Dont use emi option on sbi card as they are charging 22 percent
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https://www.desidime.com/discussions/dont-use-emi-option-on-sbi-card-as-they-are-charging-22-percent?page=1#post_6238067
flexipay rates are dynamic and depends on your card usage and other variables. The rate can be as low as 12% and can be even higher than 22%.
so better to opt for emi when buying the item directly from ecom website like amazon, flipkart etc.
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Take emi option directly from selling website , Dont go for Flex pays