SBI credit card rule changes 2025 are officially in effect from July 15 and August 11, bringing major updates that impact millions of cardholders across India. Whether you hold an SBI Card Elite, Prime, Pulse, or a co-branded credit card, it is essential to understand these changes. This complete guide explains the new rules regarding Minimum Amount Due (MAD), Order of Payment Settlement, and the discontinuation of complimentary Air Accident Insurance.
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SBI Credit Card Rule Changes 2025: New Minimum Amount Due (MAD) Formula
Effective July 15, 2025, SBI Cards has revised how Minimum Amount Due is calculated. The SBI credit card rule changes 2025 introduce a more detailed formula:
| Component | Calculation |
|---|---|
| GST | 100% of applicable GST |
| EMI | 100% of EMI amount |
| Fees & Charges | 100% of any applicable charges |
| Finance Charges | 100% of finance charges |
| Overlimit Amount | Full overlimit amount |
| Remaining Balance | 2% of the remaining outstanding |
The new MAD formula ensures that critical charges are paid in full, reducing risk of growing balances due to underpayment.
Order of Payment Settlement: New Structure
According to the SBI credit card rule changes 2025, payments made by the cardholder will now be adjusted in the following strict order:
| Payment Component | Settlement Priority |
|---|---|
| GST | First |
| EMI | Second |
| Fees & Charges | Third |
| Finance Charges | Fourth |
| Balance Transfers | Fifth |
| Retail Spends | Sixth |
| Cash Advances | Last |
This order helps in minimizing the interest burden and promotes transparency in how payments are allocated.
Discontinuation of Complimentary Air Accident Insurance
As part of the SBI credit card rule changes 2025, SBI Cards has announced the removal of Air Accident Insurance from several credit card variants. Here’s a detailed breakdown:
| Card Variant | Coverage Amount | Discontinuation Date |
|---|---|---|
| SBI Card Elite | ₹1 Crore | July 15, 2025 |
| SBI Card Miles Elite | ₹1 Crore | July 15, 2025 |
| SBI Card Miles Prime | ₹1 Crore | July 15, 2025 |
| SBI Card Prime | ₹50 Lakhs | July 15, 2025 |
| SBI Card Pulse | ₹50 Lakhs | July 15, 2025 |
SBI Co-branded Credit Card Changes Effective August 11, 2025
The SBI credit card rule changes 2025 also affect several co-branded cards beginning August 11, 2025. Complimentary Air Accident Insurance coverage will be discontinued across both Elite and Prime variants issued through various partner banks.
Elite Variants Losing ₹1 Crore Coverage:
- UCO Bank SBI Card ELITE
- Central Bank of India SBI Card ELITE
- PSB SBI Card ELITE
- KVB SBI Card ELITE
- KVB SBI Signature Card
- Allahabad Bank SBI Card ELITE
Prime & Platinum Variants Losing ₹50 Lakh Coverage:
- UCO Bank SBI Card PRIME
- Central Bank of India SBI Card PRIME
- PSB SBI Card PRIME
- KVB SBI Card PRIME
- KVB SBI Platinum Credit Card
- South Indian Bank SBI Card PRIME
- South Indian Bank SBI Platinum Card
- Karnataka Bank SBI Card PRIME
- Karnataka Bank SBI Platinum Card
- City Union Bank SBI Card PRIME
- Allahabad Bank SBI Card PRIME
- UBI SBI Platinum Credit Card
- OBC SBI VISA Platinum Card
- Federal Bank SBI Platinum Credit Card
- BOM SBI Platinum Credit Card
These changes impact cardholders relying on SBI credit cards for travel-related risk protection. Users must now evaluate alternate insurance policies or cards offering comparable benefits.
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Why the SBI Credit Card Rule Changes 2025 Matter
SBI credit card rule changes 2025 are not just technical updates — they directly affect your financial planning, insurance protection, and monthly payment behavior.
Implications:
- MAD calculation ensures higher upfront payment requirements.
- Insurance removals may push users toward private insurance options.
- New payment order may benefit users with EMI-heavy cards by avoiding finance charges.
Being aware of these rule changes can help cardholders avoid surprise fees, plan payments efficiently, and make informed decisions when selecting or retaining a credit card.
Final Thoughts
SBI credit card rule changes 2025 introduce significant adjustments to how users interact with their credit cards. Whether you’re planning to spend, pay EMI, or rely on value-added benefits like insurance, these updates demand your attention. Ensure you review your current credit card benefits and consider alternate options if these rule changes affect your financial strategy. Always read the latest notifications from SBI Cards or your partner bank to stay up to date.
