SBI Card is restructuring credit card dues for those who availed moratorium by converting it into loans where the interest is up to 70% lower. The company is also promising users that, should the Supreme Court grant any interest relief during the moratorium period, the benefit will be adjusted against subsequent instalments on the loan. Speaking to TOI, S-B-I Card managing director & CEO Ashwini Kumar Tewari said, given that interest on credit card balances that are revolved is over 40%, the outstanding will keep growing if cardholders delay payments.