SBI Credit Card Payment Rules Changes from July 15, 2025

,SBI credit card payment rules:

Starting July 15, 2025, significant changes are coming to SBI credit card payment rules, and users should be prepared. These changes will affect how the minimum payment due (MAD) is calculated, how payments are applied, and certain card benefits.

New Calculation Method for Minimum Amount Due (MAD)

One of the major changes is the revised calculation of the minimum amount due (MAD) on your SBI credit card. From July 15, 2025, the MAD will be calculated as follows:

SBI credit card payment rules:

100% of GST, EMI amount fees/charges and
100% of finance charges
Overlimit amount (if any)
2% of remaining balance outstanding

This change means that cardholders will no longer be able to get away with making smaller payments. The new calculation requires paying a higher amount to prevent the balance from accumulating.

Payment Settlement Process Adjusted

In addition to the new MAD calculation, the process of payment settlement has also been revised. Payments will now be applied in the following order:

1. GST
2. EMI
3. Fees/charges
4. Finance charges
5. Balance transfer
6. Retail expenses
7. Cash advances

This new system ensures that if you haven’t paid off certain charges or interests, those payments will be settled first, and interest will continue to accrue on the remaining balance.

Discontinuation of Air Accident Insurance

Another significant change involves the cancellation of the complimentary air accident insurance coverage, which had been provided on certain SBI cards. Effective from August 11, 2025, this coverage, which previously offered up to ₹1 crore on some cards, will no longer be available.

What Should SBI Credit Cardholders Do?

Given these changes, SBI cardholders need to carefully review the benefits and terms of their cards. With certain benefits, like the air accident insurance, being removed, cardholders may want to reassess their card usage, consider upgrading to a different card, or even close their accounts if the new rules are no longer beneficial.

Disclaimer: The information provided here is based on study reports and expert advice and should not be construed as a financial recommendation.

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