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Balance Transfer on EMI (BT on EMI) facility on SBI Card enables the cardholders to transfer outstanding balance from any other bank credit card to their SBI Card and pay back in EMIs at low rates of interest.
You can book BT on EMI in 2 simple ways as per your convenience:
Currently there are two plans available for BT on EMI:
Tenure Option |
Rate of Interest per month |
Monthly Installment (Rs., per Rs 1000) |
Processing Fee |
3 |
0.83%-0.92% (10%-11% p.a.) |
338.9-339.46 |
1%, no Min, no Max |
6 |
1.02%-1.23% (12.25%-14.75% p.a.) |
172.67-173.91 |
1%, no Min, no Max |
No, you cannot book BT on EMI on another SBI Card that you hold.
You can avail balance transfer for all credit cards, issued by different banks in India.
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.
Balance Transfer amount will be transferred via NEFT, directly to cardholder’s other bank credit card account, within 2-3 working days.
No. BT on EMI can only be booked on a primary card.
No, BT on EMI can only be booked on a primary card.
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.
"SBI Cards and Payment Services Limited” was formerly known as “SBI Cards and Payment Services Private Limited"
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