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Get instant access to an SBI credit card loan with quick approval, low interest rates, and easy repayment terms.
Get instant access to funds with a loan on your SBI credit card. Learn how this convenient facility works, including eligibility criteria, interest rates, and repayment options. Understand how card-based loans provide fast approval, minimal paperwork, and flexible terms—helping you manage urgent expenses with ease.
A loan on an SBI credit card, known as the Encash or Encash Inline facility, provides quick access to funds without applying for a separate loan. It’s a pre-approved credit feature available to select SBI Cardholders, ideal for times when you need extra money promptly. The loan amount may be within your existing credit limit or above it, depending on your eligibility.
Once approved, the amount is transferred directly to your savings account within three to four working days. The minimum amount is usually ₹25,000, while the maximum depends on your SBI credit card loan offer. You can select repayment periods of 12, 24, 36, or 48 months, with instalments included in your monthly credit card statement.
A processing fee and applicable taxes apply at the time of booking, and interest rates vary based on the offer. You can check your personalised rate and tenure by logging in to your SBI Card online account or contacting customer care.
In essence, an SBI credit card loan allows you to convert your available credit into instant cash—simple, flexible, and convenient.
Here are the main features and advantages of taking a loan against your SBI credit card:
Choose from repayment periods of 12, 24, 36, or 48 months based on your comfort and eligibility.
Receive the approved loan amount directly in your savings account within three to four working days through NEFT.
Enjoy a fully digital process with no need for physical documents, post-dated cheques, or collateral.
Pay only a small one-time processing fee, keeping your overall borrowing cost affordable.
Benefit from competitive interest rates that make repayment easier and budget-friendly.
Get funds over and above your existing credit limit through the Encash offer, depending on your profile.
Use the Encash Inline option to access cash within your available credit limit.
Your repayment period and SBI credit card loan offer amount are customised according to your spending and repayment history.
Master the art of smart spending and know how to avoid debt!
Here are the main ways you can use your SBI credit card to access instant funds or flexible repayment options:
Convert any purchase of ₹2,500 or more into easy EMIs for 3 to 24 months
You must convert eligible transactions into Flexipay within 30 days of purchase
A zero processing fee applies for 24- and 36-month tenures, keeping repayments more affordable
For other tenures, a 1% processing fee or ₹2,000 (whichever is lower) applies
Borrow funds directly into your savings account within three to four working days
Repay the amount over 12, 24, 36, or 48 months at attractive interest rates
Pay a one-time processing fee of 2%, with a minimum of ₹499 and a maximum of ₹3,000
The Encash offer may exceed your credit limit, while the Encash Inline offer stays within it
Enjoy a quick, paperless process with no need for documents or post-dated cheques
Transfer outstanding dues from another bank’s credit card to your SBI Card at lower interest rates
Choose repayment terms of 3 or 6 months with interest rates starting from 0.83% per month
Continue enjoying an interest-free period on new purchases while repaying your balance transfer
The payment is made directly to your other card account via NEFT within three to four working days
A one-time processing fee between 0.75% and 1% of the transferred amount applies
Here are the key conditions you must meet to qualify for a loan on your SBI credit card:
You must be an existing SBI credit cardholder with an active account
Your repayment record should show consistent, on-time payments
The loan amount offered depends on your profile, credit behaviour, and past spending patterns
Your account must be free from any delinquencies or overdue payments
SBI reserves the right to offer loans only to customers meeting its internal eligibility standards
Here is a simple overview of the interest rates, fees, and repayment terms for each type of SBI credit card loan option:
| Loan Type | Interest Rate | Processing Fee | Foreclosure Charges | Repayment Tenure | Key Details |
|---|---|---|---|---|---|
Encash / Encash Inline |
Based on the current offer on your account |
2% of the loan amount (minimum ₹499, maximum ₹3,000) |
3% of the remaining principal if closed early |
12, 24, 36, or 48 months |
Loan amount is credited to your savings account within 3–4 working days |
Flexipay |
Depends on the offer selected at the time of booking |
No fee for 24- or 36-month tenures; 1% or ₹2,000 (whichever is lower) for others |
3% of the remaining balance if foreclosed |
3, 6, 9, 12, 18, or 24 months |
Purchases above ₹2,500 can be converted to EMIs within 30 days |
Balance Transfer on EMI |
0.83%–1.25% per month (3 months) or 1.06%–1.33% per month (6 months) |
0.75%–1% of the transferred amount |
3% of the outstanding amount if closed early |
3 or 6 months |
Amount is transferred via NEFT to your other bank’s credit card account |
Disclaimer: The interest rates, fees, and terms mentioned above are indicative and may vary based on SBI Card’s current offers and policies.
Repaying your SBI credit card loan is simple and convenient, as your EMIs are automatically added to your monthly credit card statement. You can clear these dues through several secure and easy payment methods:
Set up an automatic debit from your savings account so your EMIs are paid on time every month.
Transfer funds using your bank’s net banking by adding SBI Card as a beneficiary with the IFSC code SBIN00CARDS.
Log in to the SBI Card website and select ‘Pay Now’ to make quick payments using net banking from over 50 partner banks.
Use your bank’s net banking to transfer funds directly to your SBI Visa credit card anytime.
Pay your EMIs easily on the go using the SBI Card App or the YONO by SBI App for instant payment credit.
Use any UPI-enabled app to pay your credit card bill instantly by entering your card number or scanning the QR code.
Pay your dues securely using any SBI or other bank debit card through the SBI Card website.
Make fast, secure payments via the BBPS platform by entering your registered mobile number and card details.
You can also pay at any SBI branch or drop a cheque at an authorised SBI drop box across India.
Every payment method ensures that your instalments are credited promptly to your SBI Card account, helping you maintain a strong repayment record and a healthy credit score.
Applying for an SBI credit card loan is quick, convenient, and entirely digital. Here are the different ways to apply:
Visit the official SBI Card website and log in with your user ID and password
Go to the ‘Benefits’ section to check for pre-approved loan offers
If an offer is available, select it and click on ‘Apply’
Enter the required loan amount and repayment tenure
Review all details carefully and confirm your application
Submit the request online to complete the process
Download and open the SBI Card App or YONO App on your smartphone
Log in using your registered credentials
Select the ‘Benefits’ section to view available loan offers
Choose your preferred offer and enter the loan details
Confirm the information and submit your loan application
Wait for confirmation, and the amount will be credited within a few working days
Call any of the SBI Card customer care numbers: 1800-1234, 1800-11-2211, 1800-425-3800, 1800-2100, or 080-26599990
Ask the executive to check your eligibility for a credit card loan
If you qualify, provide the necessary details to apply
Follow the instructions given by the executive to complete your application
Once approved, your loan amount will be credited directly to your linked bank account within a few working days.
If your SBI credit card loan application is rejected or put on hold, it usually means the bank needs to review your eligibility further. This can happen due to factors such as an unsatisfactory credit score, high existing debt, payment delays, or incomplete information in your application.
First, check the reason for rejection or hold by contacting SBI Card customer care. Once you understand the cause, you can take practical steps to improve your chances next time. Make sure your credit card payments are always on time, keep your credit utilisation below 30%, and clear any outstanding dues.
If your profile improves, you can reapply after a few months or check for new pre-approved offers through your SBI Card online account or mobile app. Maintaining a clean repayment record and a strong credit score can help you qualify for better loan terms in the future.
Once your SBI credit card loan is approved, the amount is transferred directly to your savings account through the National Electronic Funds Transfer (NEFT) facility. This ensures a quick, secure, and paperless transaction. The funds are usually credited within three to four working days from the date of loan approval.
For the Balance Transfer on EMI facility, the payment is made via NEFT directly to your other bank’s credit card account within the same timeframe. This seamless process ensures you receive funds or debt transfers without any manual steps or delays.
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.
Yes, you can get a loan on your SBI credit card if you meet the bank’s eligibility criteria. This facility allows pre-approved customers to access instant funds directly into their account without additional paperwork, based on their credit limit, payment history, and spending pattern.
The SBI credit card interest rate depends on your profile and the type of loan offered. For example, under the Easy Money scheme, the interest rate is around 2.45% per month. Rates may vary across loan options such as Encash, Flexipay, or Balance Transfer on EMI.
There is no specific card that guarantees a loan on an SBI credit card. Loan eligibility is based on your credit profile, repayment track record, and spending pattern. SBI offers pre-approved loan facilities to select cardholders, regardless of the card type, based on internal credit assessment.
You can check your SBI credit card loan status through the SBI Card website, mobile app, or chatbot ILA. You can also send an SMS or use the missed call service to get your loan balance. These methods help you track outstanding EMIs, available credit, and repayment schedule easily.
If your credit card balance keeps rising, consider consolidating your dues with an SBI credit card loan. This structured EMI plan offers lower interest than revolving credit and fixed repayment timelines. It helps you manage debt efficiently, reduce compounding interest, and regain financial stability through disciplined payments.
Yes, you can get a loan on your SBI credit card or similar credit cards from other issuers. This option lets you convert purchases or outstanding balances into easy EMIs at competitive interest rates, offering convenience, predictable repayments, and better control over your monthly finances.
The interest rate on ₹1 Lakh for SBI credit cards usually ranges between 2.5% and 3.5% per month. The exact rate depends on your card type, credit score, and repayment history. Converting the amount into EMIs through Flexipay or Encash can help lower the effective cost.
To foreclose an SBI credit card loan, log in to your SBI Card account via the website or mobile app. Go to the ‘EMI’ or ‘Loans’ section, choose your active loan, and select ‘Foreclose’. Follow the on-screen steps to pay the balance instantly and close the loan early.
Yes, you can take a loan using your SBI credit card’s available limit through the Encash Inline option. Depending on your eligibility, the loan may be within your existing limit or above it. Once approved, the amount is credited directly to your bank account within a few working days.
Eligible retail purchases of ₹2,500 or more made on your SBI credit card can be converted into EMIs using the Flexipay facility. Transactions must be converted within 30 days of purchase, allowing you to repay conveniently over your chosen tenure with minimal paperwork.
The loan tenure is based on your eligibility, repayment capacity, and the specific offer available on your card. SBI Card provides flexible options ranging from 12 to 48 months for Encash and up to 24 months for Flexipay, ensuring affordable and manageable repayments.
Repayment is easy, as EMIs are added to your monthly SBI credit card bill. You can pay using online methods such as NEFT, UPI, debit card, or auto-debit (NACH). This ensures timely payments and helps maintain a healthy credit score without additional effort.
Yes, the loan on SBI credit card is available to existing cardholders with a good repayment record. Eligibility depends on factors like your credit score, payment history, and available credit limit. Accounts with overdue payments or defaults are not eligible for this facility.
Yes, a one-time processing fee applies when converting purchases into EMIs under Flexipay. The fee is usually 1% of the booking amount or ₹2,000, whichever is lower. However, no fee is charged for 24- or 36-month tenures, making longer plans more cost-effective.
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