SBI Credit card Rule : If you are an SBI credit card user, then this news is very important for you. From July 15, 2025, SBI Card is going to make big changes in its rules, which can have a direct impact on your pocket, reward points and financial planning. Especially if you use co-branded cards like Elite, Prime, Pulse or IRCTC, then these new rules become even more important for you.
1. Change in calculation of Minimum Amount Due (MAD)
Till now you used to keep your card active by paying a small amount, but from July 15, SBI is changing the way of calculating the minimum amount due. Now MAD will include 100% of all your EMIs, GST, fees and other charges, finance charge, overlimit amount and 2% of the remaining balance. This means that now you will have to pay more money every month than before.
2. Order of payment adjustment changed
SBI will now decide in which item your payment will be adjusted first. Under the new system, your payment amount will be adjusted first in GST, then EMI, then fees and charges, then finance charge, balance transfer, retail shopping and finally cash withdrawal. Due to this, if you have not paid any amount earlier, then there may be a high possibility of interest increasing on it.
3. Air accident insurance cover will be discontinued
If you have co-branded SBI cards of any bank like UCO Bank, KVB or PSB, then the free air accident cover of ₹ 50 lakh to ₹ 1 crore will be discontinued from August 11, 2025. This means that there will be no insurance protection from SBI in case of an accident during flight travel.
What should customers do?
* Make it a habit to pay the maximum amount, not just the minimum amount.
* Understand the new rules of payment adjustment and settle old dues.
* Check the existing benefits of the card and consider upgrading if needed.
It is very important for you to know and understand these new rules so that you can avoid interest and penalties and improve your financial health. For more information, visit www.sbicard.com or contact customer care.
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