Blogs > SBI Credit Card Reward Points Update – What’s New in 2025?

SBI Credit Card Reward Points Update – What’s New in 2025?

SBI Credit Card Reward Points Update – What’s New in 2025?

The State Bank of India (SBI Card) has rolled out significant changes to its reward program, effective September 2025. Customers will see:

No reward points on digital gaming & government transactions (from 1 Sept 2025).
Revised Card Protection Plan (CPP) charges with lower renewal fees (from 16 Sept 2025).
Removal of complimentary air accident insurance on certain premium cards (from 11 Aug 2025).

These updates impact millions of SBI credit card holders across India, and it’s crucial to understand how your benefits may change.

👉 Looking for alternatives? Compare best credit cards in India on IndiaLends.

Matrix: SBI Credit Card Reward Points Changes

Change	Effective Date	Details	Impact on Users
Reward points exclusion	1 Sept 2025	No points on digital gaming platforms & government portal transactions (NDTV Profit)	Lifestyle Home Centre SBI Card variants and select others
CPP Plan revision	16 Sept 2025	Renewal fees cut: Classic – ₹999, Premium – ₹1,499, Platinum – ₹1,999. Benefits adjusted (Economic Times)	All SBI Card users with CPP
Insurance removal	11 Aug 2025	Complimentary air accident insurance discontinued on some Elite & Prime cards (ET Wealth)	Premium cardholders

👉 Check eligibility before applying for a new SBI credit card.

How Do These Updates Affect You?

1. Gamers & government bill payers – If you spend often on gaming apps or government portals, you’ll lose out on points.

2. CPP subscribers – You’ll pay less for card protection but with revised coverage limits.

3. Frequent flyers – No more complimentary air accident cover; consider other cards with travel insurance.

👉 See the list of best travel credit cards for better benefits.

Reward Points Validity & Redemption

Reward points are valid for 24 months from the date of accrual.
Redemption fee: ₹99 + GST per request (waived in case of voluntary closure).
Redeem via SBI Card Rewards Catalogue.

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FAQs on SBI Credit Card Reward Points Update

Q1. What is the latest change in SBI Credit Card reward points?
From 1 Sept 2025, SBI will stop awarding points on spends at digital gaming platforms and government portals.

Q2. Which SBI cards are affected?
The update applies to Lifestyle Home Centre SBI Card (Classic, Select, Prime) and other selected cards.

Q3. What about my Card Protection Plan (CPP)?
Renewals from 16 Sept 2025 will be auto-migrated to revised plans with lower fees and updated coverage.

Q4. Do SBI Credit Cards still offer insurance benefits?
Yes, but complimentary air accident insurance was discontinued on some premium cards from 11 Aug 2025.

Q5. Can I still redeem my existing reward points?
Yes, reward points remain valid for 24 months and can be redeemed via the SBI Card portal.

Final Thoughts

The latest SBI Credit Card reward program update (Sept 2025) reduces reward scope on gaming & government spends but lowers CPP costs. If you rely on these spends for points or need travel insurance, consider comparing alternatives.

👉 Apply for the right SBI Credit Card via IndiaLends and maximize your rewards.