If you use State Bank of India (SBI) credit card, then this news is important for you. Additional charges will have to be paid on certain fuel and transport transactions from December 1, 2026. SBI Card has given information about these changes in the notice dated 27 October 2026. The new rules will especially impact those people who make large transport payments through credit cards or spend more on petrol and diesel in one billing cycle.
1% fee on transport payments above Rs 30,000
According to the new SBI card rules, from December 1, a 1% fee will be charged on every eligible transport transaction above Rs 30,000. This includes transactions identified under MCC 4111, 4784 and 4131. For example, if a customer makes an eligible transport payment of Rs 35,000 through his SBI credit card, he will have to pay an additional fee of Rs 350. That means, apart from the amount of payment, this fee can also be added to his bill.
Charge on fuel expenditure of more than Rs 50,000 in billing cycle
The rules for fuel transaction have also been changed. From December 1, if an SBI credit cardholder’s total spend on eligible fuel transactions in a billing cycle exceeds Rs 50,000, a fee of 1% will be charged on the total fuel spend. This includes transactions identified under MCC 5172, 5541, 5542 and 5983. It is worth noting that the fee will not be applicable only on the amount above Rs 50,000, but on the entire eligible fuel expenditure. For example, if the eligible fuel expenditure in the billing cycle is Rs 60,000, a fee of Rs 600 @ 1% will be charged.
What should credit card users keep in mind?
To avoid these changes, customers should monitor their transportation payments and total fuel expenses during the billing cycle. However, the applicable charges will depend on the category of the respective transaction and the terms and conditions of the SBI card. Customers are advised to check the complete details of new rules and applicable charges on the official website of SBI Card before December 1.
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SK Sharma is a content writer who writes on news, entertainment, and lifestyle topics. She has over four years of experience and is known for conveying information in simple and clear language.
