SBI Card 

SBI Card is India’s listed pure-play credit-card issuer, headquartered in Gurgaon, whose public story in the notes begins in 1998 as a State Bank of India and GE partnership, includes a Carlyle chapter in 2017, and reaches a March 2020 listing described as the country’s first pure-play card IPO. It is not a scheduled commercial bank branch, not a mutual-fund house, and not a payments wallet, even though the SBI name is on the card. A customer who applies for a card, pays a statement, or uses one of the fourteen payment modes the company cites is still dealing with the listed issuer, not with a look-alike handle that offers a “pre-approved limit upgrade” after a CVV. Scale language should stay intact. About 22.2 million cards as of April 2026 and a ranking as the second-largest issuer in India are company-stated snapshots, not a reason to invent later market-share percentages or PAT rupee figures that do not appear here. Fourteen payment modes describe how a billed amount can be settled on official rails; they are not a menu a stranger can “unlock” in a direct message. The 1998 origin, the Carlyle year, and the March 2020 IPO are identification dates. They do not authorise a comment-thread banker to collect a card PIN. Because cards sit next to everyday spend, impersonation is frequent. Look-alike pages recycle the SBI mark, invent “limit enhancement camps,” and then ask for the SMS code that actually authorises a transaction or a fresh add-on. Gurgaon headquarters is a published location, not a walk-in desk that a Facebook comment can relocate. Listing as a pure-play card company means the parent files as a card issuer; social posts that recycle those filings are still marketing, not a substitute for the statement or the issuer app. Comments under a product film are not charge-slips. Official social destinations—X at SBICard_Connect, Facebook at sbicard, Instagram at sbicard_connect, LinkedIn at sbi-card, and YouTube at sbi-card—are brand and public-information channels. They are not limit-enhancement desks, not statement-dispute counters, and not places to share a PIN, CVV, or password. Confirm products, fees, and account actions only on the company’s own site or inside a verified app session. If a stranger DMs a payment link or asks for card credentials, close the thread and use the numbers and forms the company publishes itself.