SBI Virtual Debit Card
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SBI Virtual Debit Card
- Features
- Frequently Asked Questions
Features
- Name of Card: SBI Virtual Debit Card
- Type of Card: Global at RuPay / VISA / MasterCard
- Issuance criteria: To be issued in normal Saving Bank Account( Non-FI) segment.
- Usages:
- International and Domestic Channels : e-Com, Contactless (Device Tokenisation payment through Google Pay & Samsung pay)
- Contactless payment facility : Available through Near field communication (NFC) enabled Android mobile phones.
Presently, available in MasterCard and VISA Debit Cards
- Daily Cash Limit at ATMs : Nil
- Contactless limit for Tokenised payments : Maximum: Rs. 5,000/- per transactions
- Daily Purchase Limit e-Com: Rs. 50,000/-
- Validity : 5 years
- Issuance Fee for Virtual Card: Nil
- Annual Maintenance Charges: Nil
- SBI Rewardz:
- Cardholders will get two reward points for every Rs. 200/- spent on Point of Sale/e-Commerce.
- Bonus Points : Customer will earn: 200 bonus points if the customers perform three PoS/ e-Com transactions in the month of issuance.
- Product Features :
- Instant generation of Debit card
- Used for PoS transaction (Contactless) through Android mobile phones
- Usage for e-Com, International, E-mandate
- Free of charge
- Nil AMC
- Green Banking: No use of plastic and card chip
Additional Information:
- Card will be instantly generated on clicking confirmation button for issuance of Virtual Debit Card
- No physical card will be issued for the virtual card.
- No. of Virtual Debit Card issued in an account per customer- 1 (One) Customer can permanently block existing Virtual debit Card and request for new Virtual Debit Card.
- Number of times request can be made in a year for Virtual Debit Card through online channels – 5 (Five)
- Card Tokenization Service (e.g., Samsung Pay, Google pay) for NFC transaction is available on Master Card and Visa Network. Currently, Android mobile phone having NFC capability support Card Tokenisation services.
- Virtual Debit Card cannot be used for Cash Withdrawal
What is “Virtual Debit Card?
Virtual Debit Card is a Debit Card which is not in shape of a physical form and can be generated instantly using YONO Mobile App. It can be used for e-com (domestic & international), NFC payments by device tokenisation (Google pay and Samsung Pay in NFC enabled Android mobile device) & e-mandates.
How can I apply for “Virtual Debit Card”?
You can apply for “Virtual Debit Card” after logging into your YONO App.
What is the process of applying for Virtual Debit Card?
You can apply for "Virtual Debit Card" after logging into YONO App through the following
Login to YONO >> Cards >> SBI Debit Card >> Select SB Account>> Select option Request for new Card>> Select Virtual Debit Card>>Accept Terms & Conditions>> Submit
Enter OTP>> Virtual Debit Card will be generated
Activate it instantly
What are the charges for " Virtual Debit Card?
Currently Virtual Debit card is being issued free of cost. No annual maintenance charges will be levied on the Virtual Debit Card .The charges are subject to change at the discretion of the bank.
When will I receive my " Virtual Debit Card after applying for it from my YONO App Login?
The card will instantaneously be generated, and card can be used after activation.
What is the validity of the " Virtual Debit Card "?
The validity of "Virtual Debit Card" is 5 years from the date of issuance.
My application for the issuance of " Virtual Debit Card “has been rejected due to technical issues.
After logging out from YONO, log in and try again. Currently, facility available in Savings Account.
How to replace my Virtual Debit Card? Is there any replacement fee?
No. of Virtual Debit Card issued in an account per customer- 1 (One) Customer can permanently block existing Virtual debit Card and request for new Virtual Debit Card. Number of times request can be made in a year for Virtual Debit Card through online channels – 5 (Five). Currently Virtual Debit card is being issued free of cost
How to Block Virtual Debit Card?
Card can be permanently blocked using any one of the following channels:
- Through SMS – By sending SMS "BLOCK XXXX" to 567676 from the registered mobile number (XXXX is the last 4-digits of Card). Virtual Debit Card once blocked cannot be unblocked.
- Through YONO App - Login to YONO >> Cards >> SBI Debit Card >>Select Block Card option for blocking Virtual Debit Card.
- Through 24 x 7 helpline (1800 1234 & 1800 2100/+9180-26599990) The Contact Centre will ask for certain information about the Cardholder before blocking the Card to ensure that it is not used fraudulently by any person.
- Through Internet Banking - Card can be blocked if the Card Holder is internet banking user. The functionality is available at post login >> e-services >> Virtual Debit Card >> View/Manage Card Follow the menu options to complete blocking of your Card.
- Through SBI Branch – Please visit any nearest SBI Branch with a written request to block your card
- Virtual debit card once blocked cannot be unblocked
How to manage your Virtual Debit Card usage functionality?
- In line with RBI guidelines, at the time of issue / re-issue, all Debit Cards are enabled for use only at contact-based points of usage, viz, Point of Sale (PoS) devices, within India. Other transaction types International usage (PoS/e-Commerce), Card Not Present, i.e., Online Transactions (E-Commerce), Contactless Transactions (Near Field Communication-NFC) are disabled at the time of issuance.
- Initially, Virtual Debit Card generated will not be enabled for E-Com, International and Contactless transaction to ensure enhanced security on card transactions.
- Cardholders can enable and disable their Virtual Debit Card usage, Set/Modify daily transaction limits for different transaction types by Login to YONO >> Cards >> SBI Debit Card . Select option Manage Limit/ Usage
- Through Internet Banking - Card can be blocked if the Card Holder is internet banking user. The functionality is available at post login >> e-services >> Virtual Debit Card >> View/Manage Card Follow the menu options to complete blocking of your Card.
- The facility is also available in Internet Banking, YONO Lite, SBI ATM, IVR and through Branch. This will enable a cardholder to perform the following on his Debit Card: - Switch On / Switch Off particular type of transaction before and/or after use. Set Daily Transaction Limit for particular type of transaction. - Modify Daily Transaction Limit for particular type of transaction.
What are the basic safety tips that a cardholder must follow?
- Do not download any unauthorized software
- Do not share your CVV ,Sharing CVV is like giving a signed blank Cheque.
- Please refrain from taking help from any stranger while performing Online transaction
- Card particulars will be required for blocking your Card in case it is lost or misplaced or stolen.
- Never share your Card number, CVV (Card Verification Value), CVC (Card Verification Code), CVD (Card Verification Digit), OTP (One Time Password), expiry date, etc. with anyone, even if the person claims to be a bank employee or to any email soliciting the information or to any telephonic survey.
- Always use your Card only on a secured network and reputed website over the internet to avoid any possible misuse.
How to take care of your Virtual Debit Card
- Always keep track of your Card's transactions by viewing your account statement.
- Always notify your Home Branch, in writing, if there is any change in mobile number/telephone number
Last Updated On : Thursday, 02-11-2023
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