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Are you using credit card and your card is showing charges like Total ST, SBC, KKC Debit ? Allot of questions might be raising in your mind. This page has the solution for that.

Few people have been seen complaining online forum complaining about irrelevant charges in their Credit Card statement.

SBI Credit Card Total ST SBA KKC Charges

The above screenshot belongs to SBI Credit Card in which they have charges interest on the credit amount which we have used.

Below that you can see three more charges which are as :




What are these ?

Answer :

If you have purchased something on EMI or you have just paid the minimum amount and interest charges have been charged on the rest of the amount. Then you also have to pay taxes over that amount.

In above image you can see that I have been charged interest on my SBI Elite Credit Card. It has been written in the form of FIN CHARGES ON RETAIL which means Finance Charges. Ahead that you can see EXCL TAX 529.40. It is the tax amount on Finance Charges which we need to pay as per Government rules and it is exclusive of that amount.

The taxes apply of Finance Charges are mentioned below that row. Those are :

ST = Service Tax
SBC = Swachh Bharat Cess
KKC = Krishi Kalyan Cess

If you calculate it, than you will find that we have been charged with Service Tax (ST) Rs. 494.11/-, Swachh Bharat Cess (SBC) Rs. 17.65/– and Krish Kalyan Cess (KKC) Rs. 17.64/-.

494.11 + 17.65 + 17.64 = Rs. 529.40 (This is the same amount which was written exclusive of Finance Charges)

So, I hope it is clear to you that these are the taxes charged over your interest charges or Finance Charges.


Willing to change the password of your SBI Credit Card Online Banking Account ? It’s quite easy. All you have to do is follow below mentioned guidelines to do it.

In fact, State Bank of India recommends changing your account password frequently due to security issues. Although many of us ignore it. But, it is really necessary to keep your account safe and secure. [continue reading…]


This article has been designed for ICICI Bank’s customers with a view to tell you how you can apply for a new Cheque Book through online banking. The steps are very simple but for your help, we have also used the essential screenshots.

Requesting a cheque book in a traditional way is outdated now. You don’t have to submit that slip which is the part of your cheque book in your branch. So, instead of visiting your bank, we recommend you to follow below-mentioned steps.

Requirements :

  • Active ICICI online banking account.
  • Username & Password

How to Request a Cheque Book Online in ICICI Bank

  1. Login to your ICICI online banking account.
  2. Check Bank Accounts in left sidebar and click on Cheque Book Request.ICICI Bank Cheque Book Request Online
  3. Select your account number (if you have multiple accounts linked in it.). Cross-check other details i.e. address with pin code where you want to deliver your cheque book.
  4. Click on the Submit button and it’s done.ICICI Bank Cheque Book Request Confirmation

You will see the confirmation message on next page, which says, ‘Cheque Book Request has been accepted for your Account No. XXXXXXXXXXX. You will receive the Cheque Book within 5 working days.

It means within a week you will receive your cheque book on your communication address, which has been submitted in your account.