SBI card rule change from July 15: Pay higher minimum due amount in your next credit card bill; will it mean faster repayment?

State Bank of India (SBI) Cards will modify the minimum amount due calculation from July 15, 2025. The new method ensures full settlement of charges each month, however, due to this credit card holders may see higher MAD payments. Paying only the minimum amount due (MAD) will not quickly pay off credit card debt as experts say it can take 85 to 90 months.