SBI Credit Card update: These charges will change for credit card holders from September 16, 2025

SBI Card announced that all its existing credit Card Protection Plan (CPP) customers will be automatically shifted to updated plan variants at the time of their policy renewal from September 16, 2025, onwards. The migration of all these CPP customers will be applicable from the renewal due date of their respective policies. Customers will be informed about the migration via SMSes and emails at least 24 hours before the renewal, SBI Card said in an update.

According to the SBI Card website, “W.e.f. 16 September 2025, all CPP customers will be automatically migrated to the updated plan variants based on their respective renewal due dates.”
The charges for the updated CPP variants are less than for the previous variants. (see tables below)

Card Protection Plan (CPP)

CPP (Card Protection Plan) is a comprehensive card protection service company. It safeguards registered customers in cases of card losses or thefts, according to SBI Card’s website. With CPP, SBI Card customers get benefits like, protection in case of the card being lost or stolen, emergency card blocking services, assistance with important documents such as driving licence and passport details.
Card Protection Plan (CPP) also provides customers protection against frauds such as transactions involving PIN-based frauds, phishing, tele-phishing and transactions where an OTP is not required (if card is lost/stolen), for amounts up to Rs 3 lakh, depending on the product variant. The plan comes in three variants: Classic, Premium, and Platinum.

Also read: SBI credit card rule change: No reward points on digital gaming platform spends

Revised features as per the updated plans

Benefit Summary	Card Protection Plan
Category	Benefits in detail	Classic	Premium	Platinum
Card Blocking	Single Call to Block Lost Cards	Yes	Yes	Yes
Mobile benefits	SIM Card Blocking Service	Yes	Yes	Yes
Emergency Travel Assistance	Emergency Advance - Hotels - Abroad	Rs. 80,000	Rs. 120,000	Rs. 160,000
Replacement Travel Ticket Advance - Abroad	Rs. 80,000	Rs. 120,000	Rs. 160,000
Credit Analysis Benefit	Credit Fit Program	Yes	Yes	Yes
Complimentary Fraud Protection	Protection against frauds (Transactions involving PIN based Frauds, Phishing, Tele-phishing and Transactions where OTP is not required (if card is lost/stolen))	Upto Rs. 100,000	Upto Rs. 100,000	Upto Rs. 100,000
Number of days covered (prior to notification)	30 days	30 days	30 days
Protection against Card Frauds (card present or card not present transactions - other than the transactions listed above)	up to Rs. 25,000	up to Rs. 25,000	up to Rs. 25,000
up to Rs. 100,000	up to Rs. 100,000	up to Rs. 100,000
Mobile Wallet Protection (per Membership) - If there is a simultaneous physical loss of the device	Upto Rs 10,000	Upto Rs 10,000	Upto Rs 10,000
Upto Rs 50,000	Upto Rs 50,000	Upto Rs 50,000
Members covered	Number of members covered under membership	Primary (1 member)	Primary + Spouse	Primary + Spouse + Parents (4 members)
(2 members)
MRP in Rs. (incl. of taxes)	999	1,499	1,999

Revised plan to be setup as per the table below-

Existing Plan	Price	Revised Renewal Plan	Price
CLASSIC LITE	1199	CLASSIC	999
CLASSIC PLUS	1899
PREMIUM PLUS	2499	PREMIUM	1499
PLATINUM PLUS	3199	PLATINUM	1999

What is the registration process for CPP?
SBI Card said that after paying the fee, CPP will dispatch a welcome kit to the customers with their unique membership number on the same. There will also be a registration form that customers need to fill and send back to CPP. Alternatively, they can also call up the CPP call centre to register their cards and documents.

Also read: SBI credit card rule change: These SBI credit card customers will not get reward points on digital gaming platforms

Why should customers get their driving licence & passport number registered?
In case customers need their DL or the Passport card number and they are not carrying them, the customers can call an SBI Card executive who will provide the required numbers.

What is CPP?
CPP is India’s first comprehensive card protection company, which covers the customer’s card in the event of card loss or stolen. CPP India is a subsidiary of CPP group headquartered in the UK, as per SBI Card FAQs.