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Explore Credit Cards

There are millions of credit card users in India who enjoy great deals and offers on various brands. They also provide individuals with a huge credit limit and thus make it easy for individuals to borrow on their credit cards in an emergency. But some individuals fail to repay those debts before the due date and thus the bank levies late payment charges on their bills. So, you must be aware of the late payment fees before you default on credit card bill payments. Now, let’s explore the late payment charges of credit cards belonging to different banks.

Credit Card Late Payment Charges of Different Banks

In the table given below, you can see the minimum and maximum charges that will be charged by different banks if you don’t pay the credit card bill on time or after the due date.

Details of Late Payment Charges of Credit Cards for Various Banks

Each bank sets its own late fee schedule, usually tied to tiers of outstanding balance. Commonly, issuers publish a chart: small dues incur a nominal fee, and larger dues incur higher penalties. Now, let us find out the exact amount of the late payment fees that you will have to pay on a certain outstanding amount.

SBI Credit Card Late Payment Fees

• NIL for the amount due between ₹0 to ₹500.
• ₹400 for the amount due between ₹501 to ₹1000.
• ₹750 for the amount due between ₹1001 to ₹10000.
• The charge is ₹950 for the amount due between ₹10001 to ₹25000.
• ₹1100 for the amount due between ₹25001 to ₹50000.
• ₹1300 for the amount due above ₹5000.

HDFC Credit Card Charges for Late Payment

• NIL for the amount due is less than ₹100.
• ₹100 for the amount due between ₹100 to ₹500.
• You will have to pay ₹500 for the amount due between ₹501 to ₹5000.
• The charge is ₹600 for the amount due between ₹5001 to ₹10000.
• ₹800 for the amount due between ₹10001 to ₹25000.
• The charge will be ₹950 for the amount due above ₹25000.

Late Payment Charges for ICICI Credit Card

• NIL for the amount due is up to ₹100.
• ₹100 for the amount due between ₹101 to ₹500.
• You will have to pay ₹500 for the amount due between ₹501 to ₹10000.
• The charge is ₹750 for the amount due above ₹10000.

Late Payment Fees for Axis Bank Credit Card

• NIL if the amount due is up to ₹300.
• ₹100 if the amount due is between ₹301 to ₹500.
• ₹500 for the amount due between ₹501 to ₹1000.
• The late payment charge is ₹750 for the amount due between ₹1001 to ₹10000.
• ₹950 if the amount due is between ₹10001 to ₹25000.
• The charge will be ₹1000 for the amount due between ₹25001 to ₹50000.
• The charge is ₹1200 for the amount due above ₹50000.

RBL Bank Credit Card Late Payment Charges

• 15% of the Minimum Amount due to a minimum of ₹50.
• 15% of the Minimum Amount due to a maximum of ₹1000.

HSBC Credit Card Charges for Late Payment

• 100% of the Minimum Amount due to a minimum of ₹250.
• 100% of the Minimum Amount due to a maximum of ₹1200.

Standard Chartered Credit Card Late Payment Fees

• Zero for the amount due is up to ₹100.
• The charge will be ₹100 for the amount due between ₹101 to ₹500.
• You will have to pay INR 500 if the outstanding amount is between ₹501 to ₹5000.
• ₹700 if the outstanding amount is between ₹5001 to ₹15000.
• The charge will be ₹800 for the amount due is above ₹15000.

Late Payment fees of Top Credit Cards 2025

Credit Card	Issuing Bank	Late Payment Charges (per statement)
HDFC Diners Club Black Metal Edition	HDFC Bank	≤Rs.100: Nil;  Rs.101 – Rs. 500: Rs. 100;  Rs. 501 - Rs. 5,000: Rs. 500; ₹5,001 –₹10,000: ₹600;  ₹10,001 –₹25,000: ₹800; ₹25,001–₹50,000: ₹1,100; >₹50,000: ₹1,300
HDFC Regalia Gold	HDFC Bank	Same schedule as above for all HDFC cards (except Infinia)
HDFC Millennia	HDFC Bank	Same schedule as above for all HDFC cards (except Infinia)
Axis Bank Reserve Credit Card	Axis Bank	≤₹500: Nil;  ₹501 – ₹5,000: ₹500;  ₹5,001 – ₹10,000: ₹750; >₹10,000: ₹1,200
Axis Bank Atlas Credit Card	Axis Bank	Same schedule as above for all Axis cards (standard Rate)
Axis Bank SELECT Credit Card	Axis Bank	Same schedule as above
Axis Bank Flipkart Credit Card	Axis Bank	Same schedule as above
Amazon Pay ICICI Bank Credit Card	ICICI Bank	≤₹100: Nil;  ₹101–₹500: ₹100;  ₹501–₹1,000: ₹500; ₹1,001–₹5,000: ₹600; ₹5,001–₹10,000: ₹750; ₹10,001–₹25,000: ₹900; ₹25,001–₹50,000: ₹1,100; >₹50,000: ₹1,300
MakeMyTrip ICICI Bank Credit Card	ICICI Bank	Same schedule as above for all ICICI cards (w.e.f Nov 15, 2024)
ICICI Bank Emeralde Private Metal Card	ICICI Bank	Same schedule as above
SBI Card PRIME	SBI Card	≤₹500: Nil;  ₹501–₹1,000: ₹400; ₹1,001–₹10,000: ₹750; ₹10,001–₹25,000: ₹950; ₹25,001–₹50,000: ₹1,100; >₹50,000: ₹1,300
SBI Card ELITE	SBI Card	Same schedule as above for all SBI Card credit cards
SBI Cashback Credit Card	SBI Card	Same schedule as above
American Express Platinum Travel Card	American Express	30% of Minimum Due (subject to minimum ₹500, maximum ₹1,000)
American Express Membership Rewards	American Express	30% of Minimum Due (min ₹500, max ₹1,000)
SC Manhattan Platinum	Standard Chartered Bank	≤₹100: Nil;  ₹101–₹500: ₹100;  ₹501–₹5,000: ₹500; ₹5,001–₹10,000: ₹700;  >₹10,000: ₹1,200
IndianOil RBL Bank XTRA	RBL Bank	12.5% of outstanding (Min ₹5, Max ₹1,300)
Kotak Royale Signature	Kotak Mahindra Bank	≤₹500: ₹100;  ₹500.01– ₹10,000: ₹500;  > ₹10,000: ₹700
IndusInd Bank Celesta (AmEx)	IndusInd Bank	≤₹100: Nil;  ₹101–₹500: ₹100;  ₹501–₹1,000: ₹350; ₹1,001–₹10,000: ₹550; ₹10,001–₹25,000: ₹800; ₹25,001–₹50,000: ₹1,100; >₹50,000: ₹1,300

Reasons to Pay Your Credit Card Bills on Time

Here are some important reasons to pay your credit card bills on time:

• When late payment fees for not paying the previous credit card bill gets added up to your next credit card bill, the burden of your debt increases in the next credit card billing cycle.
• If you do not pay your outstanding dues or pay only the minimum amount due, the remaining outstanding will attract interest and will be carried over to the next billing cycle along with the interest and the late payment charges, increasing the debt liability. 
• Paying your bill 60 days after the due date can lead to multiple negative consequences. This includes late payment fees, enhanced interest charges, and hence an increased debt obligation. Besides, even a single late payment is detrimental to your credit score. Here is how late payments affect your credit score.

Duration	Impact
7 day late payment	A payment late by 7 days does not impact your credit score much. Sometimes, it may not even be reported to the credit bureaus. However, constantly making late payments will lead to a huge dip in your credit score over time.
Late payments less than 30 days	A late payment less than 30 days can lead to a negative impact on your credit score. For example, a 16 day late payment can knock off 50 to 100 points from your credit score, depending on your credit history.
30 day late payment	This may lead to a drop of 90 to 110 points in your credit score
60 day late payment	Creditors usually report defaults after 60 days, So, the impact is even higher at this stage. It can lead to a dip of around 130 to 150 points in your credit score.
90 day late payment	This is a heavy delay and may even lead to legal actions or collections against the borrower. It could lead to a severe and long lasting drop.
Above 120 days	Long term damage Challenges in obtaining future loans  Challenges in obtaining favorable interest rates.

Tips to Avoid Late Payment Fees

• Set Reminders: Use SMS, email or app alerts to remind you a few days before the due date.

• Use Auto-Pay: Enroll in auto-debit to pay at least the minimum due (or full amount) automatically on or before the due date.

• Monitor Statements: Regularly check your credit card billing statements and calendar for upcoming due dates. Mistakes happen if you overlook a statement.

• Adjust Billing Cycle: RBI allows a one-time change of your billing date for convenience. If the current due date falls at an inconvenient time, consider resetting it.

• Pay More Than Minimum: Whenever possible, pay the entire statement balance rather than just the minimum to avoid carrying debt (and fees) forward.

• Check Fee Disclosures: When comparing credit cards (Even the best ones), read the fee schedule. Even “lifetime free” cards have other fees and charges (including late payment fees). Know the penalty amounts for the cards you use.
   
• Request a Waiver: If you have a good history and make a one-off mistake, you can ask customer service for a one-time waiver. Some banks may consent as a gesture of goodwill, though it’s not guaranteed. 

By following these steps, you can minimize the risk of incurring any late fees or the attendant credit damage.

Conclusion

Credit cards are great financial tools, but they must be used properly and with care. Mishandling like not paying your bills on time will lead to a debt burden. Accumulating the quantum of your credit card bills by incurring interest and late payment charges due to untimely or non-payment of your bills will lead to a huge debt obligation. If you have a high outstanding amount, and you are paying it after the due date, then it is obvious that you will have to pay a high late payment fee. Nowadays, banks have made it easier by enabling you to make an online payment of credit card bills to avoid late payment charges. So, you must ensure that you pay the bills of your credit cards on time before the due date. 

FREQUENTLY ASKED QUESTIONS

1. What are late payment charges on credit cards in India?

Late payment charges on credit cards in India are penalties imposed by the bank when you fail to pay the minimum due amount by the billing due date. These charges vary from bank to bank and depend on the outstanding balance. They can range from ₹100 to over ₹1300.

2. How much is the late payment fee for SBI credit card?

SBI credit card late payment fees start at Rs. 400 for dues between Rs. 501–Rs. 1000 and go up to Rs. 1300 for dues above Rs. 50,000. No charge is imposed if the outstanding is Rs. 500 or below.

3. What happens if I pay my credit card bill 5 days late?

If you pay your credit card bill 5 days late, you may be charged a late payment fee and interest on the unpaid balance. A small delay may not have a great impact on your credit score if it’s within the bank’s grace period, but consistent delays will damage your credit profile.

4. Do late credit card payments affect CIBIL score?

Yes, late credit card payments have a harmful effect on your CIBIL score. A 30-day delay can reduce your score by 90–110 points. Defaults of 60+ days can lead to significant damage and impact future loan approvals.

5. Can I get a waiver on credit card late payment fees?

Yes, many banks offer a one-time waiver on late payment charges if you have a good repayment history. You can contact customer care and request a goodwill reversal, although approval is not guaranteed.