SBI Corporate Utility Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
Designed for businesses to centralise and simplify utility and recurring payments. The card provides consolidated billing and corporate controls, helping finance teams manage vendor payments, utility bills and recurring expenses efficiently. It emphasises ease of reconciliation and operational control rather than consumer rewards.
Features of SBI Corporate Utility Credit Card which makes it unique
Utility Bill Focus
Optimised for recurring and bulk utility payments
Streamlined reconciliation
Designed for operations rather than consumer perks
Rewards Structure of SBI Corporate Utility Credit Card
Base
baseAll other retail purchases (non-fuel)
Fees & Charges of SBI Corporate Utility Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Nil
Fee Explanation Standard corporate card charges apply; some fees may vary by corporate agreement.
Detailed Explanation of SBI Corporate Utility Credit Card Fees
Annual Fee: Nil (yearly)
As per SBI Card corporate terms
Interest / Finance Charge: As per corporate agreement (variable)
Finance charges apply on outstanding balances as per card agreement
Additional Features of SBI Corporate Utility Credit Card
Consolidated Billing
Single consolidated statement for utility and vendor payments
Corporate Controls
Spending controls and reconciliation features configurable by employer
Welcome Bonus with SBI Corporate Utility Credit Card
Welcome Bonus: No bonus
Bonus Conditions: N/A
Application Process for SBI Corporate Utility Credit Card
Processing Time
Standard corporate onboarding timelines as per employer agreement
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Employer / corporate signs up for SBI Card corporate programme
Employee card allocation by employer
KYC and compliance checks as per corporate onboarding
Cards issued and configured for employee use
Required Documents for SBI Corporate Utility Credit Card
KYC
allAccepted documents:
SBI Corporate Utility Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Depends on card issuance and corporate agreement
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Corporate Utility Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Card issued to corporate employees under employer programme; subject to company policy and KYC.
How Approval Is Decided
- Corporate agreement with SBI Card
- Employer onboarding and KYC compliance
Pros of SBI Corporate Utility Credit Card
- Simplifies corporate utility payments
- Consolidated statements for finance teams
- Nil standard annual fee for many corporate programmes
Cons of SBI Corporate Utility Credit Card
- Not targeted at consumer reward maximisation
- Limited consumer-facing perks and lounge access
Frequently Asked Questions about SBI Corporate Utility Credit Card
What is the SBI Corporate Utility Credit Card for?
It is designed to centralise corporate utility and recurring payments with consolidated billing and spend controls.
Is there an annual fee for this card?
Typically nil as per SBI Card corporate utility programme; exact terms depend on the corporate agreement.
Can employees use it for other business purchases?
Yes, subject to employer-configured limits and corporate policy.
Are there consumer welcome bonuses or reward points?
No, the card is focused on utility payments and corporate controls rather than consumer welcome bonuses.
How does billing and reconciliation work?
The card provides consolidated statements and tools to help finance teams reconcile recurring vendor and utility expenses.
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