Reliance SBI Card

Charge

• Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
• Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum finance charge ₹25.
• Cash Payment Fee: ₹250.
• Payment Dishonor Fee: 2% of payment amount (min ₹500).
• Cheque Payment Fee: ₹200.
• Late Payment Charges: Nil up to ₹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 ₹100 on missing MAD for two consecutive cycles.
• Overlimit Fee: 2.5% of overlimit amount (min ₹600).
• Card Replacement Fee: ₹100-₹250.
• Dynamic Currency Conversion Fee: 3.5%.
• Rewards Redemption Fee: ₹99.
• Processing Fee on Rent Payment Transactions: ₹199.
• Utility Payments Fee: w.e.f. 1st Dec 2024, 1% if total utility payments exceed ₹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.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards) · 2026-08-04 · source

Interest-free period

Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards) · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver (excluding GST) shall be provided for eligible transaction value on select cards.
• Fuel surcharge is 1% of transaction amount + applicable taxes.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards) · 2026-08-04 · source

Redemption value

• Rewards Redemption Fee: ₹99 (applicable on physical products, statement credit and vouchers sent physically).
• Reward Points are valid for 24 months and expire on the last day of the 24th month if not redeemed.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards) · 2026-08-04 · source