Manage your account on the go with the SBI Card Mobile App

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

Card to Card 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
  • 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.


  • 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 4 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’
      • Enter details & confirm to book BT 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.

Simply SMS

    • SMS BT to 56767


  • 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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