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  • SBI Balance Transfer is Rated as "Great!" by 8065 Users

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    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 Service Poor Customer support"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Mumbai Metro Card for a while. Their service is not good. The card is okay to book metro train tickets but never used it. I use this card for shopping and all other purchases online and offline
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      With State bank of India i have taken the credit card. I limit i hold with the card is good.They do have annual charges and the charges will be waived off if the purchase is above the limit.The customer service and response is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have chosen this card since the card does not have any annual fee and there has not been good benefits and features with the card. The credit limit also had been very good with it. The process had been very good and it was easy in getting this card and it had reached on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      The benefits and the features have been good wit the card and i am happy with it. The credit limit with the card had been satisfactory. The document submission had been easy and i had received the card on time. I have been using the card for shopping, online purchases and other purposes as well.
      Was this review helpful? 0
      , thane
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am happy with all the services which they have been providing. There has been good benefits and features with the card. Even the credit limit had been very good as well. The process has been very smooth and easy. There has not been any issues and the card has reached on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I bank with State Bank of India for the credit card. I am happy that this bank has offered me the highest of limit. There is a annual fee of 500 which gets waived off if I spend 75K in a year. There is also a balance transfer option. There are also EMI facilities and other offers too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Good features"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India. The customer services and response is good and there are no hassles in the process of getting the card. The credit limit is also fine and there are no hassles when ever I use the card. There are no charges as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a visa credit card from the SBI. Even though the limit is very low their services are very good. There hasn't been any issues with their services. Overall They need to come up with more exciting offers to their customers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the SBI SIMPLY SAVE CARD online. It is a Good card to use, they offer rewards points which are useful. The credit limit is low. I hope that they increase the limit based on my spendings. The whole application process was easy and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      It has been a very good card which had been providing me with good benefits and features. I have been holding this card for the last two years, and the credit limit which have been provided by them also had been very good. I have been using the card for shopping, fuel and all other purposes. There has not been any issues so far with their services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Decent Card"
      0.5 5.0/5 "Blown Away!"
      SBI Simply Click card has good features, more cash backs are available than any other card. Good online offers are going on I'm disappointed about the credit limit. For this i have called to the customer care, they have said they will increase the Credit limit after 6 months depends on the usage.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Very Good Card"
      0.5 4.0/5 "Great!"
      In SBI Card, They have offered me a credit limit of Rs. 2.37 lakhs. I'm using this card nearly 4 years. Once i called to the customer care to know about the balance transfer. They did very quickly. They are giving reward points, i can redeem the points in their specified outlets.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Nice Card"
      0.5 4.0/5 "Great!"
      I worked for SBI Since, there is no charge for annual fee. The service charges will be there but i used to make the payment on time. I have been using this card 1 months . They will provide many offer for their employees who are all using credit cards.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The card has been provided with good credit limit as well as with good benefits and features. The whole process had been very easy and smooth and i have got the card on time. It has been overall a very good experience using it. I have been using it for shopping and other purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've chosen the IRCTC SBI PLATINUM CARD because it is very good for booking rain tickets. The card has exciting cash back offers for tickets booked via IRCTC channel. I've just got the card, I'll have to use it more often to know more about the card and its features.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Prime credit card for a while. It is a good card, they regularly provides offers and discounts. I got this card from my Fixed deposit. The limit is low but still it is a useful card to have. Overall I never had any issues with their servies
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I bought the YATRA SBI CREDIT CARD because it is very good for travel booking. The card offers 1000 rupees cash back for bookings above 5000. And it has got discount of 4000 if you spend 40000 above for International ticket bookings. This is a very good card to use if you're frequent flier.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Good experience "
      0.5 4.0/5 "Great!"
      I also bank with State Bank of India for the credit card. There are emi facilities and it is easy to use the card. The credit card limit is also good and it is a life time free card. There are good offers as well. The statements are clear and on time sent.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.5/5 "Pretty good"
      I use the SBI IRCTC credit card for the past 7months . The customer support service and the response is average with the State bank of India. The credit limit value is average with this card and I am not satisfied with it. It would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a credit card with the SBI. SBI Visa credit card is the best card I have. Being a Govt bank the interest rate for EMI's are really low and also the charges are comparatively low. I never had any issues with their services and it is a recommendable card to have.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 25, 2018
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