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SBI Credit Card Fees, Charges & Interest

Before opting for or using an SBI credit card you should understand the SBI credit card fees, charges & interest levied on them. Although credit card comes with benefits like rewards, cashback and an easy payment process, you need to be careful about the costs like annual fees, finance charges, late payment fees, cash withdrawal fees,etc which would add up to your overall expenditures.

The exact charges depend on the SBI credit card variant and the type of transaction. Cardholders should therefore check the applicable terms and conditions for their specific card.

SBI Credit Card Annual Fee

The SBI credit card annual fee varies depending on the card. SBI Card states that annual and renewal fees can range from ₹0 to ₹9,999 plus applicable taxes. Premium cards generally have higher fees, while some cards may have no annual fee.

In the case of some cards, there are also annual-fee waivers on fulfillment of a certain spending amount on card during last year. For instance SBI Card lists current conditions for annual fee waiver for various cards like AURUM and SBI Card ELITE on their website.

Fee Type	Current SBI Card Range
Annual Fee	₹0–₹9,999 + applicable taxes
Renewal Fee	₹0–₹9,999 + applicable taxes
Add-on Card Fee	Generally Nil, depending on card

Because fees can differ by card, always verify the charges shown for your particular card before applying.

SBI Credit Card Charges You Should Know

Apart from the annual fee, an SBI credit card may have charges associated with specific activities. These can include cash advances, late payments, payment dishonour, over-limit transactions, foreign currency transactions and card replacement.
For the latest applicable fees and charges, cardholders should check SBI Card’s Most Important Terms and Conditions.

For example, SBI Card currently lists a cash advance fee of 2.5% of the transaction amount, subject to a minimum of ₹500 for domestic and international ATM cash withdrawals. An over-limit fee can also apply when transactions exceed the permitted credit limit.

Type of Charge	Indicative Charge
Cash Advance Fee	2.5% of amount, minimum ₹500
Cheque Payment Fee	₹200
Payment Dishonour Fee	2% of payment, minimum ₹500
Over-limit Fee	2.5% of over-limit amount, minimum ₹600
Card Replacement	₹100–₹250 for many cards; card-specific charges may apply

Applicable taxes may be charged in addition to the listed fees.

SBI Credit Card Interest Rate

The SBI credit card interest rate is generally represented through finance charges when you do not pay your total outstanding balance by the due date.

SBI Card currently states finance charges of up to 3.75% per month (45% per annum) for unsecured cards. For certain Shaurya, Defence and secured cards, the published rate is 2.75% per month (33% per annum). These rates are subject to the applicable card terms and may change.

Retail purchases can receive an interest-free credit period of approximately 20–50 days, provided the previous month’s outstanding balance has been paid in full. The interest-free period does not generally apply to cash advances.

SBI Credit Card Finance Charges

SBI credit card finance charges can become significant when you carry an unpaid balance. Finance charges may apply to outstanding purchases and cash advances until the amount is fully repaid.

For cash withdrawals, finance charges apply from the date of the transaction. SBI Card also specifies a minimum finance charge of ₹25, excluding applicable taxes, for relevant transactions.

This is why paying only the minimum amount due can be considerably more expensive than clearing the complete statement balance. SBI Card itself warns that paying only the minimum amount can stretch repayment over a long period and result in additional interest costs.

SBI Credit Card Late Payment Fee

The SBI credit card late payment fee depends on the outstanding amount. SBI Card revised certain late payment charges effective 1 May 2026. The current published schedule includes the following:

Outstanding Amount Due	Late Payment Charge
₹0–₹100	Nil
More than ₹100–₹500	₹100
More than ₹500–₹1,000	₹500
More than ₹1,000–₹10,000	₹750
More than ₹10,000–₹25,000	₹950
More than ₹25,000–₹50,000	₹1,100
More than ₹50,000	₹1,300

An additional late payment charge may also apply when the Minimum Amount Due is missed for two consecutive billing cycles.

How to Reduce SBI Credit Card Charges

The easiest way to control SBI credit card charges and interest is to pay the total amount due by the payment deadline. Avoid withdrawing cash unless necessary because cash advances can attract both transaction fees and finance charges from the withdrawal date.

Before choosing a card, compare its annual fee, renewal-fee waiver conditions, interest rate, cash withdrawal fee and other applicable charges. Also monitor your monthly statement so that unexpected fees can be identified quickly.

Conclusion

If you know the SBI Credit Card Fees, Charges & Interest of your credit card, you can use your credit card wisely and save unnecessary expenses on your credit card. Annual fee will differ from card to card, whereas finance charge becomes costly if your payment does not come before the due date. Late payment and cash advance charges will also add to additional expenses.

The most reliable way is to compare to the latest and current SBI Card terms & conditions of your card for updated charges, rate andwaiver conditions; as the charges of the card may change from time to time.