SBI Card adds 1% fee on big fuel and transport spends from 1 Dec 2026

SBI Card is adding two new 1% fees from 1 December 2026. If a cardholder's fuel transactions in one billing cycle add up to more than Rs 50,000, SBI Card charges 1% on the total fuel spend for that cycle. Separately, every transportation transaction above Rs 30,000 attracts a fee of 1% of the transaction amount.

Both changes are on the SBI Card notices page for cardholders, each with a website notice date of 27 October 2026. The notices do not limit them to named cards, so they read as applying across SBI Card credit cards.

The fuel fee is on the whole amount, not only the part above the limit. SBI Card identifies fuel by merchant category codes 5172, 5541, 5542 and 5983. A cycle with Rs 50,000 of fuel or less pays nothing. A cycle with Rs 60,000 of fuel pays 1% of Rs 60,000, which is Rs 600.

The transport fee works per transaction. SBI Card identifies transportation by merchant category codes 4111, 4784 and 4131, and charges 1% only when a single such transaction exceeds Rs 30,000.

These sit alongside SBI Card's older charges of the same kind on the same notices page. Since 1 December 2024, utility payments above Rs 50,000 in a billing cycle attract 1% on the total. Since 1 November 2025, wallet loads above Rs 1,000 and education payments through third-party apps attract 1%.

Cards on our site most exposed to the fuel fee: BPCL SBI Card and BPCL SBI Card Octane. See all SBI Card cards and other fuel credit cards.