Experience unparalleled convenience, security, and rewards with our credit and debit card options. Whether you need a card for daily purchases, travel, or managing your finances, we’ve got you covered.
Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you'll enjoy important features like:
• Convenient and flexible purchasing power, accepted at millions of locations worldwide.
• Mobile Purchasing capability for added convenience.
• Zero Fraud Liability* - You won't be liable for fraudulent purchases when your card is lost or stolen.
• Cardmember Service available 24 hours a day/365 days per year.
SBIC's Debit Cards provide advanced security and unparalleled convenience. Whether you're traveling the world or managing daily transactions, our Debit Cards are designed to meet your needs.
Our cards offer a range of benefits to help you manage expenses and access your funds conveniently:
Credit Cards: Ideal for planned purchases, online transactions and additional financial flexibility. Rewards programs, cashback offers and enhanced security features like EMV-chip authentication are some of the offerings provided.
Debit Cards: SBIC provides ease of use with secure transactions and access to your bank account funds, with worldwide acceptance.
At SBIC, we prioritize secure and convenient banking solutions. Whether it’s managing daily transactions or accessing funds, SBIC’s products and services are designed with your needs in mind.
Reach out for support or inquiries.
Review the specifics of each card offering.
Begin your journey with SBIC Credit and Debit Cards today.
What our customers are saying about us.
"Excellent customer service & support. I have been banking with SBIC for a long time. They are extremely helpful, very supportive, knowledgeable, professional and courteous, had a great experience. I would highly recommend SBIC."
Sudhir D., Los Angeles
"Easy signup, smooth experience without any hassle."
Ritesh K., Sunnyvale
"You will have a wonderful experience. Staff members are polite, respectful and will make your banking experience great. Bank on them!"
O. Shukla, San Diego
What our customers are saying about us.
"Excellent customer service & support. I have been banking with SBIC for a long time. They are extremely helpful, very supportive, knowledgeable, professional and courteous, had a great experience. I would highly recommend SBIC."
Sudhir D., Los Angeles
"Easy signup, smooth experience without any hassle."
Ritesh K., Sunnyvale
"You will have a wonderful experience. Staff members are polite, respectful and will make your banking experience great. Bank on them!"
O. Shukla, San Diego
Locate a branch near you for personalized assistance.
To activate your new debit card, you can call 1-866-633-5293 or Internationally 770-248-5774 from your registered phone number and follow the automated instructions. For any other questions, inquiries, or issues related to card activation, please contact our customer support.
To request a debit card, you can request through your online banking portal, contact Customer Support or visit your nearest branch. For credit card inquiries or to submit an application, please visit Credit Card Index Page website for more information and to apply online.
Many of our credit cards come with no annual fee. However, some cards, like the Reserve Rewards+ Card, have a yearly fee after the first 12 months. Be sure to check the terms and conditions of the specific card you're interested in.
We offer a wide range of credit and debit cards to suit your needs. Our offerings include:
Additionally, we provide both debit and credit cards for business accounts.
Yes, you can link your SBIC credit cards to digital wallets like Apple Pay, Google Pay, or Samsung Pay for easy, contactless payments. Debit cards don't have this feature.
You can make payments online through the mobile app using Bill Pay feature. Customers must first enroll in Bill Pay through their online banking portal to access the feature in the mobile app.
Debit card customers can update this information through online banking portal or by contacting Customer Support. For credit card assistance, please contact the support number listed on the back of your card.
Yes, SBIC Debit Cards are linked to your savings or checking accounts, allowing you to access your funds seamlessly.
Depending on the account type, a certain number of domestic or international out-of-network ATM fees may be waived each statement cycle. For credit cards please call credit card support for your card benefits.
For credit card inquiries or to submit an application, please visit our website for more information and to apply online.
For debit card please contact our customer Support Team or visit the nearest branch. For Credit card please contact the support number listed on the back of your card.
There is no fee to replace or request for a debit card. However, fees may apply when you request to expedite the delivery of Debit Card.
A Credit Card allows you to make purchases by borrowing funds up to a preset limit, while a Debit Card uses funds directly from your bank account.
Yes, our credit cards offer a balance transfer feature with 0% introductory APR for a set period. This helps you save on interest when transferring your outstanding balances from other credit cards.
Rewards are earned based on the card you choose:
Points can be redeemed for cashback, travel, merchandise, or gift cards.
You can manage your card online through SBIC’s mobile app or website. View your balance, track transactions, make payments, and more.
You can redeem your points for:
After the introductory period, APR for SBIC credit cards ranges from 17.99% to 28.99%, depending on your creditworthiness and the card type. The APR may vary based on the Prime Rate.
Yes, SBI uses advanced encryption and secure payment gateways to ensure that your card details are protected during online transactions.
Yes, you can link your SBIC debit card to digital wallets for contactless payments. This allows you to make fast and secure payments with your phone or smartwatch.
To activate your new debit card, you can call 1-866-633-5293 or Internationally 770-248-5774 from your registered phone number and follow the automated instructions. For any other questions, inquiries, or issues related to card activation, please contact our customer support.
Yes, there is a daily withdrawal limit for ATM transactions, which varies based on the type of account you have. Contact customer support for any inquiries concerning limits.
If your debit card is lost or stolen, immediately report it to SBIC’s customer service. You will be issued a replacement card and any unauthorized transactions will be handled under Zero Liability protection.
While many of our credit cards have no annual fees, some cards may charge fees for late payments, balance transfers, or cash advances. Please refer to the specific card’s terms and conditions for detailed fee information. Debit cards generally have no monthly or annual fees but may incur charges for out-of-network ATM usage.
Depending on the account type, a certain number of domestic or international out-of-network ATM fees may be waived each statement cycle. For credit cards please call credit card support for your card benefits.
Cash advances come with a fee, which is typically a percentage of the amount withdrawn, plus interest. The rate is higher than the standard APR.
*Number of ATM Fee Reversals varies based on account type.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*SBIC Bank is a brand name for State Bank of India (California), a California state-chartered bank and a member of the FDIC, which means your deposit accounts are insured up to $250,000 per depositor, per FDIC-insured bank, per ownership category. SendMoneyEZ is a registered trademark of State Bank of India (California) doing business as SBIC Bank.
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