SBI Credit card rules: New rules have been fixed for SBI credit card users, which will come into effect from September 1, 2025. This will have a direct impact on earning and using reward points. Earlier also there were changes in 2024, now some conditions are being tightened again.
SBI Credit card : People always consider the reward points received on payment through credit card as a bonus. The habit of collecting points everywhere, be it shopping, bill payment or online gaming, has now become common. But now SBI Card has made a big change in the rules of its reward program. These new rules will come into effect from 1 September 2025.
Which cardholders will be affected
According to the information given on the SBI website, customers of Lifestyle Home Center SBI Card, Lifestyle Home Center SBI Card Select and Lifestyle Home Center SBI Card Prime will no longer get any reward points on payments made on digital gaming and government portals. That is, expenses of these special categories have now been excluded from the list of earning points.
Changes have been made earlier also
The bank keeps updating its program from time to time. Last time in December 2024, SBI Card stopped reward points on digital gaming. So that the use of the card is related to need and responsibility, not just for extra benefits.
Not only SBI, but HDFC Bank also made a similar change in June 2025. From July 1, no points are being given on skill-based online gaming transactions.
How to use reward points
Now the question is, what about the points that are already there? So according to SBI Card, a fee of Rs 99 and tax has to be paid on reward redemption. Products purchased with points are delivered only to the registered address of the cardholder. On the other hand, if you want to pay the outstanding amount with points, then it is necessary to use at least 2,000 points. It is also worth noting that the points of different SBI cards cannot be transferred or merged among themselves.
It is no longer as easy to take advantage of reward points as it was earlier. Credit card companies are constantly changing their policies. In such a situation, it is important for customers to read the rules of their cards carefully and spend accordingly, so that along with taking advantage, losses can also be avoided.
