Business • Jul 02, 2025

SBI credit card rules undergoing major changes

Big update if you use SBI Elite, Prime, Pulse, IRCTC, or other co-branded cards:
From July 15, 2025, the minimum amount due (MAD) will go up.
Now it'll include the full EMI amount, GST, all fees and charges, plus 2% of any leftover balance.
Basically, you might need to pay more each month to avoid late fees.

TL;DR

How your payments will be applied now

SBI Card will also change how your payments are applied—GST gets paid off first now before anything else like EMIs or retail spending.
And heads-up: from August 11, 2025, complimentary air accident insurance (worth ₹50 lakh-₹1 crore) on these cards is being discontinued.
So if you rely on that perk when you travel, it's worth making a note.