Order of Payment Settlement

Settlement of your total payment is done in the following order:

• •GST
• •EMI amount
• •Fees/Charges
• •Finance charges
• •Retail Spends
• •Cash Advance

W.e.f. 15 Jul’25, the Order of Payment Settlement will be as follows: Payment received against the Cardholder's outstanding will be adjusted against 100% of GST, 100% of EMI amount, 100% of Fees/Charges, 100% of Finance charges, Balance transfer, Retail Spends and Cash Advance, in that order.

Applicable Taxes means:

• •For the cardholders having state of residence in the records of SBI Card on the statement date as “Haryana” - Central Tax @ 9% and State Tax @ 9%
• •For the cardholders having state of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%