How to convert a SBI Card credit card purchase to EMI?

Hansika Mahanta

Asked 19 May 2026

I just made a big purchase on my SBI Card credit card. What is the exact process to convert it into EMI? Are there any processing fees?

2 Answers

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-1

Sameer Mishra·2 Jun 2026

Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.

Darshan Rai·24 Mar 2026

Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.

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