How to open SBI Card Statement PDF Guide

Why SBI Encourages You to Use E-Statements

According to a Statista report, SBI Cards is one of the leading credit card providers in India, with a market share of up to 19% in FY2024. There were around 18.9 million active SBI Cards alone last year due to their digital convenience.

Sending paper statements to every customer would:

• Be slow and costly
• Risk exposure if lost or intercepted
• Waste paper & harm the environment

You can use the SBI App or visit the nearest branch to request a physical copy to deliver to your home address.

In case you want to get a physical hard copy of your statement for a period older than 2 months, the SBI may have nominal charges of ₹100 + GST for each statement.

That’s why the RBI encourages users to use digital statements to promote faster access and reduce paper usage.

Credit Card E-Statements Explained: Why SBI Protects Them with Passwords

Digital banking has changed how we handle money. From UPI to today’s bill payments,

Among these, Credit card e-statements are one of the most misunderstood digital documents.

E-statements are the digital avatars of traditional paper credit card bills. As India moves toward paperless banking, banks like SBI now prioritise sending monthly encrypted PDFs via email over postal bills.

They’re not just emails—they’re secure records of your financial activity, important for:

• Tracking daily expenses
• It is also known as a monthly credit card bill with a due date
• Avoiding late payment charges
• Verifying unknown transactions
• Filing income tax or applying for a loan

That’s why it’s important to protect, it comes with an extra layer of password protection on its PDF files, which SBI card changes from time to time.

To unlock it, you need to know the latest password format, which you can use to open it.

What is the latest password format to unlock the SBI Card E-statement?

To unlock the credit card e-statement PDF, the SBI sets the password format as your Date of Birth in DDMMYYYY format, followed by the Last 4 digits of your Credit Card Number.

Let me give you a quick example:

If your date of birth is 15 August 2000 and your credit card’s last four numbers are XXXX 5432, then enter the password = 150820005432

Few Tips:

• Make sure there are no spaces and symbols between the DOB and card number.
• Use your registered DOB (as in SBI records)
• Use a proper PDF reader like Adobe or Foxit
• Pause the Auto-correct option in the keyboard app of your phone

Where to Find SBI Card Statement Emails

If you’re struggling just to locate your PDF file or email in the inbox sent by The SBI, follow these steps –

• Open your Inbox, search for the SBI card statement
• Look for Subject Line: “Your SBI Card Statement for [Month-Year]” or Attachment: PDF file named like SBI_Statement_Aug2025.pdf
• Scroll down to the end of the email, just after the body text.
• If not found, check Spam/Promotions folders too.

Mark the email as “Important” so it doesn’t get missed.

Didn’t Get Your SBI E-Statement? Here’s How to Start Receiving It

If you have not received digital statement emails from SBI Cards, there are a few reasons for it, such as –

• You entered an incorrect email ID
• Your email subscription has not been activated yet

Don’t worry, it is completely free of cost and easy to register. Here are the steps to activate e-statements through the SBI Card app –

1. Download the SBI Card App.
2. Log in using your credit card number.
3. Set your 6-digit MPIN, fingerprint, or Face unlock for login.
4. Navigate to the Dashboard > Services > scroll down and select E-Statement Subscription.
5. Tap on Update Email ID.
6. Enter your new email address.
7. An OTP will be sent to your new email ID to complete the process.
8. Verify the OTP, and you’re all set!
9. Once the process is done successfully, you will start receiving your monthly credit card statements automatically in your inbox.

If your issue is still not solved, you have to call the SBI Cards customer care team.

Call Customer Care Desk:

• The working toll-free 1860 500 1290 (Toll-Free across india)
• 1860 180 1290
• 39 02 02 02 (Add your STD code before dialling)
• 1800 180 1290 (Toll-Free)

The working time is 8 AM – 8 PM, Monday to Saturday.

When Are SBI Card Statements Sent?

• Statements are auto-generated monthly based on your fixed billing cycle, which usually depends on when you activate your credit card.
• Usually sent within 1–2 days after the cycle ends
• Billing cycles differ by card, so check in your SBI Card app under “Billing Details”

Common Errors While Opening SBI PDF & Fixes

Issue	Fix
Rendering stopping	Use apps like Adobe Reader or Foxit. Try updating the app
Space issue	Please check the storage space of your email and device, then try again.
“File corrupted” error	Re-download the file from your email or choose a different browser
Empty/grey screen	Clear storage or try on a desktop browser
Browser not supporting	Don’t use Internet Explorer, switch to Chrome or Edge

Bonus Tip: Remove the Password from SBI PDF

Once you’ve opened the file:

1. Press Ctrl + P (or Cmd + P on Mac)
2. Choose “Save as PDF”
3. Save it again → Now it’s an unlocked version, which you can use on any government or bank portals.

Use this only for personal convenience. Don’t share unlocked PDFs with others.

Frequently Asked Questions