Balance Transfer

Balance Transfer

Why pay more when you can save?
Pay other bank's card outstanding balance
at lower interest with SBI Card

T&Cs apply

Choose the plan that suits you the most

0% interest
for 60 days
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Processing fee: 2% or Rs. 199, whichever is higher
1.7% interest p.m. for 180 Days
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Zero processing fee

Balance Transfer

Transfer your other bank credit card balances to SBI Card and enjoy a lower rate of interest. Save money and pay back through convenient payment options.

  • Consolidate your multiple balances into one by transferring all of them to SBI Card
  • Easy payment options
  • Lower interest rates


  • Transfer the outstanding on your other bank’s Visa Credit Card to your SBI Card within 3 working days
  • If you use any card other than Visa, you will receive a cheque within 5 working days

Q 1. What is Balance Transfer (BT)?

Balance Transfer (BT) facility on SBI Card enables the cardholders to transfer their outstanding credit balances from any other credit card, issued by a different bank, to their SBI Card at lower rates of interest.

Q 2. How can I book BT?

You can book BT in 3 simple ways, as per your convenience:

  • Log on to your SBI Card online account
    • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer’
    • Enter details & confirm to book BT instantly
  • SMS BT to 56767
  • Call up our SBI Card helpline at 39 02 02 02 (prefix local STD code) / 1860 180 1290 (from BSNL/MTNL lines)

View all FAQs

Other Lower Interest options

Balance Transfer on EMI

Balance Transfer on EMI

Transfer your outstanding to SBI Card. Save more with lower interest rates & pay back in EMIs.

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Flexible payment options make your spending delightful and stress-free.

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