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Balance Transfer

Balance Transfer

Why pay more when you can save?
Pay other bank cards' 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
Interest 1.7% p.m. (20.4% p.a.) for 180 Days
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Zero processing fee

Card to Card Balance Transfer

Transfer your other bank credit card balances to SBI Credit 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
  • Avail easy payment options
  • Enjoy lower interest rates
  • Balance Transfer payment will be made via NEFT, directly to your other bank credit card account, within 2-3 working days

Q 1. What is Balance Transfer (BT)?

Balance Transfer (BT) facility on SBI Credit 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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