SBI Credit Card Bill to EMI Conversion (2026)

SBI Card bill to EMI is offered under the Flexipay facility. You can convert eligible retail transactions on your SBI credit card into monthly instalments using the Flexipay facility. 

This option allows you to repay large purchases over a fixed tenure instead of paying the full billed amount at once. If you want to convert an SBI Card bill to EMI, it must meet specific eligibility conditions.

Multiple eligible retail transactions completed within 30 days can be clubbed to reach the minimum booking amount.

When you opt for SBI Card EMI conversion under Flexipay, eligible retail transactions are converted into fixed monthly instalments.

Here is how the process works:

1. You make a retail purchase using your SBI credit card

2. Ensure the transaction is at least ₹200 and completed within the last 30 days

3. You raise a request to convert the transaction into EMI through an approved channel

4. Once approved, the principal amount is converted into EMIs for the selected tenure
    

The first EMI appears in your next billing statement. Interest is charged as applicable. The EMI amount is included in your Minimum Amount Due (MAD) during the tenure. Your available credit limit is blocked up to the principal amount, processing fee, and applicable GST. The limit gradually restores as you repay each instalment.

To convert your bill into EMI, certain conditions must be met as mentioned in the following table:

If your transactions meet the eligibility criteria, you can raise a request through multiple official channels. SBI Card allows conversion through online and assisted modes.

You can choose the method that is most convenient for you. The request is processed within five working days, and a confirmation SMS is sent to your registered mobile number.

The available conversion methods are explained below:

Convert SBI Credit Card Bill to EMI via NetBanking

You can convert eligible transactions through the official SBI Card website using the following steps:

1. Head to SBI Card’s website

2. Log into your SBI Card account online

3. Once on the homepage, click on ‘EMI & More’ and select the ‘Flexipay’ option

4. Select the eligible transactions you wish to convert into EMIs

5. Choose a repayment option that suits your budget and check the applicable interest rate

6. Once you have entered all the required details and confirmed them, click on ‘Proceed’

Once submitted, the request will be processed within five working days. After approval, the EMI schedule begins from your next billing statement.

Convert SBI Credit Card Bill to EMI Using SBI Card Mobile App

You can request Flexipay through the SBI Card mobile app. Here are the steps:

1. Visit the SBI Card mobile app
   

2. Log in using your registered credentials
   

3. Navigate to ‘EMI & More’ and select ‘Flexipay’
   

4. Select the eligible retail transaction(s)
   

5. Choose your preferred tenure
   

6. Confirm the request
    

Your request will be processed within five working days. A confirmation SMS will be sent to your registered mobile number once approved.

Convert SBI Credit Card Bill to EMI via Customer Care

You can also place a request by contacting SBI Card helpline support.

Call:

• 1860 180 1290
  

• 39 02 02 02 (prefix your local STD code)
   

Inform the executive that you wish to convert eligible retail transactions into Flexipay. The request must be made within 30 days of the transaction date.

Once processed, you will receive confirmation through SMS. The EMI schedule will begin from your next billing cycle.

Convert SBI Credit Card Bill to EMI via SMS

You can also raise a request for Flexipay through SMS.

Send FP to 56767 from your registered mobile number. This will initiate the request for SBI Card bill to EMI conversion.

Your request will be processed within five working days. Once approved, you will receive a confirmation SMS on your registered mobile number.

Ensure that the transaction meets eligibility conditions before sending the request.

Flexipay is offered at interest rates linked to your credit scores at the time of assessment. The applicable SBI Card EMI interest rate may vary across customer segments.

Note: With effect from 23 November 2025, the interest rate range is 9.75% to 24.00% per annum.

Here are the interest rate slabs:

Flexipay allows you to choose different tenures based on your repayment comfort. To understand how EMI changes with tenure, here is an illustration using:

• Principal: ₹30,000
  

• Interest Rate: 9.75% per annum
  

• Monthly interest rate: 9.75% ÷ 12 = 0.8125% per month

Converting your bill into EMI can help manage short-term cash flow. However, it also increases the overall repayment cost.

Advantages

• Converts large retail purchases into structured monthly instalments
  

• Multiple transactions of ₹200 or above can be clubbed
  

• Flexible tenure options from 3 to 36 months
  

• Zero processing fee for 24- and 36-month tenures during the promotional period
  

• Helps avoid paying the full billed amount in one cycle
  
  

Disadvantages

• Interest is charged on the converted amount
  

• Longer tenure increases total interest outflow
  

• 3% foreclosure charge applies on outstanding principal
  

• Credit limit is blocked up to principal, fee, and GST
  

• Not available for cash transactions, charges, or delinquent cards
  
  

Before opting for conversion, it is useful to compare the total interest payable against your repayment capacity.

SBI Credit Card EMI conversion under Flexipay is a post-purchase facility. It allows you to convert eligible retail transactions after they are billed. This differs from EMI options selected at the time of purchase.

Here are some key differences:

Before choosing Flexipay, consider the following:

• Conversion must be requested within 30 days of the transaction
  

• Only retail transactions are eligible
  

• Interest, fees, GST, and cash withdrawals cannot be converted
  

• Minimum booking amount is ₹2,500
  

• 36-month tenure requires a booking amount of ₹30,000 or more
  

• The first EMI appears in the next billing statement
  

• EMI is included in the Minimum Amount Due
  

• Interest rates are linked to credit score and may vary
  

• Credit limit is blocked and restored gradually as EMIs are paid
  

• Multiple Flexipay plans are allowed, subject to available credit limit

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.