Card Security


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.


  • 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
  • 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” 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” 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.