Dear SBI Credit Cardholder, your payment will be credited instantly. In case of any issues with bank settlement or network failure, we request you to wait for 24 hours. How to Make SBI Bank Credit Card Payment through BillDesk · sbi bank credit card payment online Click here to go to BillDesk's SBI Card bill payment page. Credit Card (Visa) Bill Pay is an online service and requires an Internet Banking enabled account with State Bank of India.