Finance1 min read

SBI Card to charge 1% fee on these transactions

By · Published by Everything Blog

In short

Cardholders will soon face additional costs if their transportation and fuel purchases surpass specified monetary limits. For transportation, individual payments exceeding Rs 30,000 across designated category codes will attract an extra 1% fee. In the fuel category, surpassing a Rs 50,000 threshold within a single billing cycle will trigger a 1% levy across the entire accumulated fuel spend. These structured changes take effect starting December 1, 2026.

Key points

  • The newly introduced policy impacts cardholders who regularly make high-value transportat…: The newly introduced policy impacts cardholders who regularly make high-value transportation and fuel payments.
  • Crossing the fuel limit results in a fee levied against the entire billing cycle's spend…: Crossing the fuel limit results in a fee levied against the entire billing cycle's spend rather than merely the surplus amount.
  • Customers can avoid transportation fees by keeping individual transactions at or below th…: Customers can avoid transportation fees by keeping individual transactions at or below the Rs 30,000 threshold.

Sources checked by our analysis pipeline: 1

From December 1, 2026, SBI Card credit card users will have to pay additional charges on certain high-value transportation and fuel transactions. SBI credit cardholders who regularly make large transportation transactions or buy fuel at petrol pumps need to check the additional charges they are set to pay soon.

The revised SBI Card changes on transportation and fuel transactions will take effect from December 1, 2026, according to a notice dated October 27, 2026, available on the SBI Card website. Here are the new charges applicable from December 1 on high-value transportation transactions made through SBI credit cards.

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

For illustration purposes, if a SBI credit card user makes a transportation transaction of Rs 35,000, a 1% fee would amount to Rs 350.

SBI credit card users will also have to watch their total fuel spending during each billing cycle. If the combined value of…

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