If you use an SBI Credit Card, there’s an important update you should know.
Starting November 1, 2025, SBI Card will bring changes to its fee structure and charges.
These new rules will mainly affect education-related payments and wallet load transactions.
So, if you pay school or college fees or add money to digital wallets using your SBI Card, you might end up paying more.
The good news? If you make payments directly to institutions—like through the school or college’s official website or their on-campus swipe machines—no extra fee will be charged.
1% Fee on Education Payments Through Third-Party Apps
From November 1, paying school or college fees through third-party apps or aggregators will attract a 1% charge on the total transaction amount.
For example, if you pay ₹10,000 in school fees using a payment app instead of the school’s website, you’ll be charged ₹100 as a fee.
However, SBI Card has confirmed that if you pay directly via the institution’s website or POS machine, you will not be charged this 1% fee.
So, to save money, it’s best to use the official payment options provided by the institution.
Wallet Loads Above ₹1,000 Will Attract Fees Too
The new rule doesn’t stop at education payments. SBI Card will also start charging 1% on wallet load transactions exceeding ₹1,000.
This means if you add ₹2,000 to your digital wallet, ₹20 will be deducted as a fee.
While this might seem small, frequent wallet top-ups can add up over time and become a burden for regular users.
Other Key SBI Card Charges You Should Know
Here’s a quick look at other fees SBI Card users should keep in mind:
Cash Payment Fee: ₹250
Dishonored Payment Fee: 2% of the amount (minimum ₹500)
Check Payment Fee: ₹200
Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹500, both domestic and international ATMs)
Card Replacement Fee: ₹100–₹250 (₹1,500 for Aurum cards)
Emergency Replacement Abroad: Actual cost (minimum ₹175 for Visa, ₹148 for Mastercard)
Late Payment Charges:
₹0–₹500 → No charge
₹500–₹1,000 → ₹400
₹1,000–₹10,000 → ₹750
₹10,000–₹25,000 → ₹950
₹25,000–₹50,000 → ₹1,100
Above ₹50,000 → ₹1,300
Final Takeaway
SBI Card’s new rules mean users must plan payments carefully to avoid unnecessary fees.
Always choose official payment portals for educational institutions and limit wallet loads to save on extra costs.
Being aware of these changes will help you manage your expenses smarter and avoid surprise deductions starting November 1, 2025.
