SBI Credit Card Annual Fees

SBI Credit Card Charges & Fees

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SBI Credit Card Fees And Charges

SBI credit card is a diverse product that aids in transacting effortlessly, anytime and anywhere. You can use it for online shopping, paying utility bills, availing loans, purchasing fuel, buying movie tickets, booking hotels and flights, earning and redeeming rewards, and doing so much more. However, to avail the many benefits of this financial tool, you have to incur a few SBI credit card fees and charges.

Types of SBI Credit Card Charges and Fees

Some of the SBI credit card fees and charges that are usually levied on the card under different circumstances are mentioned below.

1. SBI credit card annual fees

The SBI credit card yearly charges, as the name suggests are the annual fees that you need to pay for owning an SBI credit card. While SBI card yearly charges are common for most cards, you can also find SBI credit cards with no annual fees.

2. SBI credit card late payment charges

If you fail to clear the minimum due on your SBI credit card before the payment date, the SBI card late payment charges are levied.

3. SBI credit card over limit charges

When the outstanding balance on your card is higher than the credit limit available on your SBI card, the SBI card over limit charges become applicable.

4. SBI credit card international transaction charges

For transactions made overseas, this SBI credit card fee is charged.

Charges and Fees for the Top 5 SBI Credit Cards

The SBI credit card charges and fees are different for different cards. Here is a list of SBI credit card fees and charges of some of the top SBI credit cards.

 

BPCL SBI Card

SimplySAVE SBI Card

SBI IRCTC RuPay Credit Card

SBI Card ELITE

SBI Card PRIME

Annual fee

Rs. 499 + taxes

Rs. 499 + taxes

Rs. 500 + taxes

Rs. 4,999 + taxes

Rs. 2,999 + taxes

Renewal Fee

Rs. 499 + taxes

Rs. 499 + taxes

Rs. 500 + taxes

Rs. 4,999 + taxes

Rs. 2,999 + taxes

Payment Dishonor Fee

2% of the amount paid (min INR 500)

2% of the amount paid (min INR 500)

2% of the amount paid (min INR 500)

2% of the amount paid (min INR 500)

2% of the amount paid (min INR 500)

Late Payment Charges

Total Amount due (INR 0- INR 500) = Nil

Total Amount due (INR 500- INR 1000) = INR 400

Total Amount due (INR 1000- INR 10000) = INR 750

Total Amount due (>10000) = INR 950

Total Amount due (INR 0- INR 500) = Nil

Total Amount due (INR 500- INR 1000) = INR 400

Total Amount due (INR 1000- INR 10000) = INR 750

Total Amount due (>10000) = INR 950

Total Amount due (INR 0- INR 500) = Nil

Total Amount due (INR 500- INR 1000) = INR 400

Total Amount due (INR 1000- INR 10000) = INR 750

Total Amount due (>10000) = INR 950

Total Amount due (INR 0- INR 500) = Nil

Total Amount due (INR 500- INR 1000) = INR 400

Total Amount due (INR 1000- INR 10000) = INR 750

Total Amount due (>10000) = INR 950

Total Amount due (INR 0- INR 500) = Nil

Total Amount due (INR 500- INR 1000) = INR 400

Total Amount due (INR 1000- INR 10000) = INR 750

Total Amount due (>10000) = INR 950

Overlimit Charges

2.5% or exceeded amount, or INR 500, whichever is higher

2.5% or exceeded amount, or INR 500, whichever is higher

2.5% or exceeded amount, or INR 500, whichever is higher

2.5% or exceeded amount, or INR 500, whichever is higher

2.5% or exceeded amount, or INR 500, whichever is higher

Statement Retrieval Charges

INR 100 per statement

INR 100 per statement

INR 100 per statement

INR 100 per statement

INR 100 per statement

Finance Charges (Retail Purchases and cash)

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

Card Replacement

INR 100

INR 100

INR 100

INR 100

INR 100

Card Replacement When Abroad

Actual cost ($175 minimum)

Actual cost ($175 minimum)

Actual cost ($175 minimum)

Actual cost ($175 minimum)

Actual cost ($175 minimum)

International Transaction Charges

3.5 percent mark-up

3.5 percent mark-up

3.5 percent mark-up

1.99 percent mark-up

3.5 percent mark-up

Dynamic Currency Conversion

3.5 percent mark-up (transaction > = INR 1000)

3.5 percent mark-up (transaction > = INR 1000)

3.5 percent mark-up (transaction > = INR 1000)

1.99 percent mark-up (transaction > = INR 1000)

3.5 percent mark-up (transaction > = INR 1000)

Frequently Asked Questions About SBI Credit Card Charges and Fees

  • ✔️Are there any charges for SBI credit cards?

    Yes, there are certain SBI credit card charges and fees that are levied for owning and using your SBI credit card.

  • ✔️What are the different fees & charges on SBI credit cards?

    The most common SBI credit card charges, as well as fees that are levied on SBI credit cards, include SBI credit card annual fees, SBI credit card late payment charges, SBI credit card over-limit charges, SBI credit card finance charges, etc.