SBI Credit Card Rules Update 2025 : Transaction Payment Charges

SBI Credit Card Rules Update November 1, 2025 se apne charges revise kiye hain. Jaane naye transaction fees, payment charges aur replacement card fees ka full list.

Introduction

Agar aap SBI Credit Card use karte ho, to November 1, 2025 se aapke liye naye rules aur charges applicable ho rahe hain. SBI Card ne apne transaction fees, payment charges, aur replacement charges revise kiye hain.

Is blog me hum detail me dekhenge:

• SBI Card ke naye charges (Nov 2025 se)

• Kaunse transactions par extra paisa lagega

• Replacement aur late payment ki new fees

• Important FAQs

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SBI Card Revised Charges (Effective November 1, 2025)

1. Transaction Charges

• Utility Bill Payment via Credit Card → 1% processing fee (minimum ₹10, maximum ₹1500).

• Fuel Transactions → 1% surcharge (waiver only on eligible cards).

• International Transactions → 3.5% cross-currency markup.

2. Payment Related Charges

• Late Payment Fees:

  • ₹0 → Outstanding up to ₹500

  • ₹500 → Outstanding ₹501 – ₹5,000

  • ₹1000 → Outstanding ₹5,001 – ₹10,000

  • ₹1200 → Outstanding ₹10,001 – ₹25,000

  • ₹1300 → Outstanding above ₹25,000

• Cash Payment at Branch → ₹250 per transaction.

• Returned Cheque / Failed Auto-Debit → ₹500 charge.

3. Replacement & Renewal Fees

• Card Replacement (Lost/Stolen) → ₹250.

• Emergency Card Issue (abroad) → ₹3,500.

• Add-on Card Fee → ₹150 per add-on.

• Renewal Fee (Annually) → ₹499 – ₹5,000 (depending on card variant, waived on spending milestone).

4. Other Service Charges

• Statement Retrieval → ₹100 per statement.

• Over-limit Fee → 2.5% of over-limit amount (min ₹600).

• Cash Withdrawal Fee → 2.5% of withdrawn amount (min ₹500).

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Why SBI Card Changed Fees?

• Digital transaction adoption badhane ke liye.

• Operational cost cover karne ke liye.

• Borrowers ko time par payment karne ke liye encourage karna.

• International spending aur cross-border charges streamline karne ke liye.

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How to Avoid Extra Charges?

• Always pay full outstanding bill before due date.

• Avoid cash withdrawal from credit card.

• Use auto-debit to prevent late fee.

• Compare SBI card variants (Prime, Elite, SimplyCLICK etc.) for waiver offers.

• Keep track of international spending.

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FAQs – SBI Credit Card Rules Update

Q1. November 1, 2025 ke baad SBI Card ke naye charges kin par apply honge?
👉 Ye sabhi SBI credit card users par apply honge, chahe old customer ho ya new.

Q2. Kya late payment par interest aur fee dono lagenge?
👉 Haan, late fee ke alawa 3.5% per month interest bhi lagega.

Q3. Replacement card ki cost kitni hai?
👉 Normal replacement ₹250, lekin emergency international replacement ₹3,500.

Q4. Kya utility bill payment ab free nahi hai?
👉 Nahi, ab har utility bill payment par 1% processing fee lagegi.

Q5. Annual renewal fee ko kaise waive kar sakte hain?
👉 Waiver tab milega jab aap ek saal me prescribed spending milestone achieve kar loge (jaise ₹1-2 lakh).

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Conclusion

SBI Card ne apne rules revise karke clear kar diya hai ki time par bill payment aur responsible usage hi best way hai extra charges bachane ka. Agar aap November 1, 2025 ke baad SBI Card use karte ho, to in naye charges ko dhyan me rakhna zaroori hai.

👉 Pro Tip: Apne card ka usage limited rakho, bill hamesha time par clear karo, aur cash withdrawal avoid karo – aap easily unnecessary charges se bach jaoge.

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• SBI Card charges November 2025

• SBI credit card new fees

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