Naye financial year (April 1, 2026) ki shuruat ke saath hi banking sector mein kai bade badlav aa gaye hain. Agar aap SBI, HDFC, PNB, ya Bandhan Bank ke customer hain, toh yeh update aapke wallet par seedha asar dalne wala hai. Cashback rewards se lekar ATM withdrawal fees tak, sab kuch badal chuka hai.
Is blog mein hum in sabhi changes ko detail mein samjhenge taaki aap extra charges se bach sakein.
SBI Cashback Credit Card: Ab Reward Milna Hua Mushkil
SBI ne apne sabse popular 'Cashback Credit Card' ko devalue kar diya hai. Pehle jahan online spending par khul kar rewards milte the, ab wahan caps laga di gayi hain.
- Cashback Cap: Ab ek statement cycle mein aap maximum ₹4,000 tak hi cashback earn kar sakte hain (pehle yeh ₹5,000 tha).
- Split Structure: Online spends par 5% cashback milega lekin iski limit ab ₹2,000 per month hai. Offline spends par 1% cashback milega, jiski limit bhi ₹2,000 hai.
- Excluded Categories: Government services, utilities, school fees, aur digital gaming platforms par ab koi cashback nahi milega.
HDFC Bank: UPI ATM Withdrawal ab Free Nahi?
HDFC Bank ne apne cardless cash withdrawal rules mein badlav kiya hai.
- Unified Limit: Pehle UPI-based ATM withdrawals alag count hote the, lekin ab yeh aapke monthly free ATM limit (5 free transactions) ka hissa honge.
- Extra Charges: Agar aapne apni free limit cross ki, toh har transaction par ₹23 + taxes ka charge lagega.
- Timing Rule: Shaam 7:30 PM ke baad kiya gaya transaction agle din ke quota mein count hoga.
PNB aur Bandhan Bank: Withdrawal Limits mein Katoti
Punjab National Bank aur Bandhan Bank ne security aur digital push ke naam par cash withdrawal limits kam kar di hain.
- PNB Limits: Select debit cards ki daily withdrawal limit ₹1,00,000 se ghatakar ₹50,000 kar di gayi hai.
- Bandhan Bank: Dusre banks ke ATMs par free transactions ki limit ab 3-5 tak hi restricted hai (Metro vs Non-metro). Iske baad ₹23 per financial transaction charge dena hoga. Non-financial transactions (balance enquiry) par ₹10 ka charge lagega.
Summary Table: Quick View of Changes
Bank Key Change New Limit/Charge
SBI Cashback Devaluation Max ₹4,000 per month cap
HDFC UPI ATM Withdrawal Counted in free ATM quota; ₹23 post limit
PNB Daily Cash Limit Reduced from ₹1L to₹50K
Bandhan Other Bank ATM 3-5 free txns; ₹23 fee after that
Extra Charges Se Kaise Bachein?
- Digital First: Chote payments ke liye physical cash nikalne ke bajaye direct UPI apps ka use karein.
- Home ATM Use Karein: Hamesha koshish karein ki apne hi bank ke ATM se cash nikalein taaki 'Other Bank' charges se bacha ja sake.
- Track Rewards: SBI card holders ko ab online shopping ₹40,000 tak hi limit karni chahiye taaki maximum 5% benefit mil sake.