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Balance Transfer on EMI




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Choose the plan that best suits you

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

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


  • Repay in 3 or 6 months
  • Continue enjoying interest free period on purchases with BT on EMI
  • Balance Transfer payment will be made via NEFT, directly to your other bank credit card account, within 2-3 working days

Fees and Charges

Tenure Option

Rate of Interest
per month

Monthly Installment

(Rs., Per Rs. 1000)


(9% p.a.)



(15.24% p.a.)


  • A one-time processing fee of 1.5%, with a minimum of Rs. 199, will be levied.
  • If you want to foreclose your BT on EMI plan, a fee of 3% will be levied on the outstanding principal amount.

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 Credit 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)

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Other Lower Interest options

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