SBI Cards and Payment Services Limited issues credit cards and provides payment and short-term credit solutions to consumers across India. Its portfolio serves super-premium, premium, affluent, mass-market and new-to-credit customers through cards offering payment, credit, rewards and lifestyle benefits. Income is generated from cardholder interest, transaction-linked interchange, membership fees and partner services. The company operates across 206 Indian cities, using digital channels, merchant and co-brand partnerships, and RuPay credit-card integration with UPI.
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