The two fees
| Transport | Fuel | |
|---|---|---|
| Fee | 1% | 1% |
| Applies when | One payment is above ₹30,000 | The cycle's fuel total is above ₹50,000 |
| Charged on | That payment | All fuel spends in the cycle |
| MCCs | 4111 commuter, 4131 bus, 4784 tolls | 5172, 5541, 5542, 5983 |
Check your fee
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Fee ₹400 + GST1% of ₹40,000, charged on the full payment.
Fee ₹600 + GST1% of ₹60,000, charged on all fuel spends in the cycle.
Good to know
- Applies to: every SBI credit card, from 1 December 2026.
- GST: applies on top of the fee.
- Not stated by SBI: a fee cap, or how it works with the fuel surcharge waiver.
- Not covered: air, rail and cab bookings aren't in SBI's MCC list, so they shouldn't attract the fee.
- MCCs: set by the card networks and can change without notice.
- Tip: move fuel to another card once the cycle nears the limit, and split big transport payments where the merchant allows it.
- Other fees: this SBI notice covers only these two new fees, nothing else.
On this site
Sources
Based on the official sources above. This site is independent and not affiliated with SBI Card or any other bank. Nothing here is financial advice.