SBI credit card rules changing from 1 December 2026: All you want to know

New Delhi: SBI Card has announced new charges on certain fuel and transportation transactions from December 1 2026. SBI Card will levy a fee of 1 percent on high-value fuel and transportation transactions from December 1 2026.

According to a communication issued by SBI Card on October 27, the revised charges will apply to transactions under specific Merchant Category Codes (MCCs). The charges will apply across all SBI credit card variants.

If you are an SBI credit card holder, it is crucial to understand what is changing and how it can impact your financial health.

1 percent  fee on transportation transactions above Rs 30,000

From December 1, SBI Card will charge 1 percent on any single transportation transaction above Rs 30,000. The fee applies to transactions under MCCs 4111, 4784 and 4131 which cover commuter transport, tolls and bridge fees and bus services.

SBI card holders must note that the limit applies to each transaction and not the total transportation spending during a billing cycle.

"W.e.f. 1 Dec 2026, a fee of 1 percent of the transaction amount will be applicable on every transportation transaction (identified under MCCs 4111, 4784, 4131) exceeding Rs 30,000," as per a notice on the SBI Card website.

1 percent  fee on fuel spends above Rs 50,000

From December 1, if the total amount of all fuel transactions identified under MCCs 5172, 5541, 5542, 5983 is made in a billing cycle that exceeds Rs 50,000, SBI Card will charge a fee of 1 percent on the total fuel spends.

"W.e.f. 1 Dec 2026, if the total amount of all fuel transactions (identified under MCCs 5172, 5541, 5542, 5983) made in a billing cycle exceeds Rs 50,000, a fee of 1 percent will be charged on the total fuel spends," as per the notice on the SBI Card website.

What should customers check?

SBI credit card users who make large fuel or transportation payments should check their spending habits before using their cards for these transactions.

Customers who regularly spend large amounts on fuel or transportation should check the new charges that apply from December 1, 2026. Understanding these changes in advance can help them avoid extra costs and unexpected charges on their credit card bills.

SBI Card updates its rules and charges to manage costs, reduce risky or less profitable transactions and follow regulatory guidelines.

Staying informed will help you in avoiding surprises and manage your credit more efficiently. For any doubts and updates visit www.sbicard.com.