Welcome to
the State Bank
Foreign Travel Card
TM
FIND OUT HOW TO;
USE YOUR CARD OVERSEAS
MANAGE YOUR BUDGET
RELOAD YOUR CARD
AND MUCH MORE...
Welcome to your new
State Bank
PREPAID MASTERCARD® FOREIGN TRAVEL CARD
Here are some easy to follow instructions
on using your Card
Reload your Card
Before you go – this bit’s important!
Please sign the back of your Card as soon as you
get it, then memorise your Personal Identification
Number (PIN). Please note that you cannot change
your PIN. For a PIN reminder, call Card Services on
one of the numbers on the back of your Card or in
this User Guide.
How to use your
State Bank Foreign
Travel Card
Just like a debit card, you can use
your State Bank Foreign Travel Card
at ATMs worldwide# displaying the
MasterCard Acceptance Mark.
Simply enter your PIN and how
much you want to withdraw. After
that, all you have to worry about is
what to spend the money on. You
can also use your Card at merchants
worldwide# (including restaurants,
shops and online) displaying the
Disputed Transactions
MasterCard Acceptance Mark.
Simply enter your PIN or sign the
receipt as usual.
Due to FEMA regulations, the State Bank
Foreign Travel Card cannot be used at cash
machines 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, the Card is also unable to be used
in countries subject to economic sanctions,
including: Cuba, Iran, Myanmar (Burma), North
Korea, Sudan and Syria. The list of sanctioned
countries is subject to change from time to time.
#
Checking your balance
Simply go to ‘My Account’
at www.sbitravelcard.com,
register your State Bank Foreign
Travel Card and you’ll be able to
see your balance and any recent
transactions. Alternatively, you
can phone Card Services to use
the automated balance service.
Some cash machines also provide
balances, however, if the local
currency of the cash machine is not
the same as the currency on your
Card, the exchange rate used by
the cash machine to calculate your
balance may be different to that
applied when viewing your balance
through ‘My Account’. That’s why
it is recommended that you use the
online or telephone balance enquiry
services.
It is recommended that you
check your transaction history
and balance of your State Bank
Foreign Travel Card at least once a
a fortnight. If you have any queries
about your State Bank Foreign
Travel Card balance or you notice
a Card transaction that you do not
recognise, please notify the 24
hour Card Services team without
undue delay, and in any event no
later than 30 days after the debit
date. They will be happy to check
and confirm the transaction details
for you. If there is a transaction
which is not correct, Card
Services can start the dispute
process on your behalf and may
request you to provide additional
written information concerning
any unrecognised transaction, or
to complete a dispute form (see
terms and conditions for further
information). Please help them to
assist you, by providing as much
information as you can.
method. In some countries,
there may be daily or weekly
withdrawal limits set by cash
machine operators, which may
be lower than the limit on your
State Bank Foreign Travel Card.
For more information, visit
www.sbitravelcard.com
Should you pay in
your own currency
or local currency?
Manage your budget
Want to put more money
onto your State Bank
Foreign Travel Card?
Just take your State Bank Foreign
Travel Card, valid passport and Form
A2 (available at branches) to any
participating branch of State Bank.
What if there isn’t enough
money on your State Bank
Foreign Travel Card to
make a payment?
Sometimes you might see something
that costs more than you’ve got
available on your State Bank
Foreign Travel Card. That’s OK; if the
merchant supports partial payments,
you may be able to pay the difference
with another MasterCard® or some
other form of payment. Just make
sure you tell the cashier before
paying and confirm the amount
you want to be deducted from your
State Bank Foreign Travel Card. The
cashier should process your State
Bank Foreign Travel Card payment
first, and then accept the remainder
of the balance, however you want
to pay it.
Pre-authorisation –
Using your State Bank
Foreign Travel Card
to “hold” a purchase
or payment
It is not recommended that you
use your State Bank 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.
What if your State
Bank Foreign Travel
Card is declined?
Normally, the only time this will
happen is if you don’t have enough
funds on your Card to cover the
cost of a purchase. You may be
able to use the balance on your
State Bank Foreign Travel Card
for part payment and complete
the purchase with another payment
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 make a purchase or
ATM withdrawal in Indian Rupee
(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 currency of the Card.
Please refer to the table of Fees
and Limits for further information.
Contact details
If you have any general State Bank
Foreign Travel Card queries, or
want to pass on any comments
about using your Card, please
get in touch at sbitravelcard@
accessprepaidww.com
If you have a specific query
relating to your State Bank
Foreign Travel Card please
contact Card Services.
Useful telephone numbers for 24/7 assistance, Card Services,
lost or stolen Cards.
If your State Bank Foreign Travel Card is lost or stolen, please
contact Card Services immediately, so that they can cancel it and
offer assistance, including emergency cash replacement up to the
available balance on your Card (subject to availability†).
Country
Australia
Germany Hong Kong
India
Japan
New Zealand
Singapore
South Korea
Switzerland
Thailand
UK
USA/ Canada
Freephone Number††
1800 098 231
0800 181 4595
800 966 321
000 800 100 7960
00531 780 221
0800 444 691
800 441 1379
00798 4434 1279
0800 834 918
001800 442 212
0800 056 0572
1 877 465 0085
A full list of freephone numbers from over 70 countries is available
on www.sbitravelcard.com Alternatively, you can use the number
below (‘Other Countries’) to contact Card Services.
Other Countries†††
+44 207 649 9404
The emergency cash service may not be available in every country – depending on the availability
of the money transfer network.
††
There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone.
†††
Please remember to add the international prefix of the country you are in at the beginning of this
number (in most cases this is 00, for example 0044 207 649 9404. Calls to this number are not
free of charge.
†
Fees and Limits
Please note that the State Bank Foreign Travel Card Fees and Limits are
subject to variation, in accordance with the terms and conditions.
FEES AND LIMITS TABLE
FEES (All fees are plus applicable taxes)
USD
EUR
Initial purchase and load fee
INR 100
Reload fee
INR 50
^
^
ATM fee per withdrawal
^
1.75
1.50
ATM Balance Inquiry fee
Free
Purchase from merchant (e.g. shops and restaurants)*
Free
1.25
2.00
1.50
1.00
1.00
2.00
Shortfall fee
15.00
12.50
10.00
17.50
7.50
6.00
4.00
10.00
Cash over the counter fee
Additional Card linked to the same funds^
INR 100
Replacement Card fee
Free
Cash out fee
INR 100
LIMITS
USD
EUR
GBP
SGD
Minimum amount you can load on your Card
200
150
120
250
Maximum load/reload and maximum balance allowed on your Card(s)
at any one time≠
As prescribed by the Reserve Bank of India/FEMA guidelines from time to
time, for the purpose of the visit abroad.
Maximum load over 12 month period≠**
As prescribed by the Reserve Bank of India/FEMA guidelines from time to
time, for the purpose of the visit abroad.
Maximum amount you can withdraw from ATMs in any 24 hours*
10000
7500
6500
12500
Maximum amount that you can spend at merchants in any 24 hours
10000
7500
6500
12500
500
350
300
750
Maximum amount you can withdraw as cash over the counter at banks
in 24 hours*
All fees, limits and Service Tax charges are subject to change, which will be displayed on
www.sbitravelcards.com
Service Tax as applicable shall be charged.
* Some ATM operators and merchants may charge a fee or set their own limits. Please confirm whether
any fees or limits apply, before making a withdrawal or purchase.
Such fee will be waived if your Card has a zero (0) balance or if there is no remaining balance following
the debit of any monthly inactivity fee (if the balance is less than the fee).
+
≠
SGD
Monthly inactivity fee - debited from your Card if it has not been used for
12 months+
^
^
GBP
Subject to the limits prescribed for the purpose of travel as per FEMA or other regulations from time to time.
** The total amount you may load onto all prepaid cards issued to you by us during any twelve (12) month period.
Merchant transactions and ATM withdrawals in a currency other than the currency of the Card will be
exchanged to the currency on the Card at an exchange rate determined by MasterCard® on the day the
transaction is processed, increased by 3%.
State Bank Foreign Travel Card is issued by State Bank of India, pursuant to license by MasterCard
International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard
International Incorporated.
For more information, visit www.sbitravelcard,com and register your Card on ‘My Account’ to check
your balance and view your transactions. Alternatively, call Card Services on one of the (freephone)
numbers provided, to access the automated service.
Terms and Conditions
By accepting and using the State Bank Foreign Travel Card (the “Card”), you agree
to comply with these Terms and Conditions and the Fees and Limits Table in the User
Guide (together the “Agreement”). The issuance of the Card is also subject to the Card
applicant complying with all provisions of applicable laws, including the Foreign Exchange
Management Act (FEMA), 1999, rules, regulations and directions as issued by The
Reserve Bank of India or other appropriate authority under any law in force from time
to time. This is a copy of the Agreement for you to keep. A further copy is available on
request (see ‘Contact details’).
1. In these Terms and Conditions:
1.1. Card Services means any services, including call centre services, provided by us, or
our third party service provider, Access Prepaid Worldwide Limited (the “Programme
Manager”), in connection with the Card.
1.2 Purchase Location means any branch of State Bank of India, or the authorised agent
appointed by State Bank of India from which you purchased the Card, within India.
1.3 we, us, our means The State Bank of India
1.4 you, your means the purchaser of the Card.
1.5 Any reference in this Agreement to the Card should be read as including any Additional
Card or Replacement Card, issued to you, as applicable.
2. Your State Bank Foreign Travel Card
2.1 State Bank Foreign Travel Card is a prepaid currency card, which can be loaded in the
currency of the Card. Payment will be in Indian Rupees and the exchange rate will be
determined by the Purchase Location.
2.2 At the time of purchase, you may request an additional Card (“Additional Card”), subject
to a fee, which can be used by you in the same way as the Card.
2.3 The Additional Card is for backup (for security/emergency purposes) and only you can
use it.
2.4 There is no interest payable to you on the Card balance, and the Card funds do not
amount to a deposit with us.
2.5 Except as otherwise set out in this Agreement, any liability we have to you is equal to
the balance on the Card at any given time and is in the currency of the funds loaded
onto the Card. Card loads or reloads will only be credited to the Card balance, once
we, or our authorised agent, have received cleared funds from you. The Card balance
will be debited and will decrease as a result of transactions and any applicable fees, as
set out in this Agreement, as soon as we authorise the relevant transaction. Where a
fee applies, that fee will be deducted from the balance on the Card at the relevant time
and the Card balance will decrease accordingly. Please see clause 8 for an explanation
of how to redeem any unspent balance on the Card.
2.6 The Card is not a credit Card and all use is limited to the amount pre-loaded and
standing to the balance on the Card and any other limits referred to in this Agreement.
3. Using the Card
3.1 There may be a delay of up to four (4) business hours (or as advised by the Purchase
Location) before you are able to use the Card.
3.2 The Card can be used worldwide (other than in India, Nepal and Bhutan or for payment
of goods in Indian Rupees or the currencies of Nepal and Bhutan), wherever you see
the MasterCard® Acceptance Mark at ATMs and MasterCard merchants, including
shops, restaurants and online (except where the website is registered in India, Nepal or
Bhutan, or at websites accepting payment in Indian Rupee or the currencies of Nepal
or Bhutan), providing there are sufficient funds available on the Card for the transaction,
including any applicable fees.
3.3 The amount of each transaction and any associated fees will be deducted from the
balance on the Card. Merchants that accept the Card are required to seek authorisation
from us for all the transactions that you make, and we cannot stop a transaction
once authorised. Some merchants may not be able to authorise your transaction if
they cannot obtain an online authorisation from us; examples include some in-flight
purchases, car park vending machines and toll booths.
3.4 There are circumstances when using the Card at certain merchants, including hotels
and restaurants, where you may be required to have an available balance on the Card
greater than the value of the transaction you wish to make. This amount will be reserved
to cover tips/gratuities, temporarily reducing the balance available on the Card. This is
required as the merchant may need to access more funds than you initially planned
to spend. You will only be charged for the actual and final amount of the transaction
you make.
3.5 We do not recommend using the Card as a guarantee of payment, for example as a
deposit for hotels, cruise lines or car rental, as merchants such as these may estimate
the final bill and this amount will be placed on hold by the merchant and become
temporarily unavailable to access or spend. Only the actual amount of the final bill will
be deducted from the Card.
3.6 The Card is only for your use and expires on the date on the front of the Card; however,
you will still be able to obtain a refund of the balance after the expiry date.
3.7 You will be responsible and liable for all transactions made using the Card. You are also
responsible for ensuring that every Card is used only in accordance with these Terms
and Conditions.
3.8 If you notice a transaction on the Card that you do not recognise, you must notify
Card Services immediately and in any event within thirty (30) days of the transaction
being made.
3.9 You are not permitted to use the Card for money transfers (i.e. the sending of funds to a
third party) or to access money transfer services, or for accessing or purchasing goods
from adult or gambling locations or internet sites and the Card must not be used for any
unlawful activity. You must comply with all laws and regulations (including any foreign
exchange controls) in respect of the Card, in the country of purchase and/or use. We
may suspend the Card or end the Agreement when you attempt to use the Card in
violation of, or your use of the Card is restricted under, such laws and regulations.
3.10 You can only use the Card if it has a positive balance. In the unlikely event that the
balance on the Card drops below zero (0), you agree to reload the Card to bring
the balance back to zero (0) or above, within thirty (30) days of the request, and pay
the applicable Shortfall fee. We recommend that you check your transaction history
and balance at least once a fortnight. You should also ensure that you comply with
the authorised limits set out by the Reserve Bank of India in the Foreign Exchange
Management Act, 1999 and regulations thereunder.
3.11 We are entitled to set off any sum of money on the Card, due from you to us, against
any positive balance on any other card held by you with us.
4. Keeping the Card and PIN secure
4.1 You cannot change the PIN issued with the Card. For a PIN reminder, you can phone
Card Services or go to ‘My Account’ at www.sbitravelcard.com at any time.
4.2 You must sign the back of the Card as soon as you receive it.
4.3 You must do all that you reasonably can to keep the Card safe and your PIN and other
security details secret at all times.
4.4 You must never allow anyone else to use the Card, PIN or other security information.
4.5 You must never write down or record your PIN or any other security information with
the Card.
4.6 We will never ask you to reveal your PIN.
4.7 The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is
disabled, please contact Card Services for assistance. There may be a twenty-four
(24) hour delay in reactivating the PIN, and we may not be able to reactivate the PIN
whilst you are abroad. If the PIN is disabled, or if a merchant does not accept chip and
PIN, you will be required to sign for any transactions at merchants, provided that this is
supported by and acceptable to the merchant.
4.8 You must call Card Services immediately and without undue delay if you lose the Card
or the Additional Card or believe the Card or Additional Card could be misused or you
suspect that someone else may know the PIN or any other security details. We will
suspend the appropriate Card to prevent further use. If a lost Card is subsequently
found, it must not be used, unless Card Services confirm it may be used.
4.9 You will be required to confirm details of the loss, theft or misuse to Card Services in
writing/by e-mail and you must assist us and the police in any enquiries.
4.10 We may suspend the Card, with or without notice, if we think the Card has been or is
likely to be misused; if you have breached the Agreement; or if we suspect any illegal
use of the Card.
4.11 If you are entitled to a refund for any reason, for goods or services purchased using the
Card, this will be made to the Card.
4.12 You should check your Card balance regularly so you can notify Card Services within
thirty (30) days, of any unauthorised transactions.
5. Liability for unauthorised transactions
5.1 You will be liable for all Card transactions which you have authorised. You will also be
liable for transactions which you have not authorised (a) if you have acted fraudulently;
(b) if you have failed to use the Card in accordance with the Agreement; (c) if you have
failed to notify Card Services in accordance with clause 4.8 on becoming aware of the
Card loss, theft, or misuse; (d) if you have failed to take all reasonable steps to keep
the Card’s security features safe; or (e) if you have failed to notify Card Services in
accordance with clause 3.8 on becoming aware of a transaction on the Card that you
do not recognise.
5.2 You must notify Card Services of any dispute without undue delay and in any event
within thirty (30) days of the relevant transaction.
5.3 Subject to clauses 5.1 and 5.2, you will not be liable for any unauthorised Card
transactions. Where you are not liable for an unauthorised transaction, we will refund
the value of that transaction, including any fees charged and will have no further liability
to you for any other losses you may suffer. However, if our investigations conclude
that the transaction you have disputed has been authorised by you or on your behalf,
we may charge you an investigation administration fee of up to INR 4,500 or foreign
currency equivalent.
6. Fees and Limits
6.1 Fees apply to the Card. Please note that fees apply to the purchase of the Card, loading
of funds to the Card, Card usage (for example ATM withdrawals), cashout of unspent
funds and when you use the Card to make a purchase or withdrawal in a currency other
than that loaded onto the Card. Service Tax on the fees, as applicable, shall also be
charged. For details on the fees that apply to the Card, please refer to the Fees and
Limits Table in User Guide or on www.sbitravelcard.com.
6.2 From time to time, we may limit the amount you can load on the Card, or the amount
you can withdraw from ATMs or spend at merchants over certain time periods. Some
ATM operators may also impose their own limits on the amount that can be withdrawn
over a specific time period.
7. 7.1 Foreign currency transactions
There are three (3) instances where a foreign exchange rate will apply:
i) Initial load or in–branch reload of a foreign currency Card;
ii) ATM withdrawals, point of sale transactions or internet transactions, where the local
currency is different from the Card currency; and
iii) When you close a foreign currency Card.
The method for calculating the exchange rate for each scenario is as set out below.
7.2 (i) The foreign exchange rate used for initial loads and in-branch reloads of a foreign
currency Card is set by us and may vary depending on the location where you load the
Card. You can ask the Purchase Location for the exchange rate beforehand. Foreign
exchange rates are subject to variation and the rate that applies one day will not
necessarily be the same on any other day.
(ii) If an ATM withdrawal, point of sale or internet transaction is made in a currency
other than that loaded onto the Card, the amount will be converted into the currency
of the Card. The exchange rate used is the rate determined by MasterCard® to be
the wholesale market rate or the government mandated rate in effect the day the
transaction is processed by MasterCard, increased by a foreign exchange margin of
3.00% plus any applicable Service Tax. For example, if you use a USD Card to withdraw
money from an ATM in France, the ATM fee applies, as well as a currency conversion
margin. If a USD Card is used at an ATM in the United States, a flat ATM withdrawal fee
applies, with no foreign exchange margin. See example below*.
(iii) The foreign exchange rate used for closing a foreign currency Card is set and
determined by us and varies each day.
*Example of foreign currency margin, applied to ATM withdrawals, point of sale or
internet transactions.
Suppose you make a purchase or an ATM withdrawal in France for EUR 50.00 with a
USD Card, and the prevailing exchange rate, set by MasterCard, is (USD1.00 = EUR
0.70). Before the foreign exchange margin charged by us, applies, this would equate
to USD 71.43 (EUR 50.00 / 0.70). After the foreign exchange margin of USD 2.14 is
applied (i.e. USD 71.43 x 3.00%), this would equate to USD 73.57 (71.43 + 2.14), plus
applicable Service Tax.
8. Redeeming unspent funds
You may redeem any unspent funds on the Card through the Purchase Location.
Payment will be in Indian Rupees (INR) and the exchange rate will be determined by the
Purchase Location. In most cases the Purchase Location will not pay you in cash when
you redeem your funds and will instead arrange for the relevant funds to be credited to
your account with any bank in India. If you request the Purchase Location to cash out
the Card and to refund any balance on the Card, the balance will be paid no later than
one (1) working day after your request, less any applicable fee, as set out in the Fees
and Limits Table. If you experience any difficulty closing the Card through the Purchase
Location, or if the Card has expired, please contact Card Services.
9. Ending the Agreement
9.1 The Agreement continues until the Card expires or until we end it in accordance
with these terms and conditions, or if you ask us to end it by writing to, or emailing,
Card Services.
9.2 We may end the Agreement by giving you at least thirty (30) days’ written notice by
letter or email, to the address you have provided us.
9.3 We may ask for the return of the Card and end the Agreement, with or without notice,
if you materially breach any of these terms and conditions.
9.4 The ending of the Agreement will not affect your right (if any) to redeem unspent funds,
in accordance with clause 8.
10. Changing the terms
10.1 We may change the Agreement (including bringing in new terms and fees or changes in
the fees and services we offer) at any time, at our discretion, by giving you at least thirty
(30) days’ notice. We will notify you of changes to the Agreement by email, or in writing,
to the contact details you have provided Card Services.
10.2 We will notify you of any changes at least thirty (30) days before the change is implemented.
If you are dissatisfied with any change, you can end the Agreement by contacting
Card Services.
11. Personal Data
11.1 We may contact you by telephone, letter or email at the contact details you provide
us. You must let Card Services know immediately if you change your name, address,
phone number or email address.
11.2 By purchasing the Card and using it, you consent to us and our service providers
processing the information we collect about you (“Personal Information”), in connection
with the Card Services, under the Agreement.
11.3 Your Personal information may be disclosed by us to third parties, to enable us to
provide the Card Services and for data analysis, anti-money laundering, detection of
crime, legal compliance, law enforcement and fraud prevention purposes.
11.4 Your Personal Information may be processed outside of the country of purchase, but
all service providers are required to have adequate safeguards in place to protect your
Personal Information.
11.5 If you opt in to receiving promotional messages, you agree we may contact you about
other products and services provided by us or our affiliates. If you no longer wish to
receive this information, please contact us.
11.6 You can contact Card Services for a copy of the Personal Information we hold
about you, pursuant to our privacy policy and other rules. A fee may be charged for
this service.
11.7 To aid us in the provision of the Card Services and improve our service, telephone calls
may be recorded and/or monitored. By using this service, you consent to this recording
and/or monitoring.
12. Our liability to you
12.1 Unless otherwise required by law or as set out in the Agreement, we will not be liable
to you in respect of any losses you or any third party may suffer in connection with the
Card, except where such losses are due to a breach by us of the Agreement, or due
to our gross negligence.
12.2 ATMs and point of sale terminals may not be owned or operated by us and we are not
responsible for ensuring that they will accept the Card or the way in which a merchant
processes a transaction. We will not be liable to you for any disputes concerning the
quality of goods or services purchased with the Card or any additional fees charged by
the operator of these terminals.
13. Additional information
The Card is an unsecured prepaid Card facility, issued by the State Bank of India.
14. Law and Jurisdiction
The Agreement is governed by, and will be construed according to, the laws of India
and the Courts in Mumbai will have the exclusive jurisdiction to adjudicate any dispute
between the parties.
15. Third Party Rights
Except for any party referred to in clause 16, nothing in the Agreement gives any third
party any benefit or right (including any enforcement right).
16. Transferring our rights
We may assign any of our rights and obligations under the Agreement to any other
person or business, subject to such party continuing the obligations in the Agreement
to you.
17. Contact details
17.1 If you have any queries regarding the Card, please refer to www.sbitravelcard.com.
17.2 If you have any further queries, are dissatisfied with the standard of service, you think
we have made a mistake in operating the Card or you require information about your
Personal Information, please contact Card Services.
17.3 We can be contacted by using the details in the “Contact details” section in the
User Guide or by writing to: MC-FTC Helpdesk, State Bank of India, 12th Floor,
State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai – 400 021, India.
17.4 We will try to resolve any problems as quickly as possible and in accordance with
the complaints procedure, which can be found on www.sbitravelcard.com or is
available on request.
CP10309/V1/0912
State Bank Foreign Travel Card is issued by State Bank of India, pursuant to
license by MasterCard® International. MasterCard and the MasterCard Brand Mark
are registered trademarks of MasterCard International Incorporated.