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Balance Transfer on EMI

Balance Transfer on EMI

Transfer balance to Tata Card, pay back in EMIs
and enjoy interest free period on retail transactions

T&Cs apply

Balance Transfer on EMI

Transfer the outstanding dues on your credit cards from other banks to your Tata Card, offering lower interest rate and save more with our EMI plans.

  • Repay in 3 months or 6 months
  • Continue enjoying interest free period on purchases with BT on EMI
  • In the event of pre-closure of BT facility (before the completion of tenure) a pre-closure fee of 3% of the outstanding principal would be levied on the account
  • Due to the impact of COVID-19, Balance Transfer payment will be made via NEFT, directly to your other bank credit card account, instead of cheque. Stay at home, stay safe.


  • If you transfer the outstanding balance from a Credit Card, the BT amount will be transferred within 3 working days.
  • If your other bank card is not a Visa card, you will receive a cheque of the BT amount within 5 working days.

Q 1. What is Balance Transfer on EMI (BT on EMI)?

Balance Transfer on EMI (BT on EMI) facility on Tata Card enables the cardholders to transfer balances from any other credit card to their Tata Card at low rates of interest and pay back in EMIs.

Q 2. How can I avail BT on EMI service?

You can book BT on EMI in 2 simple ways as per your convenience:

  • Log in to your Tata Card online account
    • Click on the ‘Benefits’ link on left hand navigation and select ‘Balance Transfer on EMI’
    • Enter details & confirm to book BT on EMI instantly
  • Call up our Tata Card helpline at 39 02 34 56 (prefix local STD code) /1800 180 8282 (from BSNL/MTNL lines)

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