credit card helpline number and request them to unblock the card.
If by any chance, it was a fraudulent transaction, you should cancel the card and request the bank to send you a new one.
Can I unblock my SBI Credit Card at the Branch?
Yes, you can unblock your SBI credit card at the nearest branch. If your SBI credit card has been blocked due to defaulting on payment or spending beyond the credit limit, you can visit the bank branch, pay the default or pending payment, and get it unblocked.
Should your card get blocked on account of suspicious activities, you shall have to meet the manager at the branch and follow the prescribed procedure, normally making an application in the given format and sending the documents and declaration to have it unblocked.
How to Unblock My SBI Credit Card Via Email?
The SBI credit card can be unblocked through email by the steps explained here:
1. Visit SBI Card website and click on ‘Get in Touch’ option on the top menu bar.
2. Click on 'Email Us.' You will be required to login to your account using either you mobile number, User ID, or card details.
3. Once logged in, select the correct category and sub-category for your issue.
4. Describe the issue and request to unlock your credit card.
5. Your card will be unblocked by SBI once your issue is resolved.
FAQs on Unblock SBI Credit Card:
1. How will I know if my SBI Credit Card has been blocked?
Banks will generally inform you via email and SMS before blocking your card, also mentioning the reasons for blocking. Once your card is blocked, you won’t be able to make any purchases or transactions using your credit card.
2. Is there any charge to unblock my SBI Credit Card?
No, there aren’t any charges to unblock your SBI credit card. But if your card has been blocked for non-payment of dues, you need to clear the dues before the bank can unblock your card.
3. Will the blocking of my SBI credit card affect my credit score?
If your credit card has been blocked for non-payment of dues, it will affect your credit score. So be fiscally prudent and pay your credit card dues on time.
4. How can I know the outstanding balance on my SBI credit card?
If your SBI credit card has been blocked due to non-payment of dues, you should first repay the dues to get your block unblocked. To know the outstanding balance, you can send an SMS in the below format to 5676791 – BAL XXXX – where XXXX is the last 4 digits of your SBI card.
Once you know the outstanding due amount, you can pay it and get your card unblocked.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.