Irctc Rupay SBI Card

Redemption value

• Rewards Redemption Fee: ₹99 (applicable on physical products, statement credit and vouchers sent physically, for all cards except AURUM).
• Reward Points accrued are valid for 24 months (for all cards except AURUM) and expire on the last day of the 24th month.
• For AURUM the Reward Points never expire.

Verified · mitc · 2026-08-20 · source

Lounge access

• Airport Lounge visits within India through International Lounge Access Programs (like Priority Pass) will be charged a usage fee of up to USD 27 per visit + applicable taxes.
• Airport Lounge visits outside India through International Lounge Access Programs, after exhausting complimentary visits, will be charged up to USD 27 per visit + applicable taxes.

Verified · mitc · 2026-08-20 · source

Welcome benefit

Confirm on the official page

Forex markup

Foreign Currency Transaction Fee: 3.5% (for all cards except AURUM, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/Miles Prime/Miles). 3% for SBI Card Miles, 2.5% for SBI Card Miles Prime and 1.99% for AURUM, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite.

Verified · mitc · 2026-08-20 · source

Charge

• Finance charges: up to 3.75% per month (45% per annum) for unsecured cards.
• 2.75% p.m. (33% p.a.) for Shaurya, Defence and Secured cards, from transaction date.
• Minimum finance charge ₹25.
• Cash advance fee: 2.5% of transaction amount subject to minimum ₹500 at domestic (SBI/Other) ATMs and international ATMs.
• Cash payment fee: ₹250 + applicable taxes.
• Cheque payment fee: ₹200.
• Payment dishonour fee: 2% of payment amount subject to minimum ₹500.
• Over Limit fee: 2.5% of overlimit amount or ₹600 whichever is higher, once per billing cycle.
• Late payment charges: Nil for ₹0-₹100.
• ₹100 for >₹100 & up to ₹500.
• ₹500 for >₹500 & up to ₹1,000.
• ₹750 for >₹1,000 & up to ₹10,000.
• ₹950 for >₹10,000 & up to ₹25,000.
• ₹1,100 for >₹25,000 & up to ₹50,000.
• ₹1,300 for >₹50,000.
• Additional Late Payment Charge of ₹100 on missing MAD for two consecutive cycles.
• Card Replacement Fee: ₹100 - ₹250 (₹1,500 for Aurum).
• Foreign Currency Transaction Fee: 3.5% (standard cards).
• Dynamic Currency Conversion Fee: 3.5% (standard cards) on transactions >= ₹1,000.
• Processing Fee on Rent Payment Transactions: ₹199.
• Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
• Fee on Education Payments: w.e.f. 1st Nov 2025, 1% on payments via third-party apps.
• Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
• Add on Fee (p.a.): Nil.

Verified · mitc · 2026-08-20 · source

Interest-free period

• Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
• Suspended if any balance of the previous month's bill is outstanding.
• For cash advances, interest is charged from the date of transaction until the date of payment.

Verified · mitc · 2026-08-20 · source

Official terms

https://www.sbicard.com/en/cardholder-agreement.page.

Verified · charges · 2026-08-20 · source