SBI card unknown transaction/ emi charge

[Hope]

Today I recieved statement of sbi cc I saw charge of 97.26 which is not from emi ongoing.

MEMI-INT DEBIT 1STEMI (EXCL TAX 17.51) 97.26 D
Then I saw transaction on card is displayed 1rs transaction CH CONTRA and credited too, first time I saw this type charge/transaction I cross checked if I did anything maybe I don't remember there's no otp on mail and message regarding this transaction.
I got to know today only.
International transaction always disabled on my card only domestic online was on.

Tried contacting sbi card customer care but they are available only 8am-8pm.
Dropped mail to sbi.

Anyone faced anything like that. Or may help in knowing these charges I am not aware.
Thankyou

 

[Hope]

Tagging some knowledgeable ppl for reach. @Abhishek012 @kuchbhi @desiviru @SSV @2025

 

[desiviru]

Contra Credit is system credits to round off things sometimes. So it is from SBI. No worries here.

The second one says 1st EMI. Have you anything started on EMI or converted your spend to EMI? Because this seems to be a pro-rate emi and interest for broken period.

Also if in past your EMI interest calculation had some issues then they add it in future too to recover cost. For that you need to manually calculate things. Yes, there is GST of 18% on EMI interest on CC.

 

[Hope]

Contra Credit is system credits to round off things sometimes. So it is from SBI. No worries here.

The second one says 1st EMI. Have you anything started on EMI or converted your spend to EMI? Because this seems to be a pro-rate emi and interest for broken period.

Also if in past your EMI interest calculation had some issues then they add it in future too to recover cost. For that you need to manually calculate things. Yes, there is GST of 18% on EMI interest on CC.

Thankyou man, you saved my night.
Currently one EMI is running will calculate charges.
Thankyou again

 

[Sobirvs]

same charges I see in my statement, i have no idea what it is for. No EMI I opted for or running.

 

[Hope]

same charges I see in my statement, i have no idea what it is for. No EMI I opted for or running.

View attachment 104015

 

[Sobirvs]

I don't understand. I haven't OPTED FOR ANY EMI.

So why emi interest?

View attachment 104026View attachment 104027

 

[Hope]

I don't understand. I haven't OPTED FOR ANY EMI.

So why emi interest?

Any previous Emi ?

 

[desiviru]

I don't understand. I haven't OPTED FOR ANY EMI.

So why emi interest?

Maybe while making payment for anything you choose emi option by mistake. Also check if you clicked flexi-emi option by mistake.

If not, just mail them and attack them ferociously.

 

[Sobirvs]

Any previous Emi ?

YA but that is a trxn of many months back and that emi is done and oer with.

 

[Sobirvs]

Maybe while making payment for anything you choose emi option by mistake. Also check if you clicked flexi-emi option by mistake.

If not, just mail them and attack them ferociously.

nope, I didn't. I will mail them.

 

[Hope]

YA but that is a trxn of many months back and that emi is done and oer with.

Yeah they quoted my old emi. Mine was also none running.
I stopped since it was not much. You should escalate.

 

[Sobirvs]

Yeah they quoted my old emi. Mine was also none running.
I stopped since it was not much. You should escalate.

So I talked to them. It was a trxn done in 19th Oct 2024.

My statement generates on 20th every month. The trxn was a merchant EMI but wasn't converted. Amount was around 54k.

As my statement generated on 20th and trxn wasn't converted to EMI, so I had to pay the full amount. I never asked SBI excess bal refund even after the trxn converted to EMI on 21st Oct 2024. It was a 3 month EMI trxn. They gave me cashback for the trxn and also cancelled the cashback (I don't know why, and I never called them enquiring the same). Here are the specifics for the same.

19/10/2024 : 54,099 (merchant trxn)
20/10/2024 : Paid full 54,099 to SBICards.
21/10/2024 : 52,638.33 (merchant trxn EMI converted)
21/10/2024 : MANUFACTURER CASHBACK CR Credit 1,460.67

EMI's as follows :

20/11/2024 EMI : 18030.82
20/11/2024 INT : 723.77
20/11/2024 IGST : 130.28

20/12/2024 EMI : 18,030.82
20/12/2024 INT : 485.80
20/12/2024 IGST : 87.44
27/12/2024 STATEMENT DB - RP FORFEIT FOR CBK OFFER Debit 978.75

20/01/2025 EMI : 18030.82
20/01/2025 INT : 244.56
20/01/2025 IGST : 44.02
==============================

Now they charged me for this month

10/07/2025 IGST INCLUDING CESSES DR (DEL) Debit 91.19
10/07/2025 MEMI-INT DEBIT 1STEMI (EXCL TAX 91.19) Debit 506.63
10/07/2025 CH CONTRA CREDIT Credit 1
10/07/2025 CH CONTRA DEBIT Debit 1

Statement hasn't generated yet, I am guessing in few hours it will.
==============================

Now I talked to SBI CC with 2 calls.

1st - a girl said it is for interest in oct-nov. I went harsh on her to she trnsfrd me to her supervisor who said I enjoyed 53 days of interest free EMI as the trxn didn't convert before the bill date, hence the charge. I said I won't pay it, he said he can't do anything.

I called again

2nd call - A guy picked and said it is coz interest wasn't applied in november. I said I can see in my statement interest has been debited. He said it hasn't. I was like are you crazy, check the trxns. He said he can see interest debit but it only shows, it wasn't applied as debit. I am like no! the total shows it has been applied and I told him even I paid the full amount and never asked for refund and all the emi's auto deducted subsequent month automatically as SBI had excess amount of mine. Also I argued why the cashback was "forfeit"? He said coz I used the cashback in some other trxn, I said no I didn't, are you crazy? He then hung up the call.

I am really really sad this happened. It's a small amount so I will probably pay it off as it's about 600 rs but man, SBICards sucks. !!