State Bank Multi-currency Foreign Travel Card

Chip & PIN Protected Prepaid Card. All your travel currency on one card.

 

Features


RELOADABLE

You can easily reload your State Bank Multi-Currency Foreign Travel Card++ with more funds ahead of your next trip, until the Card expiry date. Simply take your State Bank Multi-Currency Foreign Travel Card, valid passport and Form A2 (available at branches) and top up at FTC issuing branches of State Bank of India – subject to FEMA guidelines and other regulations. Click here for a detailed list of branches.

Reloadable until expiry date on the Card - within the limits of the Card++

++ Until Card expiry and subject to reload limits (see Fees and Limits table). Limits are subject to FEMA regulations, imposed by The Reserve Bank of India from time to time.

 

CONVENIENT
  • Multiple currencies on one Card
  • Withdraw local currency at over 2 million ATMs worldwide, accepting Mastercard cards, or use your Card to pay directly for goods and services at 34.5 million merchants, wherever you see the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan)
  • Locking in the value of your Card balance, whenever you (re)load your State Bank Multi-Currency Foreign Travel Card, could help you to avoid exchange rate fluctuations and variances while you're abroad, and clear charges give you the control to manage your budget
  • No bank account information is required to obtain and start using your State Bank Multi-Currency Foreign Travel Card
  • Manage your Card online, with secure visibility of balances and transaction details, and services like an ATM locator
SECURE

Your State Bank Multi-Currency Foreign Travel Card is not linked to your bank account and comes with 24/7 Global Assistance. If your State Bank Multi-Currency Foreign Travel Card is lost or stolen, please contact our Card Services team immediately, so that they can cancel it. If you have an additional Card, you can use it to access your funds. If both your Cards are lost or stolen, our Card Services team can offer assistance, including emergency cash replacement up to the available balance on your Cards (subject to availability in the relevant location).

  • Chip and PIN protected
  • Additional Card available for backup
  • 24/7 Global Assistance, including free Card replacement if your Card is lost or stolen
  • Peace of mind, as the Card is not linked to your bank account

Here's how it works...

State Bank Multi-Currency Foreign Travel Card ("Foreign Travel Card") is the smart way to carry your travel money. Simply load one or more of the following currencies- US Dollars, British Pounds, Euros, Singapore Dollars, Australian Dollars, Canadian Dollars and UAE Dirham to your State Bank Multi-Currency Foreign Travel Card and when you're travelling, use your Card to withdraw money from over 2 million ATMs worldwide accepting Mastercard® cards, or to pay for goods and services in shops, restaurants and hotels around the globe, displaying the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan).

If you have insufficient funds in a transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from other available currency (ies) on your Card, in the following order of priority: USD, EUR, GBP, SGD, AUD, CAD and AED, subject to the applicable exchange rate and cross currency fee (see Fees and Limits Table).

With the State Bank Multi-currency Foreign Travel Card, you can lock in the exchange rates on your currencies each time you reload+. Simply visit FTC issuing branches of State Bank of India.

Looking for your nearest branch?
Click here for a detailed list of branches.

+ Please note that any loads or reloads are made at the relevant exchange rate, applicable for Foreign Travel Card, on the day that the load is processed (this varies from day to day).

SIMPLY PREPAY AND GO!

State Bank Multi-Currency Foreign Travel Card is a prepaid currency card that can be pre-loaded with your spending money in up to seven Currencies and then used at ATMs and merchants abroad1, displaying the Mastercard® Acceptance Mark.

If you have insufficient funds in transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from any other available currencies on your Card, in the following order of priority: USD, GBP, EUR, SGD, AUD, CAD and AED, subject to the applicable exchange rate and Cross Currency fee (see Fees and Limits section of this website or the Fees and Limits Table in the Terms and Conditions).

1 Due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, there may be some other countries where usage of the Card is prohibited. Please click here to verify the list of prohibited countries.

Want to put more money onto your Card?

Your State Bank Multi-Currency Foreign Travel Card can be reloaded, so you need never run short of money during your travels.

1. Return to any participating branch of State Bank of India, with your State Bank Multi-Currency Foreign Travel Card, valid passport and PAN Card. Fill in the prescribed application form and Form A2 (available at branches)

2. If you think you may need to have your State Bank Multi-Currency Foreign Travel Card reloaded whilst travelling overseas, you can leave a completed Form A2, a copy of your PAN Card and passport, plus a letter authorising a family member or friend in India to carry out the reload on your behalf. We may load the Card on receipt of the above documents from a family member or friend, along with a letter, signed by you. However, State Bank of India reserves every right in such cases, to verify that any person purporting to act on your behalf is so authorised and to identify and verify the identity of that person in accordance with the know-your-customer norms prescribed by The Reserve Bank of India.

Note:

  • A reload fee applies to all reloads and may vary from time to time
  • Reloads are made at the relevant exchange rates on the day that the reload is processed. The exchange rates for the available currencies will vary from day to day and may vary per reload location

DYNAMIC CURRENCY CONVERSION (DCC)

Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency. You should not use your Foreign Travel Card to make a purchase or ATM withdrawal in Indian Rupees (as you are prohibited from doing so by law) and you should choose to pay in the local currency. Please note that there will be an additional cost if the point of sale transaction or ATM withdrawal is in a currency other than the currencies on the card, or if more than one currency on your card is used to pay for the transaction. Please refer to the Fees and Limits Table for further information in the fees and limits section of this website or in the Terms and Conditions.

Other benefits include:

  • Multiple currencies on one card
  • Card security (benefit of not being linked to a bank account)
  • Access to worldwide ATM withdrawals
  • Chip and PIN protected
  • 24/7 Global Assistance
  • Additional Card to access the same funds
  • Competitive exchange rates

RESTRICTIONS

Please note, due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan.

There are a number of countries where the use of State Bank Foreign Travel Card is currently prohibited. If you attempt to withdraw cash from a cash machine, or use your Card at shops, restaurants, hotels and online in any of these countries, your request will be declined and the reason given as 'Decline, prohibited country'.

The countries currently affected are:
Cuba, Iran, North Korea, Sudan and Syria

Card Security

WE'RE DEDICATED TO PROTECTING YOU
Unfortunately, terms like 'ID theft' and 'fraud' are all too familiar nowadays. We are very aware of the threat and concerns you have regarding such issues, which is why fraud prevention is of paramount importance to us.

We know our customers. Every day we monitor transactions on our Cards, to detect unusual behaviour and if we spot something uncharacteristic, we'll contact you to verify your transactions. The State Bank Multi-Currency Foreign Travel Card is chip and PIN protected, with both cash withdrawals and purchases protected by PIN.

  • Safety
    • Sign your Cards immediately when you receive them
    • Check your transactions regularly and report anything unusual immediately to the 24/7 Card Services team
    • If you print statements from the internet, keep them safe and shred them when you’ve finished using them
    • Never give your personal details to someone who phones you claiming to be from a reputable company or even from MasterCard /SBI
    • Don’t give out your details in response to unsolicited email
    • Be wary of anyone who asks for common security details, like your mother’s maiden name, date of birth, or information about your work
    • Never give your PIN to anyone, not even if they claim to be from State Bank of India
    • Don’t let yourself get distracted when using ATMs – somebody may be trying to get to know your PIN
  • ATM Fraud

    Never write down a PIN or keep it together with the Card. Be very alert when using ATMs, and ensure that:

    • The machine has not been tampered with
    • Nobody can watch you entering your PIN
    • Card and cash are concealed and safe before you leave the machine
    • You retain any printed records for safe disposal at a later time
    • If your Card is retained, contact Card Services immediately for assistance
  • Counterfeit Fraud

    Always keep your Card in sight when making a purchase or it may get skimmed.

    “Skimming” occurs when the genuine data on a card’s magnetic strip is electronically copied onto another card, allowing fraudsters to steal the funds on your card. This can happen at petrol stations, restaurants, bars and at ATMs. Skimmed card information is often sold on to organised crime groups.

  • Using your card on the Internet

    Make sure that you're using a secure browser. A secure browser such as Microsoft Internet Explorer or Mozilla Firefox will indicate whether the website you are visiting is secure or not.

    Broken key or padlock = unsecured
    Unbroken key or padlock = secured

    These browsers scramble your personal data before sending it, so no one else can read it. Ensuring that your computer has up-to-date virus protection and a firewall will help protect you from attacks.

    Key points when buying goods/services on the Internet:

    • Know who you are dealing with. Use a reputable company and type its internet address into the browser yourself
    • Don’t give out your details in response to unsolicited email
    • If the website gives you the option of using a secure checkout, opt for yes
    • Just as you save till receipts, in case you need to return or exchange something, you need to keep a record of all transactions too. Print and save a copy of your completed order form and your order confirmation
  • Phishing

    “Phishing” is an attempt by fraudsters to “fish” for your card or account details. Phishing attempts usually appear as an email apparently from your bank or card issuer. Within the email, you are then encouraged to click on a link to a fraudulent log-in page, designed to capture your details.

    We may contact you by email, but we will NEVER ask you to click on a link that directs you to enter or confirm your security details. If you are in any doubt about the authenticity of an email appearing to be from us, telephone Card Services immediately.

  • Pharming

    “Pharming” employs the same type of tricks as Phishing to lure you to a site address, but uses hidden software to redirect you from real websites to the fraudulent ones.

    This is particularly clever, as it hijacks trusted brands of well-known banks, online retailers and card issuing companies and convinces you to respond under cover of trust to enter your personal details.

    Just remember, if you are asked to type your PIN into a website along with your Card details, it is probably a fraudulent website, and you should close the browser and contact Card Services immediately.

  • Lost and Stolen cards

    If you lose your State Bank Multi-Currency Foreign Travel Card or it is stolen, reporting this to Card Services immediately will help protect the funds on the Card. Our dedicated team is on hand 24 hours a day, seven days a week, to help you get back to enjoying your travels.

    Please click here for information on how to report your Card as lost or stolen.

Before you go

TRAVEL TIPS
Some ATMs (cash machines) may charge a withdrawal fee, in addition to any fee associated with your State Bank Multi-Currency Foreign Travel Card. Some cardholders advise that they saved the free phone number for the country(-ies) they were travelling to in their mobile to check their Card balances, which is a quick and easy to use service (please note: calls from mobile phones are not free of charge). Cardholder feedback also suggests that some hotels may charge for calls made to free phone numbers, it is wise to check with your hotel beforehand.

PRE-AUTHORISATION
It is not recommended that you use your State Bank Multi-Currency Foreign Travel Card as a guarantee of payment (usually for hotels, car hire and cruise lines). These companies may estimate the bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can, of course, use your State Bank Foreign Travel Card to settle your final bill.

When purchasing fuel, make sure you pay the cashier instead of using the ‘pay at pump’ option, to avoid a set amount (greater than your purchase amount) being ‘held’ until the final transaction settles (this principle applies to all payment cards; it is just more noticeable when using a prepaid card).