{"id":239349,"date":"2025-11-02T09:32:16","date_gmt":"2025-11-02T09:32:16","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/239349\/"},"modified":"2025-11-02T09:32:16","modified_gmt":"2025-11-02T09:32:16","slug":"sbi-credit-card-rules-changing-from-november-1-2025-extra-1-fee-on-wallet-top-ups-above-%e2%82%b91000","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/239349\/","title":{"rendered":"SBI Credit Card Rules Changing From November 1, 2025: Extra 1% Fee on Wallet Top-Ups Above \u20b91,000"},"content":{"rendered":"<p>According to SBI Card, users who\u00a0load more than \u20b91,000 into digital wallets\u00a0like Amazon Pay, PhonePe, or Paytm using their credit card will now be charged a\u00a01% fee\u00a0on the load amount. For example, if a user loads \u20b92,000 into a wallet, a\u00a0\u20b920 fee\u00a0will be deducted. The change is expected to affect frequent users of digital wallets, especially those who make larger transactions, while smaller top-ups will remain largely unaffected.<\/p>\n<p>WhatsApp Image 2025-10-22 at 9.38.32 AM<\/p>\n<p>WhatsApp Image 2025-10-22 at 9.37.37 AM<\/p>\n<p>However, the bank clarified that\u00a0no extra charges\u00a0will apply if payments are made\u00a0directly to institutions\u00a0via their\u00a0official websites\u00a0or\u00a0on-campus POS terminals. The existing charges for\u00a0cash payments, dishonoured payments, and late fees\u00a0will remain\u00a0unchanged.<\/p>\n<p>                <img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2025\/10\/IMG-20251007-WA0074-scaled.jpg\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"\/>                <\/p>\n<p>Unchanged Fees on SBI Credit Cards:<br \/>\u2013 Cash payment fee: \u20b9250<br \/>\u2013 Payment dishonour fee: 2% of payment amount (minimum \u20b9500)<br \/>\u2013 Cheque payment fee: \u20b9200<br \/>\u2013 Cash advance fee: 2.5% of transaction amount (minimum \u20b9500)<br \/>\u2013 International ATM transaction fee: 2.4% (minimum \u20b9500)<br \/>\u2013 Card replacement fee: \u20b9100\u2013\u20b9250<br \/>\u2013 Late payment fee structure:<br \/>\u2013 \u20b90\u2013\u20b9500: Nil<br \/>\u2013 \u20b9501\u2013\u20b91,000: \u20b9400<br \/>\u2013 \u20b91,001\u2013\u20b910,000: \u20b9750<br \/>\u2013 \u20b910,001\u2013\u20b925,000: \u20b9950<br \/>\u2013 \u20b925,001\u2013\u20b950,000: \u20b91,100<br \/>\u2013 Above \u20b950,000: \u20b91,300<\/p>\n<p>Experts note that while the fee hike could slightly increase costs for digital users, it may also encourage cardholders to\u00a0make smarter payment choices. SBI Card has stated that these adjustments are aimed at\u00a0better cost management and operational efficiency\u00a0in line with evolving digital payment trends.<\/p>\n<p>                    <img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2025\/09\/IMG-20250820-WA0009.jpg\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"\/><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2025\/09\/85856.jpeg\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"\/>                    <\/p>\n<p>\t\tPost navigation<\/p>\n","protected":false},"excerpt":{"rendered":"According to SBI Card, users who\u00a0load more than \u20b91,000 into digital wallets\u00a0like Amazon Pay, PhonePe, or Paytm using&hellip;\n","protected":false},"author":2,"featured_media":239350,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[2306,86,56,54,55],"class_list":{"0":"post-239349","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mobile","8":"tag-mobile","9":"tag-technology","10":"tag-uk","11":"tag-united-kingdom","12":"tag-unitedkingdom"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/239349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=239349"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/239349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/239350"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=239349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=239349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=239349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}