If you are a user of SBI Credit Card, an important update has been announced regarding reward points. SBI Card has revised its reward redemption guidelines, and the new rules will come into effect from April 1, 2026 . These changes may affect how customers convert reward points into statement credits.
Here is a clear breakdown of the latest updates.
Monthly Redemption Limit Introduced
Under the new rules, cardholders will be able to redeem a maximum of 60,000 reward points per card per month for statement credit.
For example, if a customer has 75,000 reward points, they will only be able to redeem 60,000 points in a single month. The remaining 15,000 points will have to be redeemed in the following months.
However, this monthly redemption cap will not apply to certain premium cards, including:
Air India SBI Signature Card
PhonePe SBI Card PURPLE
PhonePe SBI Card SELECT BLACK
These premium cards will continue to have more flexible redemption options.
Redemption Allowed Only in Fixed Multiples
Another major change relates to how reward points can be redeemed. From April 1, 2026, points can only be redeemed in multiples of 4,000.
Examples of valid redemption amounts include:
4,000 points
8,000 points
12,000 points
16,000 points
Up to 60,000 points per month
Again, PhonePe SBI Card PURPLE and PhonePe SBI Card SELECT BLACK are exempt from this rule.
Updated Reward Point Forfeiture Rules
SBI Card has also tightened the rules related to reward point validity and forfeiture.
Key changes include:
Reward points may be forfeited within 90 days from the cashback posting date.
Points linked to instant discount offers can be forfeited within 120 days from the month in which the offer ends.
Customers who earn points through promotional offers should therefore track redemption timelines carefully to avoid losing them.
Changes to Domestic Airport Lounge Access
Another update affects cardholders who use domestic airport lounge services.
From January 10, 2026, SBI Card has divided its domestic lounge access program into two separate categories. Access eligibility will now depend on the specific type of credit card a customer holds.
This means lounge benefits may vary depending on the card variant.
How to Redeem Reward Points Using the SBI Card App
Redeeming reward points remains simple and can be done through the mobile application.
Steps to redeem reward points:
Open the SBI Card mobile app and log in.
Tap on the "More" option.
Select "Rewards."
Click on "Redeem."
Add the desired product or option to the cart.
Tap "Redeem Cart" and proceed to checkout.
Once completed, the selected redemption option will be processed according to the new rules.
What Cardholders Should Do Now
With the new rules taking effect from April 1, 2026, customers should review their reward point balances and plan redemptions accordingly.
If you have accumulated a large number of reward points, it may be useful to:
Check whether your card falls under the new rules
Plan redemptions in monthly batches
Track offer-related points before they expire
Understanding these changes will help ensure you maximize the value of your reward points without losing them due to new restrictions.