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Balance Transfer on EMI

Balance Transfer on EMI

Transfer balance to SBI Card, pay back in EMIs
and enjoy interest free period on retail transactions

T&Cs apply

Choose the plan that best suits you

0.75% per month for
3 months
Learn more
Processing fee:1.5% or Rs. 199, whichever is higher
1.27% per month for
6 months
Learn more
Processing fee:1.5% or ₹ 199, whichever is higher

Transfer the outstanding dues on your credit cards from other banks to your SBI Card, offering lower interest rate and save more with our EMI plans.

  • Repay in 3 months or 6 months
  • Continue enjoying interest free period on purchases with BT on EMI
  • In the event of pre-closure of BT facility (before the completion of tenure) a pre-closure fee of 3% of the outstanding principal would be levied on the account
  • Due to the impact of COVID-19, Balance Transfer payment will be made via NEFT, directly to your other bank credit card account, instead of cheque. Stay at home, stay safe.


  • If you transfer the outstanding balance from a Visa Credit Card, the BT amount will be transferred within 3 working days.
  • If your other bank card is not a Visa card, you will receive a cheque of the BT amount within 5 working days.

Q 1. 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.

Q 2. How can I avail BT on EMI service?

You can book BT on EMI in 3 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

Mobile App

    • Log in with the website log in Username & Password
        • Click on ‘Benefits’ option in the main menu and select Balance Transfer
        • Enter the required details and confirm to book BT in 3 simple steps

      Click here to download app.


  • Call up our SBI Card helpline at 1860 180 1290 / 39 02 02 02 (prefix local STD code)

View all FAQs

Other Lower Interest options

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