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Balance Transfer on EMI

  • Q1. What is Balance Transfer on EMI (BT on EMI)?

  • Balance Transfer on EMI (BT on EMI) facility on SBI Card enables the cardholders to transfer balances from any other credit card to their SBI Card at low rates of interest and pay back in EMIs.

  • Q2. How can I avail BT on EMI service?

  • You can book BT on EMI in 2 simple ways as per your convenience:

    • Log in to your SBI Card online account
      • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer on EMI’
      • Enter details & confirm to book BT on EMI instantly
    • Call up our SBI Card helpline at 39 02 02 02 (prefix local STD code) /1860 180 1290 (from BSNL/MTNL lines)
    • Alternatively, you can Login to Chatbot ILA, ask query for booking BT on EMI and follow the guided steps
  • Q3. What are the plans available for BT on EMI?

  • Currently there are two plans available for BT on EMI:

    Tenure Rate of Interest Processing Fee
    3 months 0.75% per month 1.5% or ₹ 199,
    (whichever is higher)
    6 months 1.27% per month 1.5% or ₹ 199,
    (whichever is higher)


  • Q4. Can I book BT on EMI on my other SBI Card?

  • No, you cannot book BT on EMI on another SBI Card that you hold.

  • Q5. For which cards can I avail BT on EMI?

  • You can avail balance transfer for all credit cards, issued by different banks in India.

  • Q6. What is the amount of Balance Transfer I can avail with BT on EMI service?

  • BT on EMI can be booked for a minimum amount of ₹ 5,000 to a maximum of 75% of available credit limit. Your maximum limit available for BT on EMI booking will be communicated to you at the time of booking.

  • Q7. How will the amount of BT on EMI booked be transferred?

  • For BT on EMI booked for Visa credit cards, the amount will be transferred online through Visa Money Transfer. For all credit cards other than Visa, you will receive a cheque.

    For BT bookings through NEFT facility available on our Helpline number, amount will be transferred to your account within 48 to 72 hours.

  • Q8. I have recently changed my address; can I book BT on EMI?

  • Yes, you can request for Balance Transfer on EMI even if there is a change in address. However, your BT on EMI booking request will be processed only after the new address has been successfully verified. If the verification check is unsuccessful, your BT booking request will not be processed.

  • Q9. Can I book BT on EMI on my Add-on card?

  • No. BT on EMI can only be booked on a primary card.

  • Q10. Can I book BT on EMI on my SBI Card for my friends’ or relatives’ credit cards from other banks?

  • No, BT on EMI can only be booked on a primary card.

  • Q11. Can I repay the amount due before the EMI tenure ends?

  • Yes. You can repay the amount before the EMI tenure ends. There is a fee of 3% on the outstanding principal + GST will be charged.