How to convert a SBI Card credit card purchase to EMI?
Sohan Wagh
Asked 27 May 2026
4
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?
1 Answer
16
Hari Khatri·10 Jun 2026
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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