SBI Corporate Virtual Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹0
₹0
2.5%
No lounge access
Contents
SBI Corporate Virtual Credit Card is a truly virtual card for corporate payments that removes the need for plastic. It provides configurable controls (limit, validity, MCC controls) and per-transaction virtual numbers to improve security and reconciliation. Ideal for procurement, vendor payments and recurring SaaS or travel expenses.
Features of SBI Corporate Virtual Credit Card which makes it unique
Per-Transaction Virtual Numbers
Generate a unique virtual number per supplier or transaction
Reduces fraud and prevents leakage of primary account details
More secure than shared corporate cards
Seamless Reconciliation
Detailed transaction metadata and reporting for accounting integration
Faster reconciliation
Easier than manual invoicing workflows
Rewards Structure of SBI Corporate Virtual Credit Card
Base
baseFees & Charges of SBI Corporate Virtual Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Fees may vary by corporate agreement; contact SBI Card sales for negotiated waivers.
Fee Explanation Fees and charges depend on corporate agreement; refer to issuing bank's corporate card schedule.
Detailed Explanation of SBI Corporate Virtual Credit Card Fees
Corporate Setup / Onboarding: Varies (one-time / per agreement)
Depends on corporate contract
Foreign Currency Markup: 2.5% (transaction)
As per merchant currency conversion rules
Additional Features of SBI Corporate Virtual Credit Card
Truly Virtual
No physical card is issued; a virtual card number is generated per requirement
Custom Validity & Limits
Admins can set single-use or multi-use cards, expiry dates and transaction limits
Transaction Controls
Merchant category, velocity and amount controls for each virtual number
Welcome Bonus with SBI Corporate Virtual Credit Card
Welcome Bonus: ₹2,000 cashback on first corporate spend
Bonus Conditions: Applicable on first corporate transaction above ₹10,000 within 60 days; corporate admin approval required.
Application Process for SBI Corporate Virtual Credit Card
Processing Time
Typically 3–7 business days after corporate onboarding
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Contact SBI Card corporate sales / fill the corporate inquiry form
Complete corporate KYC and sign agreements
Set up administrator(s) and virtual card policies
Start generating virtual card numbers and transact
Required Documents for SBI Corporate Virtual Credit Card
Corporate KYC
allAccepted documents:
Authorisation Letter
allAccepted documents:
SBI Corporate Virtual Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India where Visa is accepted
International Acceptance
Accepted globally at merchants supporting the card network
Online Acceptance
Yes — usable for e-commerce and virtual payments
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Corporate Virtual Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian resident / corporate entity as per SBI Card policy
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Card issued to corporate clients; mandates KYC and corporate authorisation.
How Approval Is Decided
- Corporate relationship and KYC verification
- Contract terms agreed with SBI Card
Pros of SBI Corporate Virtual Credit Card
- No plastic — reduced card management overhead
- Fine-grained spend controls per virtual card
- Reduced fraud surface for online vendor payments
Cons of SBI Corporate Virtual Credit Card
- Not intended for consumer rewards or lounges
- Features and fees vary by corporate contract
Frequently Asked Questions about SBI Corporate Virtual Credit Card
Who can apply for the SBI Corporate Virtual Credit Card?
Only registered corporate clients and authorised administrators can apply; speak to SBI Card corporate sales for onboarding.
Is a plastic card issued?
No — the SBI Corporate Virtual Card is truly virtual and issues virtual numbers for transactions.
How are controls set on virtual cards?
Corporate admins can set spend limits, validity, merchant-category restrictions and single/multi-use settings per virtual number.
Can virtual cards be used for international suppliers?
Yes — acceptance depends on the merchant’s network (Visa/Mastercard) and the corporate agreement.
How does reconciliation work?
Transactions carry metadata and are available via corporate reporting tools or APIs to simplify accounting reconciliation.
Are there welcome offers or rewards for corporate cards?
Welcome offers depend on the negotiated corporate contract; consult your SBI Card relationship manager for details.
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