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  • SBI Balance Transfer is Rated as "Great!" by 7000 Users
    Credit Card BYTES FROM OUR KITCHEN

    SBI Balance Transfer

    SBI Credit Card Balance Transfer

    You can easily transfer the outstanding amount available on your other bank credit card to the SBI credit card. This unique feature is available to all SBI credit card holders. With the Balance transfer facility, you can easily repay the credit outstanding at a lower interest rate. The repayment options are very flexible and convenient. SBI offers two Balance transfer plans for the customers to choose from, as per their requirements.

    Eligibility Criteria for Availing SBI Balance Transfer Facility

    In order to be eligible to avail the SBI balance transfer facility, the customer has to fulfil the following criteria:

    • Must be Indian Residents who holds a valid SBI credit card. Those who are involved in illegal acts/ disputes or are marked as ineligible by the SBICPSL cannot avail this facility.
    • Only the primary cardholder can request a balance transfer from a credit card in his/her name.

    Methods of Availing Balance Transfer Facility

    Logging in to the SBI credit card account online and requesting balance transfer

    Sending an SMS from the registered mobile number to 56767 with the message text “BT”.

    Calling the Bank’s support center at 1860 180 1290 for BSNL/MTNL customers and at 39 02 02 02 for others.

    Balance Transfer Plans and Charges

    Two different plans are available under SBI balance transfer on EMI. The bank will apply reducing rate of interest for all the plans.

    • 0.75% interest for 3 months - Under this plan, the processing fee charged is 1.5% or Rs.199, whichever is the highest.
    • 1.27% interest per month for 6 months – Under this plan, processing fee is 1.5% or Rs.199, whichever is the highest.
    Tenure Interest rate Processing fee
    3 months 0.75% per month  1.5% or Rs.199
    6 months 1.27% per month  1.5% or Rs.199

    Benefits of SBI Credit Card Balance Transfer

    • With the SBI Credit Card Balance Transfer facility, the consolidation of all your credit card outstanding amount is made possible and hence repayment is easier.
    • The payment options are very flexible and convenient.
    • The interest rates are attractively low, therefore, you can save more money while repaying your credit card outstanding amount.
    • It takes only 3 working days to complete the transfer of the outstanding amount from the other bank VISA credit card account to the SBI credit card account.
    • If your other Bank credit card is not a VISA card, then you will receive a Cheque for the same within 5 working days.

    Features of SBI Credit Card Balance Transfer Facility

    • The minimum amount set for balance transfer is Rs. 5,000 and the maximum amount that can be transferred is 75% of the credit limit available on the SBI credit card.
    • The finance charges applicable on purchases made on the card subsequently, will be 3.35% per month.
    • If the customer wishes to cancel the Balance Transfer process, the request should be placed within 45 days of booking the same. Fees and charges paid for the Balance Transfer process will be reimbursed to the customer. However, if the customer has received the Cheque and it has been cleared and credited to the cardholder’s account, the charges will not be reversed.
    • Balance Transfer that has been processed via VISA Money Transfer also cannot be reversed after the request has been processed.
    • This option is available only to the primary cardholder and does not extend to any additional or supplementary cardholder.
    • The Balance Transfer Cheque issued to the customer will be payable at any branch of State Bank of India available across India.
    • Visa Money Transfer facility will be available only to those who hold a Visa Credit Card.
    • Among the fees and charges levied for the Balance Transfer process, Swachh Bharat Cess will be levied at 0.5% and government service tax will be levied at 14%.
    • For those who have opted for a standing instruction or Auto Debit facility to repay the outstanding amount due on your SBI credit card, the Total Amount Due on the card which includes the Balance Transfer Amount as well as other applicable charges will be debited from the customer’s bank account on the due date.

    SBI Credit Card Balance Transfer On EMI Foreclosure

    If you want to foreclose the balance transfer before the end of the tenure, you will be charged a pre-closure fee of 3% of the outstanding principal plus GST.

    FAQs on SBI Credit Card Balance Transfer on EMI

    1. Which credit cards are eligible for SBI balance transfer on EMI?
    2. Ans: All the credit cards issued by various banks are eligible for BT on EMI option.

    3. What is the minimum and maximum amount eligible for balance transfer?
    4. Ans: The minimum amount transferable is Rs.5000 and maximum is up to 75% of available credit limit on the card.

    5. Is my add-on credit card eligible for balance transfer?
    6. Ans: No, you cannot book balance transfer on add-on cards. It is applicable only to primary cards.

    7. Where do I find EMI of balance transfer?
    8. Ans: The EMI of your transferred amount will be added to your minimum amount due payable every month.

    9. What happens if I fail to repay my EMI on balance transfer?
    10. Ans: As EMI will be included in your minimum amount due (MAD), non-payment of MAD will lead to levying normal late payment fee and a credit card charge of 3.35% on the unpaid amount.

    Process to Check Credit Card Balance for:

    Credit Card Reviews

    • SBI Cards Credit Card
      "Good Credit"
      0.5 4.0/5 "Great!"
      I have got a Simply Save Credit card from SBI and it has been a good addition for my finances.I haven't used it that much though until now. They have given me a limit of Rs.40000, which I feel is alright. The reward points is good in it, I have accumulated around 2500 points in it as of now.
      Was this review helpful? 0
      , goa
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from last 1 year, i find this credit card is very convenient to use. The credit card services are good in this bank. An annual fee of Rs 499 has to be paid every year for this credit card. I get offers like reward points in this credit card. I use net banking for making payments and i have a credit limit of Rs 1.5 lakhs in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI provides good services on credit card when compared to all other credit cards. I am using this credit card from last 7 months and i paid an annual fee of Rs 499 for this credit card. This is FBB style up card so i get offers like 10% cash back on big bazaar. I use mobile banking for making payments and i have a credit limit of Rs 80000 and the cash limit of Rs 25000 in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Satisfied with the services"
      0.5 4.0/5 "Great!"
      It was a good experience with State Bank of India and a on time process as well for the simply save credit card. The credit limit is good and I am okay with it. It is a life time free card, I only had to pay for the insurance. The insurance was for the card protector.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is overall good. The customer services are also good and there has been no hassles in the whole process. I had a credit card and the limit was low, it was around 60K. It would have been better if there was a better limit when compared to the other banks.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      It is a simply save credit card with SBI. It was a very convenient process and I got the card on time. The credit limit is also okay. The card is very useful as I get rewards and cash back offers on movies and dining and utility bill payments. There are charges but it was not explained properly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The banking service is good with the State bank and I have got the IRCTC SBI platinum credit card around a year ago. The customer support service is good with the state bank of India. The credit limit value is good with this card and I am happy with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I got a good credit limit with State Bank of India for the credit card. The customer services are also good and there are no hassles in the process. The credit limit is fine and there are no charges taken for card. The transactions are smooth and in all no issues.
      Was this review helpful? 0
      , lucknow
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I was having the credit card with the State Bank of India and the response was good too. I have closed this credit card because of my personal reason. There are not much services issues with them and everything is up to the mark with the SBI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good for Online shopping"
      0.5 4.0/5 "Great!"
      I have exceeded Rs.50 extra on my credit limit, hence SBI have charged Rs. 500 extra on next bill. But their customer service is good they used to send the notification for all the transaction. SBI simply save card is good for amazon or flipkart shopping to avail 5 to 10% of discounts.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Customer service with the State Bank of India credit card is good one and the response is fine one too. I would like to say that the credit limit value is around 25000 Rupees. Online portal is also really good to access and I dont have any issues on it.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      It was a smooth process with State Bank of India for the simply save credit card. There are annual charges for the card and the credit limit is good. I got 2,000 bonus points on spending 2,000 in first 60 days. That 2000 points is worth 500 rs. Good overall.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      My experience with SBI credit card was very good, the process was quite long and i received my credit card within 1 month. I have a credit limit of Rs 62000 which is sufficient for this credit card. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they provided door step service to collect the documents. I get 2000 reward points on spending Rs 2000 within first 60 days and i use this credit card for multi purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Overall good"
      0.5 3.5/5 "Pretty good"
      It is a great experience with State Bank of India. It is a simply click credit card. But I have not got the Amazon voucher worth 500 from them. The credit limit is good and the process was on time. There are charges taken on the card. There is EMI facility and rewards and cash back offers. There is a also a balance transfer option too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have started using the SBI SIMPLY SAVE CARD for the past 9 months. The credit limit value is low with the SBI SIMPLY SAVE CARD and they are charging the additional fee for the late payment., The reward points can't be redeemed in a easiest way.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I use the SBI AIR INDIA PLATINUM CREDIT CARD for the past 9 months. The customer support service is average with the State bank of India. The charges are high with the State bank of India credit card services. I use this SBI AIR INDIA PLATINUM CREDIT CARD for online purchases and for other usages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      The Credit card service is not up to mark with the SBI GOLD CREDIT CARD . The reward points don't have option to stimulate and it is getting reduced if are not using them in a month time. I am satisfied with the credit limit value. The customer support service is average with the State bank of India.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am happy with the State Bank of India Credit Card service. They offered me a AIR INDIA SBI PLATINUM CARD. The credit limit was low, I would requested them to enhance my limit said to wait for 6 months. I am okay with the annual charges. There are discounts applicable on the flight bookings.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I have got a Simply Save Card from them. They have provided me a lot limit in the card. I have been accumulating good reward points system, but didn't get chance to check the same. The repayment done through online takes time to update. Customer care of them is quite good.. Annual Charges is around Rs.499.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • SBI Cards Credit Card
      "All is best"
      0.5 3.5/5 "Pretty good"
      I am having the State Bank of India credit card and the customer service is little bit delayed. I would like to say that the responsiveness could be get improved with the State bank of India credit card. Everything is better one with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 21, 2018
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