SBI CREDIT CARD INDIA-review SBI CREDIT CARD INDIA Rating: SBI CREDIT CARD INDIA Welcome Bonus A smart way to choose the card best suited to your lifestyle Join SBI CREDIT CARD INDIA Now


State Bank of India offers several credit cards to meet the financial needs of individual cardholders. SBI cards offer rewards for travel, shopping, dining and more. Customers can also enjoy benefits like cashback and low interest rates.

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Terms and conditions

For the employed

Age group: 21-65 years
Income: >20,000 rupees

  • Proof of identity, any of the following documents: passport, PAN card, ration card, Aadhaar card, voter ID card, driving license.
  • Proof of address, any of the documents: telephone bill, electricity bill, passport, ration card, lease agreement, Aadhaar card.
  • Proof of income: salary certificate, latest salary slip, letter from the place of employment.

For self-employed

Age group: 21-70 years
Income: >30,000 rupees

  • Proof of identity, any of the following documents: passport, PAN card, ration card, Aadhaar card, voter ID card, driving license.
  • Proof of address, any of the documents: telephone bill, electricity bill, passport, ration card, lease agreement, Aadhaar card.
  • Proof of income: certified financial statements, latest ITR (Income Tax Returns), audited profit and loss statement or balance sheet.


All credit cards from SBI offer a number of benefits, including:


A customer can transfer outstanding amounts from other cards to their SBI card at a low interest rate. With the balance transfer feature, the customer can avoid paying interest on multiple cards.

Automatic Bill Payment

With a credit card, paying utility bills can be hassle-free. The automatic bill payment option called Easy Bill Pay allows customers to make timely payments every month. Customers can sign up and pay their utility bills, insurance premiums, and phone and electric bills.


SBI in partnership with CCP offers comprehensive protection in case of card loss, fraud or theft. Cardholders are provided with services such as emergency travel assistance, bank protection, free replacement of lost card and more.

Convenient account access

A customer can access their SBI Card account online or download the SBI Card mobile app.
Make bill payments, check outstanding balance and more anytime and anywhere.

Funds to meet immediate cash needs

The SBI Card can be very useful when additional funds are needed in case of an emergency. With SBI Encash, customers can get quick access to funds. Customers can get the amount above or below the credit limit transferred to the account within 48 hours using Encash. The funds can be repaid in installments of 12, 24 or 36 months.

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How to get loan ?

Step-by-step guide on how an Indian resident can take a loan through the Olyv app:

  1. Download and Install Olyv App: Visit the Google Play Store or Apple App Store on your smartphone. Search for “Olyv” and download the app. Install it on your device.
  2. Create an Account: Open the Olyv app and sign up for an account. You’ll need to provide your mobile number, email address, and create a password. Follow the on-screen instructions to complete the registration process.
  3. Complete Profile and Verification: Once you’ve signed up, you may need to complete your profile by providing additional personal information such as your full name, address, date of birth, and identification details like Aadhar card or PAN card. Olyv may require you to undergo a verification process to confirm your identity.
  4. Check Loan Eligibility: After your account is verified, you can check your loan eligibility within the app. Olyv will assess your creditworthiness based on factors like your income, credit history, and other relevant details.
  5. Select Loan Amount and Terms: Once you know your eligibility, you can choose the loan amount you need and the repayment terms that suit you best. The app will display various loan options based on your eligibility.
  6. Submit Loan Application: After selecting the desired loan amount and terms, you can proceed to submit your loan application through the app. Make sure to review all the details before submitting to avoid any errors.
  7. Wait for Approval: Olyv will review your loan application and assess your eligibility. This process may take some time, so be patient. You may receive notifications or updates regarding the status of your application through the app.
  8. Loan Disbursement: If your loan application is approved, Olyv will disburse the loan amount directly into your registered bank account. The time taken for the funds to reflect in your account may vary depending on your bank’s processing time.
  9. Repayment: Once you receive the loan amount, you’ll need to repay it according to the terms agreed upon during the application process. Olyv may offer various repayment methods, including auto-debit from your bank account or manual payments through the app.
  10. Manage Your Loan: Throughout the loan tenure, you can use the Olyv app to keep track of your loan details, view repayment schedules, and make payments. Make sure to stay updated on your loan status and fulfill your repayment obligations on time to maintain a good credit profile.

By following these steps, you can easily apply for and manage a loan through the Olyv app as an Indian resident.

How to pay a loan ?

Here’s a structured guide on how an Indian resident can repay an Olyv loan:

  1. Loan Repayment Options: Olyv provides multiple repayment options to make it convenient for borrowers to repay their loans. These options typically include automatic debits from your bank account, manual payments through the Olyv app, or payment through designated payment gateways.
  2. Check Repayment Schedule: Log in to your Olyv account through the app to access your loan details. Here, you can view your repayment schedule, including the due dates for each installment or the total amount due.
  3. Set up Auto-debit (if applicable): If you’ve opted for auto-debit, ensure that you have sufficient funds in your bank account on the due date. Olyv will automatically deduct the installment amount from your registered bank account on the scheduled date.
  4. Make Manual Payments (if applicable): If you prefer manual payments, navigate to the “Repayment” or “Pay Loan” section within the Olyv app. Here, you can select the option to make a payment manually. Follow the instructions to enter the payment amount and choose your preferred payment method.
  5. Choose Payment Method: Olyv typically supports various payment methods such as UPI, net banking, debit cards, or other digital payment platforms. Select the payment method that is most convenient for you.
  6. Enter Payment Details: If you’re making a manual payment, enter the required payment details such as your bank account information or payment card details. Double-check the information to ensure accuracy.
  7. Confirm Payment: Once you’ve entered the payment details, review the transaction summary and confirm the payment. You may receive a confirmation message or email once the payment is successfully processed.
  8. Monitor Repayment Status: After making the payment, monitor your loan account within the Olyv app to ensure that the payment reflects correctly. You should see the updated repayment status and any changes in your outstanding loan balance.
  9. Stay Updated: Keep track of your repayment schedule and ensure timely payments to avoid late fees or penalties. Set reminders or enable notifications within the Olyv app to stay informed about upcoming due dates.
  10. Contact Support (if needed): If you encounter any issues or have questions regarding your loan repayment, don’t hesitate to reach out to Olyv’s customer support team. They can provide assistance and guidance to help you resolve any concerns.

By following these steps, you can effectively repay your Olyv loan as an Indian resident, ensuring timely payments and maintaining a good credit standing.


Taking a Loan Through the Olyv App (For Indian Residents)

While I couldn’t find definitive information on Olyv offering loans in India, here’s a structured approach you can take to investigate further:

  1. App Store Check:

    • Search for “Olyv” on the App Store on your phone.
    • If the app is available and offers loans in India, there will likely be a description mentioning this.
  2. Olyv Website (if available):

    • If you find a website for Olyv, search for a dedicated section on loans or a customer service contact option.
    • Contact them to inquire about loan availability in India.
  3. Regulatory Check:

    • In India, legitimate loan providers must be registered with the RBI (Reserve Bank of India). You can visit the RBI website ( and search for a list of registered NBFCs (Non-Banking Financial Companies). If Olyv is listed and offers loans in your area, it might be a legitimate option.

Important Considerations:

  • Legitimacy: Always be cautious of loan apps that don’t have a clear presence or lack transparency about their terms and conditions.
  • Alternatives: Explore other reputable loan providers in India like Moneyview or 50Fin which are known for offering personal loans through apps.
  • Eligibility: Before applying for any loan, understand the eligibility criteria like income, credit score, etc.

Additional Tips:

  • Compare Rates: If you find legitimate loan providers through apps, compare their interest rates and terms before finalizing one.
  • Read Reviews: Look for user reviews of the loan app to get insights into other users’ experiences.
  • Borrow Responsibly: Only borrow what you can comfortably repay.

By following these steps, you can make an informed decision about using the Olyv app or explore other reputable options for taking a loan in India.

Repaying an Olyv Loan (For Indian Residents)

Since confirmation on Olyv offering loans in India is unavailable, here’s a general structure for loan repayment through most mobile apps, assuming Olyv follows a similar process:

  1. Access the App: Open the Olyv app on your smartphone.

  2. Locate Payment Section: Look for a section dedicated to “Payments,” “Repay,” or a similar term. This section might be on your account dashboard or hidden within the loan details.

  3. Review Loan Details: Check the outstanding amount, due date, and any minimum payment requirement before proceeding.

  4. Choose Payment Method: Olyv might offer various payment options like:

    • Net Banking: Select your bank and enter your online banking credentials to initiate a secure transfer.
    • Debit/Credit Card: Enter your card details to make a payment. Be aware of any processing fees associated with card payments.
    • UPI (Unified Payments Interface): If Olyv integrates UPI, you can use your preferred UPI app to transfer the amount.
  5. Finalize Payment: Enter the amount you want to repay (consider minimum payment or full repayment) and confirm the transaction.

  6. Confirmation: You should receive a confirmation message or notification within the app upon successful payment.

Additional Tips:

  • Schedule Payments: If the app allows, set up automatic repayments to avoid late fees.
  • Payment Receipts: Keep copies (screenshots or emails) of your payment confirmations for your records.
  • Early Repayment: Check if there are any prepayment penalties before considering early repayment of the loan.

Important Note:

  • This information is a general guideline. The specific steps for repaying an Olyv loan might differ depending on the app’s design and functionalities.

If you’re unsure about any aspect of repaying your Olyv loan, it’s best to contact Olyv’s customer support directly through the app or their website (if available).

Any Indian individual, above the age of 21 can apply for loans via Olyv(formerly SmartCoin). The individual should have a monthly source of income.

All loan applications sanctioned and approved in Olyv(formerly SmartCoin) are processed by RBI registered NBFCs/Banks.

In case you need help, you can call our team on +919148380504.

If you are registering on Olyv(formerly SmartCoin) for the first time, you need to login via your name and phone number, after which you have to sign up using your Gmail ID. If you are a registered user, you have to sign in using the Gmail ID you had used to create your account.

We verify your bank account to ensure that the bank account belongs to you.

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