Using Your Card
SIMPLY PREPAY AND GO!
State Bank Foreign Travel Card is a prepaid currency card that can be pre-loaded with your spending money and then used at ATMs and merchants abroad, displaying the MasterCard® Acceptance Mark.
Please note, 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.
Available in four currencies, you can lock in your rate each time you (re)load. Simply visit your local FTC issuing branch of State Bank of India, to prepay and go!
USING YOUR STATE BANK FOREIGN TRAVEL CARD
IMPORTANT INFORMATION BEFORE USING YOUR CARD
Please sign the back of your Card as soon as you get it, and then memorise your PIN.
USING STATE BANK FOREIGN TRAVEL CARD TO MAKE ATM WITHDRAWALS+++
Just like a debit card, you can use your State Bank Foreign Travel Card at ATMs worldwide, displaying the MasterCard Acceptance Mark. Simply choose the CREDIT option, enter your PIN and how much money you’d like to withdraw (up to the available balance on your Card). After that, all you have to worry about is what to spend the money on.
Customer feedback suggests that some countries may impose their own daily or weekly ATM withdrawal limits, which override higher limits on payment cards, including your State Bank Foreign Travel Card. Please refer to the ’Before you Go’ section on this website, for country specific details.
USING STATE BANK FOREIGN TRAVEL CARD TO MAKE PURCHASES+++
You can also use your State Bank Foreign Travel Card at merchants worldwide, showing the MasterCard Acceptance Mark. Just choose the CREDIT option and enter your PIN, or sign the receipt as usual.
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, i.e. Indian Rupees. You should not make a purchase or ATM withdrawal with your State Bank Foreign Travel Card in Indian Rupees (as you are prohibited from doing so by law) and you should choose to pay in the local currency instead. Please note that there will be an additional cost if the merchant transaction or ATM withdrawal is in a currency other than the currency of the Card and you should refer to the Fees and Limits table for further information.
State Bank Foreign Travel Card gives you the security of travellers cheques, with all the convenience of a card.
Other benefits include:
- 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
+++ 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.
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 also a number of countries where the use of State Bank Foreign Travel Card is currently not allowed. If you attempt to withdraw cash or use your Card at merchants in any of these countries, your request will be declined.
The countries currently affected by sanctions are:
Cuba, Iran, North Korea, Sudan and Syria