SBI Credit Card New Rules: 1% Extra Charge on Fuel and Transport from 1 December 2026

SBI Card has announced a 1% extra fee on high-value transport and fuel spends. The new charges start on 1 December 2026, as per a notice dated 27 October 2026.

What Are the SBI Credit Card Rules Changing from 1 December 2026?

SBI Card will charge an extra 1% on two kinds of spending: single transport payments above a set limit, and total fuel spending above a set limit in one billing cycle. The fee depends on the amount spent and the merchant category code (MCC) of the transaction.

1% Fee on Transportation Transactions Above Rs 30,000

• The 1% fee applies to each transport transaction above Rs 30,000.
• It covers transactions under MCCs 4111, 4784 and 4131.
• A Rs 35,000 payment will cost Rs 350 extra, and a Rs 50,000 payment will cost Rs 500 extra.
• Payments of Rs 30,000 or less will not attract any extra fee.

Fuel Spending Above Rs 50,000 to Attract 1%  Charges

The fuel fee is based on your total fuel spending in one billing cycle, not on a single payment. It covers MCCs 5172, 5541, 5542 and 5983.

Is the fee charged only on the amount above Rs 50,000?

No. Once your fuel spending crosses Rs 50,000, the 1% fee applies to the whole fuel amount. For example:

• Rs 55,000 spent: Rs 550 fee
• Rs 60,000 spent: Rs 600 fee
• Rs 75,000 spent: Rs 750 fee

Spending of Rs 50,000 or less in a cycle will not be charged.

SBI Credit Card Rule Change Impact on Customers

Who will be affected?: Customers who often make large transport payments or spend heavily on fuel with their SBI credit card will see higher costs. Others will not be affected.

What should cardholders do?

• Track fuel spending during each billing cycle.
• Check monthly statements for any extra charges.
• Consider splitting or shifting large payments to another payment method if they want to avoid the fee.