SBI Card Late Fee Charges and Reversal Guide
Last updated: 10 Nov 2026 (Asia/Calcutta). Figures and steps were checked against official issuer and RBI pages on this date. Banks can change fees and app menus; confirm the current schedule before you act.
SBI Card revised its late-payment charges from 1 May 2026. The change looks small on paper — it mainly added fees at the bottom of the table — but it means a leftover outstanding of a few hundred rupees can now attract a late fee that used to be Nil.
Quick answer: Match your outstanding amount due to the official table in the SBI Card MITC (correct as on 23 October 2026) and the 1 May 2026 LPC notice. If the minimum due was missed, the slab fee plus tax can post. A second consecutive missed minimum due can add another ₹100, which then continues until the minimum due is cleared. For a reversal, use the SBI Card app or official contact channels with payment proof. A reversal is discretionary unless the fee itself was billed in error.
This page is not affiliated with any bank. Phone numbers and emails below are copied from official pages we opened on 10 November 2026. If a page and a PDF disagree, treat the latest official document as the source and keep a screenshot.
Official late-payment charges from 1 May 2026
SBI Card’s customer-notices page (notice dated 29 March 2026) and the dedicated LPC PDF say that, with effect from 1 May 2026, late payment charges were revised as follows. The same revised slabs appear in the MITC we opened on 10 November 2026.
| Outstanding amount due | Late payment charge (₹, excl. tax) — w.e.f. 1 May 2026 |
|---|---|
| ₹0 to ₹100 | Nil |
| Greater than ₹100 up to ₹500 | 100 |
| Greater than ₹500 up to ₹1,000 | 500 |
| Greater than ₹1,000 up to ₹10,000 | 750 |
| Greater than ₹10,000 up to ₹25,000 | 950 |
| Greater than ₹25,000 up to ₹50,000 | 1,100 |
| Greater than ₹50,000 | 1,300 |
What changed versus the previous official table in that same LPC notice: the old Nil band was ₹0 to ₹500, and the next band was ₹400 for outstanding greater than ₹500 to ₹1,000. From 1 May 2026, Nil stops at ₹100, a new ₹100 fee applies above ₹100 up to ₹500, and the ₹500-to-₹1,000 band became ₹500. The notice says the rest of the charges remain unchanged.
The extra ₹100 after two missed cycles
The MITC adds: an additional late payment charge of ₹100 will be levied on missing payment of the minimum amount due by the due date for two consecutive cycles, and this charge will continue to be levied for every payment cycle until the minimum amount due is cleared. That is why “I will catch up next month” is expensive. Clear the minimum due first.
SBI Card late-fee calculator
Enter the outstanding amount due that the MITC uses for the slab. The calculator applies the 1 May 2026 table and an 18% GST illustration. It does not add the extra ₹100 for two consecutive missed cycles — check your statement for that line separately.
SBI Card late-payment fee illustration
Slabs from the official SBI Card LPC notice and MITC, checked 10 Nov 2026. Not a bill. Extra ₹100 consecutive-cycle charge is not included here.
Interest is a separate cost
If you do not pay the total amount due, finance charges can apply as well as the late fee. The MITC we checked describes finance charges of up to 3.75% per month (45% per annum) from the effective date of the transaction on unsecured cards, subject to change, with a minimum finance charge of ₹25 exclusive of applicable taxes. Shaurya, Defence and secured cards are described with a different rate in the schedule of charges. Confirm the rate on your own statement. The mechanics are explained in how credit card interest is calculated and the payoff calculator.
Payment hierarchy also matters. The MITC says payments are applied first to 100% of GST, then EMI, fees/charges, finance charges, then other components in a stated order. Paying a lump sum after a late fee does not always do what you expect. For due-date basics see statement vs due date and the minimum amount due trap.
How to request a reversal
- Capture the statement: outstanding due, minimum due, due date, fee line, tax, and any extra ₹100 line.
- Collect payment proof with the credit date, not just the moment you initiated UPI.
- Use the SBI Card app or website first so you have a request number.
- Email customercare@sbicard.com if needed. Helplines listed on the official contact page include 1860 500 1290, 1860 180 1290, 39 02 02 02 (prefix STD code) and toll-free 1800 180 1290, with executives listed as available 8 AM–8 PM, Monday to Saturday.
- Pay at least the current minimum due immediately. The MITC says fee reversals are a credit for the current billing cycle and are not adjusted against the payment due.
- Escalate to Nodalofficer@sbicard.com only after the first response fails, as described in the MITC grievance block.
A late-fee mail is not an annual-fee mail. If both posted, send two clear requests. Annual-fee thresholds are in SBI Card annual fee waiver.
Email template
Subject: Request to review late payment charges on SBI Card ending [XXXX] Dear SBI Card Customer Care, I am the primary cardholder of SBI Card ending [last 4 digits], registered mobile [number] and email [address]. My statement dated [date] shows late payment charges of ₹[amount] plus tax. The payment due date was [due date]. Outstanding amount due was ₹[amount]. I paid ₹[amount] on [date] via [mode], reference [UTR]. Please review this charge against the official late payment schedule. [Choose one: I believe the minimum amount due was paid in time and the fee was levied in error / I missed the due date on this occasion and request a one-time goodwill reversal. This is my first delay in (period).] I have paid / will pay the current minimum amount due on time. Please confirm the decision in writing and note, if a reversal is issued, that it should appear as a credit as described in the MITC. Thank you. [Full name]
Worked examples
Example 1: leftover ₹350 after a partial payment
Before 1 May 2026, an outstanding due of ₹350 sat in a Nil band (₹0 to ₹500) according to the ‘current’ table in the official LPC notice. From 1 May 2026, it sits in the ₹100 band (greater than ₹100 up to ₹500). Plus tax, this is no longer a free miss.
Example 2: outstanding due of ₹8,500
That is greater than ₹1,000 and up to ₹10,000, so the published fee is ₹750 excluding tax. An 18% GST illustration is ₹135, totalling ₹885, before any finance charges and before any extra ₹100 if this is a second consecutive missed minimum due.
RBI’s card conduct Directions (updated 1 October 2026) require clear disclosure of charges. They do not give every cardholder a right to a goodwill reversal. From April 2027, a grace-period change may apply — see the April 2027 explainer — but that does not change a due date that has already passed. For general care routes, see customer care numbers.
FAQ
What are SBI Card late payment charges from 1 May 2026?
SBI Card’s official LPC notice and the MITC we opened list: Nil for outstanding due of ₹0–₹100; ₹100 above ₹100 up to ₹500; ₹500 above ₹500 up to ₹1,000; ₹750 above ₹1,000 up to ₹10,000; ₹950 above ₹10,000 up to ₹25,000; ₹1,100 above ₹25,000 up to ₹50,000; and ₹1,300 above ₹50,000. These figures exclude applicable taxes.
What changed on 1 May 2026?
The official notice revised only the bottom of the table: outstanding above ₹100 up to ₹500 became ₹100 (it was Nil up to ₹500 earlier), and outstanding above ₹500 up to ₹1,000 became ₹500 (it was ₹400). Higher slabs were unchanged in that notice.
What is the extra ₹100 charge?
The MITC says an additional late payment charge of ₹100 will be levied on missing payment of the minimum amount due by the due date for two consecutive cycles, and that this charge continues every cycle until the minimum due is cleared.
Will SBI Card reverse a late fee?
There is no published automatic reversal. Use official care (customercare@sbicard.com, the app, or the helpline on the contact page) with dates and payment proof. Pay the current minimum due while you wait. Fee reversals, the MITC says, are treated as a credit for the current billing cycle and are not adjusted against the payment due.
Is a late fee the same as interest?
No. Finance charges can also apply if you do not pay the total amount due. The current MITC describes finance charges of up to 3.75% per month (45% per annum) on unsecured cards, subject to change, with a minimum finance charge of ₹25 exclusive of taxes.
Does paying a small outstanding still attract a fee now?
Yes, that is the point of the 1 May 2026 revision. An outstanding due of ₹150, which earlier sat in a Nil band up to ₹500, now sits in the ₹100 fee band if it is greater than ₹100 and up to ₹500.
About the author. Written by the Credit Card Customer Care editorial desk. We explain Indian credit-card processes in plain language and link every fee figure to an official issuer or RBI page we opened on the date above. This is general information, not personalised financial, legal or tax advice, and we are not the bank.
Disclaimer: A waiver or reversal is never guaranteed. Spend-based waivers apply only if your card’s current terms say so. After a fee is posted, any reversal is usually a goodwill decision by the issuer. Pay at least the minimum due on time while you wait. Verify charges on your statement and on the issuer’s latest MITC or Key Fact Statement.
