From November 1, 2025, new rules will kick in for SBI credit cardholders. India’s largest credit card issuer has updated its fee structure, and while some payments will remain unaffected, others may now cost you extra. The changes mainly target transactions like paying school or college fees through third-party apps and loading money into digital wallets above a certain limit.

According to the SBI, the reason behind the update is the rising cost of processing these transactions. While the bank covers some of it, customers will now need to absorb part of the cost. Though not all payments attract these fees. Direct payments at schools or small wallet top-ups will continue to be free.

Here’s a full breakdown of what’s changing and what stays the same:

Education Payments

If you pay school

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