SBICard now lets you track your CIBIL score for FREE

By | October 14, 2020
SBICard credit score

SBICard, the 2nd largest credit card issuer in the country now lets you view your Credit score (CIBIL) online from your SBICard account.

This option is currently in beta mode and only the score is reported at the moment, for free. If you need report too, you need to pay for it. Well, you don’t actually need to, more on that later.

We don’t know exactly how often they plan to update the same, but it could likely be refreshed every 1-4 months, just how others are doing.

Here’s a quick look at my “Credit score” dashboard of SBICard:

However, interestingly my score is +1 than what it shows on SBICARD dashboard. Not a big difference anyway.

While SBICard doesn’t call it as “CIBIL score“, what they’re currently reporting is sure the CIBIL score. But it seems they may show other scores too in the future, which would be very nice.

Things to know

If you’re wondering how Sbicard and others know your CIBIL score, here’s the answer.

It seems CIBIL reports back to the banks with score and reports when banks report their customer’s loans to CIBIL.

Its a win-win deal as CIBIL gets more data and banks too get to know the current financial position of the cardholder. It applies to other loan products as well.

This I actually came to know ~2 yrs ago when my friend asked Amex for a Limit Enhancement and was denied over the call stating the CIBIL issue.

Final Thoughts

So one can now know the CIBIL score via SBICard, Experian & CRIF score via CRED.

That aside, ICICI Bank too is giving both CIBIL score & report for ICICI Wealth customers. And of-course HDFC Bank also gives CIBIL score and report via CIBIL dashboard itself through their custom link.

Its good to see SBICard fulfilling my wishlist for 2020 and its no wonder that other issuers too will soon start providing this basic feature for their card members.

If you’re new to SBICard, you may start with SBI SimplyClick credit card as its a quite rewarding one on online spends and yet carries a very low annual fee.

Are you able to see your Credit score on SBICard dashboard? Feel free to share your thoughts in the comments below.

Author: Siddharth

I love credit cards, enjoy travelling for free using reward points & airmiles. Obsessed with business class cabins, airport lounges and luxury hotels.

9 thoughts on “SBICard now lets you track your CIBIL score for FREE

  1. Rishabh

    It seems SBI is currently showing CIBIL score as per Aug. Current score from SBI match my CIBIL score before refresh.
    I had the option to refresh the score today at CIBIL and it increased by 2. So I think SBI will display latest score after few months.

    Reply
  2. Captain Bishuddha Bharatiya

    Thanks Siddharth again for the superfast and really usefull article. Just checked and my score is 780. It’s clearly written that it is CIBIL TransUnion Score. But I don’t see detailed information like query, utilisation ratio, etc. Maybe it’s free that’s why.

    Reply
  3. Akash Agarwal

    You can register on Paisabazaar and they provide the Cibil score and the report for free every month.
    And I don’t get any pesky tele marketing from them, just got a call once when they told I am pre-approved for a LTF IndusInd Aura Credit Card and I happily took the offer 🙂

    Reply
  4. Saurabh

    You can see the real time CIBIL score on HDFC Life mobile app. Gets refreshed on every enquiry.

    Reply
  5. Ankit Saraf

    Onescore app provides experian and cibil scores every month as well. No spamming. They are giving One Card (metal) with IDFC backend LTF.

    Reply
  6. Babu

    Paytm also giving full cibil report every month. But we need to manually refresh score every month.

    Reply
  7. ashish

    ICICI bank also provide Free cibil score to there customer
    I have check it,

    Reply

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