How To Activate State Bank Silver International Debit Card

SBI Gold Debit Cards have come with a variety of add-on features besides higher daily cash withdrawal limits at ATMs. The Gold International Debit cards are issued in association with MasterCard as well as VISA International.

Technology updates are making our life convenient, but at the same time after used to these technologies it is really a pathetic situation when these technologies forget to help us in our needs. It was few years' back, where we have to stand in the queue for paying any bill, withdrawing cash from bank and so on. But now we have facilities like Credit card, Debit card, Internet Banking, mobile banking etc., to finish our work so easily by sitting in our home. Now it's easy to pay your phone bill online in no time using any of the above mentioned features. The fact is we are now practiced to these facilities and if everything goes wrong on a fine morning then it will a big head ache.My Personal ExperienceI have my saving account in State bank of India. My bank is situated in an industrial township where there are a lot of transactions per month. Though we have three ATM centers of this bank in our locality, always there used to be crowd.

Initially State bank gave yellow color Maestro card for all its account holders. There is no problem in withdrawing cash from ATM or swiping in shops where this card is accepted.

But there was always a problem when we are supposed to pay with verified by visa or Master facility. This Visa and Master debit cards are accepted everywhere, where as usage of Maestro card is not every where. In those cases I used to get card from friends who have their account in Indian bank or Canara bank or if there is a provision to pay through internet banking then I will go for it. Recently my three year old maestro card was damaged and I applied for a new card by paying a sum of Rs.200.

I received a new card and I was surprised to see a silver debit card with Visa logo.State Bank Silver Visa Debit CardThe new card issued to me is a silver debit card with Visa logo. I was very excited to see it, as I can do my future payments and transaction which I was not able to do with my old card. As soon as I got my pin, I thought of using this card by making a payment in Tamil Nadu Electricity board which newly introduced online payment throughout Tamil Nadu. After entering initial details with the website, I clicked to pay the bill.

I had four options to pay the bill,#Credit Card#Debit Card#Internet Banking#Visa/Master Transaction.I don't have a credit card. So I clicked debit card, but this facility was not available to SBI cards.

The same happened in Internet banking too. Since my card is provided with Visa logo I thought of paying with my new card through verified by visa process.Verified By Visa (VBV)When you get a new card you have two options to register for verified by visa. First you can directly go to the link from your bank site and register your card and secondly you can start doing your transaction and since the card is not registered it will prompt to register mean while. I decided to register while doing the transaction. But when gave my details twice it responded that it can't able to authenticate my card and after the third attempt it was blocked. Usually the blocked cards will be unblocked after 24 hours. I tried again after two days by registering first for VBV.

But even then it showed me that it was not able to authenticate and hence asked me to try after sometime. I tried thrice and my card was blocked again. I gave a call to the customer care and elaborate them about the problem. They gave an immediate reply that a problem of card getting blocked should be reported to the concern branch.Shocked in BranchThe branch in my locality is technologically upgraded. Almost all facilities are provided and it is quite a busy branch as there is always a big crowd throughout the month.

It has more than 5 cash counters and the total number of employees will be more than 15. I went to my branch the next day and first enquired about it to a clerk sitting in the cash counter.

He asked me to meet the cashier who is the person in charge for the cards it seems. I explained my problem to her and she was clueless of the problem which I am reporting to her and she simply told me not to use the card for online transaction and advised me to use online banking.

I just understood that there is no use in talking to her, so I moved to the Personal Manager room where the Chief Manager was also sitting with him at the time. I explained about the problem and the Chief Manager simply told that it will be unblocked after 24 hours. Again I explained about the problem with Visa. Instead of answering about this, she asked me to use online banking or mobile banking features.

I told her that online banking or debit card of SBI is not accepted in the payment of electricity bill and the only option available to me is to pay through verified by visa. I got a shocking reply from the chief manager; she asked me what she can do if the facility of SBI is not available in the payment mode without understanding my query about VBV. I again explained clearly about the various modes available to pay online and among them verified by visa is an option. I showed my card and told her that since my card has a visa logo, I can use the verified by visa mode to pay bill. She didn't understand this and asked me in return is that so. The thing is she doesn't have any idea related to VBV and I was really shocked about how a chief manager is not aware about this. However the personal manager understood this, but he was helpless of not knowing the way to help me and asked me again to contact the customer service through phone and mail.Will it be solved?I tried to find the solution by myself by searching in various forms and came to know that the problem exists with many of this card holder.

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However I have sent a mail again to the customer care and waiting for the return reply from them. Hope it will be solved. Author: 27 Oct 2011 Member Level:: 3Hello Bhavit Singh:The problem is fixed for me and now I could able to do all transactions. The worst thing is the concern bank or the customer service didn't help me at all and I fixed it myself. Follow the guidelines which I followed and probable it might help you out.

I tried to pay docomo easy recharge with my card. So you try some online options where you can use your SBI visa card. When you are doing the transaction, the very first time it will divert you to the visa page and will ask your to create a password. Create a new password there and have it with you.

This will be your VBV password and now your VBV registration is over. The same password can be used for future VBV transaction. So I suggest you to create the password and register while doing online transaction and not registering directly. Author: 31 Oct 2011 Member Level:: 2There is nothing to worry about your SBI card. You just have to wait 7-10 days after issuing of the Debit Card and its pin code. I think it takes time in saving the card details in VISA database. My Debit card was issued on 22nd oct and it has been showing VBV registration problem continuously, till today.

On 1st Nov, means today, My Card got registered:). SO guys, there's not a big issue, you just have to wait for a week or 10 days. Unfortunately if it takes more time, like a month or something, then you must contact the customer care or contact your branch manager. Author: 15 Sep 2014 Member Level:: 6It is nice to know that you are using your VISA debit card (it does not matter whether it is from SBI or any other bank), for online transaction.How does it affect?1 - It saves your time to stand in a queue.2 - It saves you from carrying money out side.3 - Our currency does not exchanged from hand to hand so it increases its life span.4 - Also due to online transaction the money become and stay white and have a transparent record.To increase the online transaction now days many banks are giving good offers. ICICI bank has tied up with payback. So, for each online transaction if you use ICICI debit or credit card, you get some points as reward and after achieving some points you can convert that into Gifts.

Similarly, SBI has tied up with Freedom Reward for giving rewards to online users.So you can do many things through your debit card like online mobile recharge, shopping, order to restaurant and can do swipe at many stores.

Review Summary

State Bank Silver International Debit Card is a basic debit card. It offers SMS facility and 24X7 customer care service. You can also earn 1 reward point (FreedomRewardz) for every Rs. 200 spent.

Issuance fee: Nil
Annual fee: Rs. 150

In this Review

Features and details
Benefits of State Bank Silver International Debit Card
Cash Withdrawal and Transaction Limits
Fees and Charges
Drawbacks of the card
Reasons to sign up for the card
Similar cards: In case State Bank Silver International Debit Card fails to impress you!
SBI Gold International Debit Card Vs State Bank Silver International Debit Card
IDBI Bank Classic Debit Card Vs State Bank Silver International Debit Card
Final Word

State Bank Silver International Debit Card: Features and details

Benefits of State Bank Silver International Debit Card

Ease of access

You can use your State Bank Silver International Debit Card for shopping purposes at over five lakh merchant outlets in India as well as 30 million outlets worldwide. You can also use this debit card for making utility bill payments, booking movie tickets, travel and paying for your online purchases. Since this is a debit card cum ATM card; you can use it for withdrawing cash from State Bank Group ATMs or other ATMs in India and worldwide ATMs with MasterCard/Maestro/Visa logo.

State Bank Silver International Debit Card Loyalty Program

With State Bank Silver International Debit Card, you earn upto 1 FreedomRewardz point for every Rs. 200 spent on shopping, dining, filling fuel, booking travel tickets and making online purchases.

Further, you earn fifty State Bank Rewardz bonus points on your first and second purchase transactions; provided that these transactions are within completion of one calendar month of issuance of your debit card.

If you make your third purchase transaction within one calendar month using this debit card; you will earn 100 State Bank Rewardz bonus points. Use your State Bank Silver International Debit Card for minimum three purchase transactions and your reward points earned will be tripled.

SMS Facility

You’ll receive SMS every time your account is credited or debited. With State Bank Silver International Debit Card, you get instant SMS alerts for all cash withdrawal, purchase transactions, online transactions made on your State Bank Silver International Debit Card.

24X7 Helpline

With State Bank Silver International Debit Card, you’ll get 24X7 assistance service. You can simply call on 080-26599990 or toll-free nos. 1800 11 2211 or 1800 425 3800 for any kind of queries related to debit card or account. You can even mail them at [email protected].

Cash Withdrawal & Transaction Limits

1. Daily cash withdrawal limit: The daily domestic cash withdrawal limit is Rs. 40,000. Daily international cash withdrawal limit varies from country to country, subject to a maximum of $1,000 or equivalent.
2. Daily purchase transaction limit:The daily domestic purchase limit is Rs. 75,000. Daily international purchase limit varies from country to country, subject to a maximum of $1,500 or equivalent.

Fees and Charges

Annual fee

You have to pay Rs. 150 as the annual fee of State Bank Silver International Debit Card.

Transaction charges

Domestic transaction charges

1. Transaction charges at SBI ATM’s: Nil
2. Transactions charges at other banks ATM’s: If you are a savings account holder; then you won’t be charged till 5th transaction. After that; you’ll be charged Rs. 17 per financial transaction and Rs. 6 per non-financial transaction. If you are a current account holder, then you have to pay these charges from the first transaction itself.

International Transaction charges

1. Balance enquiry fee: Rs. 17
2. Cash withdrawal charges: Rs. 169

Fuel surcharges

1. On SBI’s POS terminals: You’ll be charged 0.75% of transaction amount for transactions up to Rs. 2,000 or Rs. 10 (whichever is higher). For transactions worth Rs. 2,000; you have to pay a surcharge of 1% of transaction value.
2. On other bank’s POS terminals: You’ll be charged 2.5% of transaction value or Rs. 10 (whichever is higher).

Other fees and charges

Debit card replacement charges: Rs. 204

Regeneration of Pin: Rs. 51

Drawbacks of the card

No fuel surcharge waiver

As a State Bank Silver International Debit Cardholder, you won’t get any benefit if you pay for your fuel expenses with this debit card. It does not give any fuel surcharge waiver.

No dining and entertainment benefits

If you are a movie buff or a foodie; then this debit card can prove to be a turnoff. State Bank Silver International Debit Card does not give any privileges, discounts or cashbacks on dining and entertainment.

No travel benefits

You won’t get any travel benefits; not even complimentary airport lounge access with this debit card.

Reasons to sign up for the card

1. Rewards programme
2. 24X7 helpline
3. SMS alerts

Similar cards: In case State Bank Silver International Debit Card fails to impress you!

State Bank Silver International Debit Card is a basic debit card that can be used for transaction purposes internationally as well. It offers reward points, SMS alerts and 24X7 customer support. However, it does not offer other basic benefits which most of the debit cards provide; such as dining benefits, entertainment benefits, insurance coverage, fuel surcharge waiver and travel benefits. Following cards have more or less same benefits and charge similar fees. You can go for this debit card or for these similar cards.

SBI Gold International Debit Card Vs State Bank Silver International Debit Card

Complimentary insurance with SBI Gold International Debit Card

This card provides you with complimentary accidental insurance (accidental death only) of Rs.2 lakhs. The card also carries a purchase protection for theft/burglary upto 90 days from the date of purchase upto Rs.5,000 in respect of items purchased by using State Bank Debit Card only at PoS/Online.

Higher transaction limits with SBI Gold International Debit Card

With SBI Gold International Debit Card, you can withdraw cash from ATM’s upto Rs. 50,000 and make purchases upto Rs. 2,00,000.

For more information, you can read our SBI Gold International Debit Card Review.

Final Word

State Bank Silver International Debit Card is a basic debit card which can also be used internationally. It offers 24X7 customer care service and SMS facility. You can also earn 1 FreedomRewardz point for every Rs. 200 spent on dining, booking tickets, and other purchases. However, this debit card does not provide any dining, entertainment or travel benefits. So, if you don’t want such benefits and use this debit card as just an ATM card; then you can go for this card. Else, you can look for other cards.