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What are Total ST, SBC, KKC Debit Charges in Credit Card Statements ?

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.

{ 11 comments… add one }
  • jab March 14, 2017, 9:24 pm

    thank you

  • SARVESH MALLADI April 17, 2017, 3:38 am

    Thank you.

    • SARVESH MALLADI April 17, 2017, 3:39 am

      Are this charges one-time or these charges are applied on every EMI ?

  • ravi April 20, 2017, 12:30 am

    Thanks, writter for your valuble time and info.
    If you regarding more info pls let me know my question is below

    I used at petrol bunk for 200 and i got (211.5) in bill and petrol waives at all petrol bunk in india

  • sounthirarajan R June 5, 2017, 9:28 am

    thank you

  • Somebody ask this please let me know June 19, 2017, 8:01 am

    SARVESH MALLADI April 17, 2017, 3:39 am
    Are this charges one-time or these charges are applied on every EMI ?

  • DIPANKAR MONDAL March 22, 2018, 5:45 pm

    thanks for your help

  • Amit kumar December 17, 2019, 7:15 pm

    Sir in my SBI credit card bill of this month charged RS. 1012 for SBC CREDITCARDG MUMBAI…. I m not understanding why they charged like dis… Customer care is saying that u used this amount…. Bt I didn’t use this… How can I know about dis transection??? Plz help me…

    • jk patel advocate March 22, 2020, 2:07 am

      SBC means SBC = Swachh Bharat Cess and on the basis of this they have made fool to most of people.

    • Sreeprakash June 15, 2020, 7:13 pm

      Can u please contact me…? I had similar debit in my card recently. SBI Cards say, they don’t have any data regarding the merchant….. I am in touch with them….. Did you get any resolution…?

  • Suresh March 7, 2020, 3:08 am

    Did u got any clue. My card was charged several times like this . I checked my wallets. But I did not used it

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