Important SBI Credit Card Rule Changes Starting September 2025 – What You Need to Know

SBI is changing its credit card policies from September 1, 2025, affecting reward points, card protection plans, and more. Read about the new rules, how they impact you, and what actions you need to take.

What You Need to Know About SBI Credit Card Rule Changes Starting in September 2025

A lot of people who have SBI credit cards will be affected by big changes to the rules in September 2025. The goal of these changes is to make card advantages easier to understand while also adding additional rules for certain transactions and services. If you already have an SBI card or are thinking about getting one, you need to know how these changes may affect you. Let’s go over the changes, how they will change how you spend money, and what you need to do next.

1. Discontinuation of Reward Points on Certain Transactions

Beginning on September 1, 2025, SBI will stop giving reward points for purchases made with certain credit cards in certain categories. This change means that you won’t get any reward points for purchases that have to do with the following:

• Online Gaming Platforms and Merchants: Buying anything that has to do with digital gaming or gaming-related services will no longer add to your reward points.
• Payments and Services from the Government: Any payments or services that have to do with the government, such as taxes, fines, and government bills, will not earn you reward points.

These modifications only affect some SBI card types, such as the Lifestyle Home Centre SBI Card and its premium counterparts, like the Lifestyle Home Centre SBI Card Prime.

What This Means for You:

If you often use your SBI card to play games or do business with the government, you should change how you spend your money. You can no longer earn points in these categories, so you may need to find other ways to maximize your card.

2. Automatic Transition to New Card Protection Plan (CPP)

Beginning on September 16, 2025, SBI will automatically move current Card Protection Plan (CPP) members to a new plan variant when their policy is up for renewal. This move will make the CPP’s protective features better. For instance, it will provide coverage for your card in the event of loss, theft, or fraudulent use.

What This Means for You:

You don’t need to do anything right away if you have the Card Protection Plan. SBI will send you an email and a text message 24 hours before your policy renewal to let you know about the changes. You can look over the new plan’s improved features and decide if they match your needs.

3. Changes to the Minimum Amount Due (MAD) Calculation

SBI changed the way it calculates the Minimum Amount Due (MAD) for all credit card members on July 15, 2025. The updated calculation now has:

• The whole GST on your bill
• The EMI amounts and fees that apply
• Fees for financing
• Fees for going beyond your limit
• 2% of the money you still owe

What This Means for You:

This change raises your minimum payment, helping you pay off more debt. It is very important to keep an eye on your bills and pay them on time to avoid extra fees and keep your credit score high.

4. Stopping free air accident insurance

Earlier in 2025, SBI stopped offering free aviation accident insurance to some cardholders, especially those who had Elite and Prime versions of SBI cards. You will need to get other insurance if you were relying on this benefit.

What This Means for You:

If you have an SBI card that is affected, you will no longer have this insurance benefit. You should think about getting separate travel insurance to protect yourself from possible travel-related dangers.

5. What You Should Do Next

As these changes go into effect, here are the things you need to do:

• Take a look at your spending. If you often pay for things in gaming or government-related categories, organize your future spending so that you can get the most reward points in other areas.
• Check Your Card Protection Plan (CPP): If you are a CPP subscriber, make sure you know about the approaching plan migration and what the new plan will do for you.
• Keep an eye on your bills: The new MAD calculation could change how much you pay each month. Check your statements to make sure you are paying the right amount.
• Seek other travel insurance options: If your card came with free travel insurance, you should seek other travel insurance companies to be sure you’re covered on your excursions.

In conclusion
The upcoming new rules will impact many SBI credit card users. It’s important to stay up-to-date on changes to your credit card, like when certain types of reward points are no longer available or when you switch to a new Card Protection Plan. Watch your statements and get ready for these changes to commence on September 1, 2025.

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