How to Block SBI Credit Card Step by Step Guide

How to Block SBI Credit Cards in 4 Easy Steps?

Credit cards have changed the way we live our lives. The 'buy now, pay later' concept has pushed us into leading an entirely different lifestyle. It comes across as a perfect partner in times of need. The benefits and features that a credit card confers help us enjoy better value for money. 

But having said this, the risks associated with a credit card being stolen or lost cannot be undermined. Unauthorized usage on the credit card will not just reflect the outstanding amount in your credit card bill but will add to your financial obligation. Thankfully, banks allow credit cardholders to get their credit cards blocked in the event of a stolen or lost credit card. This reduces the risk of financial liability. 

How to Block SBI Credit Cards if Lost or Stolen?

State Bank of India is one of the leading credit card issuers in the Indian market. The bank has a well-structured mechanism in place to guide its credit card customers on how to block SBI credit cards if they are lost or stolen.

It is recommended to get the SBI credit card blocked immediately or as early as possible when a card is lost or stolen. This reduces the risk of financial liability on the credit cardholder. Cardholders can get the SBI credit card blocked through any of the following channels. These include:

• Visit the banks' official credit card website www.sbicard.com
• Apply for 'Block Credit Card' through SBI's Mobile App YONO
• Call 24X7 helpline number @ 39 02 02 02 (prefix local STD code) or call 1860 180 1290 toll free number
• Send an SMS to 5676791 from your registered mobile number. BLOCK XXXX (Last four digits of your card number)

One can use any of the four available channels to get the SBI credit card blocked. The credit card is lost or stolen will be blocked permanently. A new credit card will be issued instead upon reissue request.

How to Block SBI Credit Cards via Official Website?

SBI credit card holders can block SBI credit cards via online banking or net banking. The steps involved are:

• Log into the bank's official credit card website www.sbicard.com
• Log into your net banking account using your login ID and password.
• Click on the 'Services' tab
• Click on 'Block Lost/Stolen Card'
• Choose the card number you want to block in case you have more than one SBI credit card.
• Submit the request.

Your SBI credit card will get immediately blocked and there will be an SMS on your registered mobile number intimating the same. You will also receive an email on the registered email ID.

How to Block SBI Credit Cards via SBI Mobile Banking?

Take the following steps on how to block SBI credit card permanently via SBI mobile banking:

• Log into your SBI Mobile Banking app YONO and sign in to your account using the MPIN.
• Go to the 'Menu' section
• Click on 'Service Request'
• Click on 'Report Lost/Stolen'
• Select the card number, which you want to block in case you have more than one SBI credit card.

Your SBI credit card will be blocked instantly. A confirmation SMS and an email intimating the same will appear in the messaging inbox of your registered mobile number and registered email ID, respectively.

How to Block SBI Credit Card via SBI Helpline Number or IVR

If you want to know how to block SBI credit card via an SBI helpline number or how to block SBI credit card permanently via IVR (Interactive Voice Response), here's help:

• Call Toll Free Number 1860 180 1290 or 24X7 helpline number @ 39 02 02 02 (prefix local STD code).
• Select the preferred language
• Listen to the IVR instructions and follow accordingly
• Press 2 to report lost/stolen credit card

Your SBI credit card will get immediately blocked and there will be an SMS on your registered mobile number intimating the same. You will also get an email on your registered email ID.

How to Report SBI Credit Card via SMS

To get your SBI credit card blocked via SMS, send an SMS in the format given below using your registered mobile number.

• Type: BLOCK XXXX (XXXX are the last four digits of your SBI Card)
• Send SMS to 5676791

The SBI credit card will be blocked immediately. An SMS will flash in the messaging inbox of your registered mobile number, intimating you about the same. You will also receive an email on the registered email ID.

How to block SBI Corporate credit cards when travelling abroad?

To report the loss of SBI Corporate Credit Card when travelling abroad, you may call on a country-specific Visa helpline number. These are:

• United States: 1-800-847-2911
• Australia: 1-800-125-440
• Singapore: 800-110-0344
• United Kingdom: 0800-89-1725
• Mainland China - South: 10-800-110-2911
• Mainland China-North: 10-800-711-2911
• Canada: 1-800-847-2911
• Hong Kong: 800-96-7025
• Japan: 00531-11-1555

FAQs

Q1. How will I know whether my SBI credit card is blocked or not?

Once the 'block card' request is successfully submitted through any of the four available channels, you will get a confirmation message via SMS on your registered mobile number and via email on your registered email ID.

In case the block confirmation message is not received, please call the SBI credit card helpline number — 39 02 02 02 (prefixed with the local STD Code) or toll-free number 1860 180 1290.

Q2. Will the blocking of an SBI credit card lead to the closure of credit card accounts?

No, blocking an SBI credit card does not lead to the closure of the credit card account. The balance outstanding on the credit card before the request for lost/stolen is submitted to be repaid on the scheduled due date to avoid late payment charges and penal interest thereon.

Q3. Can I reactivate/unblock my blocked SBI credit card?

Once a credit card is blocked for suspicious or fraudulent transactions, the same card is not reactivated. A new card with a new credit card number will be issued to you on request made via a call centre.  

In case the credit card is blocked due to overuse and credit limit utilisation or payment defaults, the same card is unblocked once the outstanding is repaid in full. The reactivation/unblock request is to be submitted within three months, after which a new credit card application is sought.

Q4. What is the fee to reissue/replace an SBI credit card?

A replacement fee of Rs. 100 + GST is charged to reissue/replace an SBI credit card.

Q5. How can I block my SBI credit card permanently?

Searching for how to block SBI credit card permanently, here's help:

• Visit official website www.sbicard.com
• Use SBI's Mobile App YONO
• Call 24X7 helpline number @ 39 02 02 02 (prefix local STD code) or call toll free number 1860 180 1290
• Send SMS BLOCK XXXX (The last four digits of your card number) to 5676791 from your registered mobile number.

Q6. Is my SBI account number and SBI credit card number the same?

No, the SBI account number and SBI credit card number cannot be the same.

Q7. I found my lost SBI credit card. Can I unblock it?

If a credit card is blocked for loss/theft, it cannot be reactivated. A new card with a new credit card number will be issued to you,

Q8. How to block SBI credit cards via IVR?

To block an SBI credit card permanently via IVR (Interactive Voice Response), the steps to be followed are:

• Call 24X7 helpline number @ 39 02 02 02 (prefix local STD code) or Toll Free Number 1860 180 1290
• Select preferred language for interaction
• Listen to the IVR instructions and navigate accordingly
• Press 2 to report lost/stolen credit card

Q9. My SBI credit card is blocked. What can be the reason?

SBI credit cards can be blocked/deactivated due to the following reasons:

1. Over Utilisation of the credit limit
2. First payment default
3. Up to 3 consecutive payment default
4. More than six consecutive payments default will lead to permanent withdrawal of the credit facility.
5. Suspicious activity – loss, theft, fraudulent transactions
6. Non-compliance of KYC

 Q10. How to block SBI credit cards permanently?

In case you do not want the credit facility available on your SBI credit card anymore, you can place a block credit card request. Ensure that you have no outstanding dues on the credit card. If a reactivation request is not received within three months of card blocking, the SBI credit card is blocked permanently. However, you can apply for a new credit card subsequently as per need.

Q11. My SBI credit card is blocked. Will it affect my CIBIL score?

In case a credit card is blocked for suspicious activity like loss, theft or fraudulent transactions, it will not affect your CIBIL score.  

However, if the SBI credit card is blocked due to reasons like over utilisation of credit limit, first payment default or subsequent payment default, it will definitely affect your credit score.

Q12. How to block SBI credit cards via SBI mobile banking?

Follow the following steps to block SBI credit cards via mobile banking:

• Login to SBI's Mobile banking app YONO using the MPIN
• Move to the 'Menu' section.
• Tap on 'Service Request'
• Tap on 'Report Lost/Stolen'
• In case you have more than one SBI credit card, select the credit card number which you want to block from the drop-down.
• Submit the request.