state Bank of India JHE BANKER TO EVERY INDIAN State Bank Debit Card Discover the new world of convenience and security. PSesit CARD Pehle , User GuideContents - |mportant points to note - Know your State Bank Debit Card - Using your State Bank Debit Card : Looking after your State Bank Debit Card * Terms & Conditions moan points to Note: On receipt of your State Bank Debit Card and user guide, please sign on the signature panel on the reverse side of the Card immediately. - You will be given/receiving your Personal Identification Number (PIN) from your branch. On receipt of your PIN, you need to complete one successful transaction at any State Bank ATM using your PIN to activate your Card for purchase transactions i.e., to use it at merchant establishments and also touse itfor e-commerce i.e., for making paymentonline. - Please change the 4-Digit PIN as soon as possible and at periodic intervals for security reasons. Please do not carry the PIN or write it anywhere. It is recommended that you memorise the PIN. - Your State Bank Debit Card can be used at shopping outlets and over the Internet for making purchases, including travel bookings and payment of utility bills etc. (but only after activation of the Card at State Bank ATM). - Always remember to update your email and mobile number details with the Bank to get important updates and alerts. For further details, please refer to the contents of the User Guide. You can also contact the State Bank Helpline at 1800- 11-22-11/1800-425-3800 (Toll Free) or +91-80-26599990 or via email at contactcentre@sbi.co.in Know your Pehla Kadam Debit Card -— Your Name: Please ensure that your name appears correctly and advise your Branch for corrections, ifany. Parent/Guardian’s Name: ——————____ Pehla Kadam cards will have an additional line with parent/guardian’s name Card Number: Distinct 16 digit Card number. Valid Upto/Thru: ——+—________ Last day of the month and year up to which your Cardis valid.i Magnetic Stripe: The magnetic stripe, containing encoded information, on the reverse of the Card. -— Signature Panel: The signature panel on which you sign as soon as you get your Card. CVVICVDICVC: Card Verification Value/Data/Code A3 digit code on the reverse of your Debit Card, is a security feature for Card Not Present (CNP) (i.e. on-line) transactions — Emergency Helpline number 1800-11-22-11 / 1800-425-3800 / 080-26599990 Know your Pehli Udaan Debit Card Your Name Please ensure that your name appears correctly and advise your Branch for corrections, if any. Card Number Distinct 16 digit Card number. -— Valid Upto/Thru: Last day of the month and year up to which your Card is valid. State Bank I DEBIT CARD-— Magnetic Stripe: The magnetic stripe, containing encoded information, on the reverse of the Card. Signature Panel: The signature panel on which you sign as soon as you get your Card. CWVICVDICVC: Card Verification Value/Data/Code A3 digit code on the reverse of your Debit Card, is a security feature for Card Not Present (CNP) (i.e. on-line) transactions Emergency Helpline number: ——————————— 1800-11-22-11, 1800-425-3800, 080-26599990. Daily transaction limits State Bank Debit Card | Pehla Kadam] Pehli Udaan Maximum Daily PoS Rs. 5000/- Rs. 5000/- e-commerce/Limit Maximum Daily Cash Limit at ATMs Rs. 5000/- | Rs. 5000/- Lost Card Reporting: Please keep a separate note of your Card number and associated account number in a place readily accessible. You should immediately notify the State Bank Contact Centre regarding the loss of the Card at toll free number 1800-11-22-11 or 1800-425- 3800 or at ISD/STD number +91-80-26599990. The Call Centre will ask for some information about you to authenticate your identity. Please obtain the Ticket Number from the Contact Centre after lodging your request to block the Card. The Card can also be blocked by + By sending SMS BLOCKXXXxX to 567676 from your registered mobile number only (XXXX is the last 4 digits of the State Bank Debit Card you wish to block). On acceptance of the request for blocking, you will get a confirmatory SMS alert with ticket number, date and time of blocking.+ Through Internet Banking: If you are using Internet Banking service, then please follow the following steps to block your State Bank Debit Card: Step1 Login to www.onlinesbi.com with your username and password. Step2 Select “Block ATM Card” link under the “E-Services” tab. Step3 Select the Account under which you want to block your Debit Card. Step4 All the active and blocked cards will be displayed. Only first 4 digits and last 4 digits of the Card(s) will be shown. Step5 Select the card you wish to block and click “Submit”. Verify the details and confirm. Step6 Select the mode of authentication as either SMS OTP or Profile Password. Step7 Onthe next screen, enter the OTP/Profile Password as chosen earlier and click “Confirm”. Step8 Asuccess message would be displayed with a Ticket No. after successful blocking of your Debit Card. Note this ticket number for future reference. + By visiting any State Bank Branch and submitting a written request for Blocking the Card. Please Note: * Cards once blocked can only be unblocked submitting a written request for at the home Branch. * The Bank will not be liable for any financial loss arising out of unauthorised use of the Card (till the Card is hot-listed). Replacement of the Card You just need to write to your Branch regarding loss of the Card along with the date of reporting loss and ticket number from the State Bank Contact Centre, requesting for replacement of the Card. On receipt of the request, the Branch will arrange to issue a new Card against the lost Card, at a nominal fee of Rs. 200 + service tax. Using your State Bank Debit Card Activate Your State Bank Debit Card: For security reasons, your Card is currently inactive for purchase transactions. In order to activate your Card, you need to complete one successful transaction at any State Bank ATM using your PIN. Using your State Bank Debit Card at Merchant Establishments Step1 Presentyour Card to the shopkeeper. Step2 The shopkeeper will swipe your Card at PoS/EDC (Card Acceptance) terminal. Step3 The terminal will prompt you to enter the PIN (depends on the terminal type). Step4 Please enter your PIN (same as the one used atATMs). Please ensure you cover the PIN pad with your hand while entering the PIN to ensure confidentiality.Step5 Sign onthe charge slip only after confirming the amount and details on the slip with the bill. Step6 The transaction is now complete. You will be handed over a copy of the charge slip and your Card, by the shop keeper. Your State Bank Debit Card over the Internet Your State Bank Debit Card can be used online for shopping, booking railway or air tickets, paying bills or for enjoying movies with your family. All this is just a few clicks away at your convenience. What's more, your State Bank Debit Card is enabled for online usage with “Verified by Visa’/“MasterCard Secure Code’/“Rupay — PaySecure” (as applicable based on the Card scheme), providing you additional security of a password known only to you for completing online purchase. Step 1 Go to your preferred website. Step 2 After selecting the goods and services desired, or bills you wish to pay, go to the payment page. Step3 Enter your State Debit Debit Card number, CVC/CVDICVV, Expiry Date of the Card, Name appearing on the face of the Card and the online store will check whether your Card is secured with “Verified by Visa’/ “MasterCard Secure Code’/“Rupay—PaySecure” (as applicable based on the Card scheme). Step4 (i) Ifyou are not registered, you will be asked to register for “Verified by Visa’/ “MasterCard Secure Code"/“Rupay —PaySecure” (as applicable based on the Card scheme). After the creation of your password, you can continue with the transaction. (ii) If you are already registered, an SBI “Verified by Visa"/ “MasterCard Secure Code’/“Rupay — PaySecure” (as applicable based on the Card scheme) pop-up window will appear on your computer screen that includes your Personal Message. Look forandconfirmyourPersonal Message, then enter your password. On the confirmation, transaction is now complete. Please visit the below link to register your Card for “Verified by Visa’! “MasterCard Secure Code’/‘Rupay - PaySecure” (as applicable based on the Card scheme): https://retail.onlinesbi.com/personal/secure_card_transact ions.html. Please note that your mobile number needs to be registered with the Bank for using the Debit Card over the Internet. Using your State Bank Debit Card for cash withdrawals from ATMs Enjoy the convenience of using your State Bank Debit Card for withdrawing cash from State Bank Group ATMs or other ATMs in India and worldwide (conditions apply). Step 1 Please insert your Card in the slot provided. Step 2 Select language (if option is available)Step3 Enter your PIN. Please take care to key in the correct PIN. If the wrong PIN is entered thrice, the Card will be invalidated for the rest of the day. Step4 Select your transaction. At this stage, options will appear on the screen and you can choose the appropriate option amongst Fast Cash, Cash Withdrawal, PIN Change and Mini Statement. Step5 Incase of Cash Withdrawal, enter the amount you wish towithdraw. Step6 You will receive cash after the transaction is processed which is to be collected immediately. Note: (i) Generally ATMs can dispense 40 currency notes per withdrawal at a time). In case the amount you seek to withdraw is greater than the dispensing limit of the number of currency notes, you may do multiple transactions up to the overall daily limit. (ii) You can use your State Bank Debit Card at ATMs of other Banks in India (conditions apply). (iii) Use the same PIN as you do at State Bank Group ATMs. Some ATMs may request you to select the account type i.e. Savings or Current. For all transactions performed at ATM networks, the Primary Account linked to your Card will be accessed. Using your State Bank Debit Card for changing PIN at State BankATMs On receiving your State Bank Debit Card PIN, itis suggested tha you should change the PIN immediately and also change the PIN at periodic intervals. Step 1 Please insert your Card in the slot provided. Step 2 Select language (if option available). Step3 EnteryourPIN. Please take careto key in the correct PIN. Ifwrong PIN is entered thrice, the Card will be invalidated for the rest of the day. Step4 Select your transactions. At this stage, options wil appearonthe screen. Please choose PIN Change option and enter the new 4 digit PIN twice for your Debi Card. Step5 You willreceive a confirmation ofthe PIN change on screen. Schedule of charges on State Bank Debit Card* Your State Bank Debit Card is issued free of charge for the firs! year. Annual Maintenance charge Rs.100/- + Service Tax (applicable from second year of issuance) Replacement charges Rs. 200/- + Service Tax PIN re-issue charges Rs. 50/- + Service Tax Looking after your State Bank Debit Card Your State Bank Debit Card is available as a magnetic stripe Card. The black magnetic stripe on the back of your Cardcontains important information about your Card and needs careful handling. + Avoid scratching the magnetic stripe + Do not place two Cards with the magnetic stripes together. + Do not bend the Debit Card. + Keep your Debit Card away from heat and direct sunlight. + Avoid exposing your Debit Card to dust, moisture or traviolet rays to protect your Card. How to protect your State Bank Debit Card? Your State Bank Debit Card can be protected and used responsibly by following a few simple steps: + After receiving your Debit Card, please sign immediately on the signature panel on the reverse of your Debit Card to prevent any misuse. lease ensure that the Debit Card is swiped by the merchant in your presence.. + Collect your receipt and charge slip after every purchase, and check the same. + Please also ensure that you get back your own Debit Card after every transaction at merchant establishments. + Ifthe Debit Cardis lost or stolen, report the loss immediately to the Bank. How to protect your PIN? Your State Bank Debit Card PIN can be protected and used responsibly by following a few simple steps: + Please change your PIN as soon as you receive the Debit Card and also do so at periodic intervals + Memorise the PIN and destroy the PIN mailer. + Do not write the PIN on the Card or anywhere else or divulge the number to anyone + If you have reasons to suspect that someone may have accessed your PIN, change your PIN at any State Bank ATM immediately. Freedom Rewardz State Bank Debit Card Loyalty Program Your State Bank Debit Card earns Freedom Points (Loyalty Points) for every purchase transactions. + Earn point for every multiple of Rs. 200/- spent. + Make 3 purchase transactions every quarter and double the e u points earned! + Earn higher number of points at FreedomRewardz merchani partners. Start earning points now! Purchase transactions within Bonus Points 1st month of issuance of Debit Card 1st transaction 50 points 2nd transaction 50 points 3rd transaction 100 points + You can activate your account for FreedomRewardz by visiting the FreedomRewardz website www.FreedomRewardz.com and click on the ‘First Time User’ link. You will have to fill in a few details and your account would be activated. Alternatively, you can call the FreedomRewardzService Centre to get your account activated: 1800-209-8500 or 60008500 (local charges from anywhere in India) or visit www.Freedom Rewardz.com Please note: No Freedom Points on cash withdrawals from Branch/ATM. Great ways to redeem Freedom Points + Freedom Points can be redeemed for a wide range of products like Airline Tickets, Bus Tickets, Electronic Items, Home Appliances, Fashion Accessories, Beauty products etc. by visiting the FreedomRewardz website. + If not redeemed, Freedom Points expire in 18 months, excluding the month of accrual, ifnot redeemed. Terms & Conditions: (i) Definitions Bank: State Bank of India and its Associate Banks. Card: State Bank Debit Card, issued to the customer by State Bank Group. Cardholder: A customer who has been issued a State Bank Debit Card. ATM: All ATMs of the State Bank Group as well as ATMs of other banks. State Bank Group ATMs: All ATMs of State Bank of India and its Associate Banks and wholly owned subsidiaries viz. State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, State Bank of Travancore and SBI Commercial and International Bank Ltd. PIN: The Cardholder is initially allotted a computer-generated 4 digit PIN (Personal Identification Number) which has to be collected from the Card issuing branch in a secured and sealed PIN mailer. Merchant Establishments (MEs): MEs shall include shops, stores, restaurants, hotels and commercial establishments, online stores among others, in India and abroad, advertised as handling the Cards. PoS Terminals: Point of Sale (PoS) electronic terminals at an ME in India or abroad at which the customer can use his Card to make purchases by debiting his/her account with the Bank. Designated Account: Savings Bank account (designated by the Cardholder), to which all the amounts authorized/dues payable by the Cardholder are to be debited. Customer Branch: The Branch at which the designated account is maintained by the Cardholder. Privileges: Any discount scheme which may be given by an merchant establishments, at its discretion from time to time for giving benefits to the Cardholder. Debit Card Loyalty Program: A loyalty program in which State Bank Group participates. Under the loyalty scheme, the loyalty points earned by the Cardholder for PoS transactions are accumulated for redemption. Transaction: Transactions include cash withdrawals, payments for purchases made/services availed at Merchant Establishments, and availing other services by utilizing the Card atATMs, MEs, PoS terminals or websites.(ii) Terms and conditions: State Bank Debit Card has been issued as per following terms and conditions: (a) PIN: The PIN is used for withdrawing cash at an ATM/PoS. The PIN should be safeguarded carefully. Usage of the wrong PIN three times would invalidate the Card for the rest of the day. The PIN change option is available at certain ATMs (such as all State Bank Group ATMs). While selecting a PIN, the Cardholder is advised to avoid a PIN which can be easily associated with him/her (e.g. telephone number, date of birth etc.). Besides, the selected PIN value should not comprise: Asequence from the associated account numbers/A string of the same number/Historically significant dates. It is the Cardholder's responsibility to ensure that the knowledge of the PIN/PIN Mailer does not fall into any other person's hands. The Bank bears no liability for the unauthorized use of the Card. The responsibility is fully that of the Cardholder. If you suspect that the PIN is divulged, you can change the PIN by visiting a State Bank Group ATM. If you are not in a position to visit a State Bank Group ATM, please ensure that the Card always remains in your possession till a new PIN is received. You can apply for a new PIN through your Branch. The PIN will be generated after verifying the identity of the Cardholder and delivered through his Branch in the manner asis done in case of delivery of the earlier PIN. Some useful tips about the safekeeping of your Card and precautions to be taken to prevent fraud/misuse are as follows: Please do not write your PIN on the Card or anywhere else. Please refrain from taking help from anyone in the ATM room. Please do not allow any other person to observe while transacting. An unauthorized person can access the ATM services on the Cardholder's account if he gains access to the Card and the PIN. The Card should remain in the Cardholder's possession and should not be handed over to anyone else. (b) (i) Loss of Card: Please keep a separate note of your Card number and associated account number in a place readily accessible. The Cardholder should immediately notify the State Bank Contact Centre regarding the loss of the Card at toll free no. 1800-11-22-11/1800-425-3800 and +91-80- 26599990 from other service providers in India and abroad. The Call Centre will ask for some information about the Cardholder to ensure that the caller is the actual Cardholder. Any financial loss arising out of unauthorized use of the Card, till such time as the Bank hotlists the Card (disabling the utilization of the Card), will be to the Cardholder's account. (ii) Replacement of the Card: The Cardholder shall write to the Customer Branch regarding loss of the Card and date of informing the State Bank Contact Centre, and request for replacement o the Card. On receipt of the request, the Branch will arrange for issue of anew Card against the lost Card, ata fee of Rs. 200/-.(c) Debits to Customer's Account: The Bank has the authority of the Cardholder to debit the designated account of the Cardholder for all withdrawals and payments effected by the Cardholder by using the Card, as evidenced by the Bank's records, which will be conclusive and binding on the Cardholder. The Cardholder authorizes the Bank to debit the designated account with service charges (if any) notified by the Bank from time to time. (d) Transactions: The transactions record generated by the ATM or POS will be binding on the Cardholder and it will be conclusive unless verified otherwise and corrected by the Bank. The verified and corrected amount will be binding on the Cardholder. (e) Closing of Account: The Cardholder wishing to close the designated account and surrender the Debit Card will give the Bank notice in writing and surrender the Card along with the notice. (f) Validity of Card: The State Bank Gold Debit Card will be valid for 5 years from the month and year of issue. The month and year of expiry is preprinted on the Card. The Card is valid through to the last date of the month of expiry. (g) Contact Centre: For more information and help, the customer can contact our Contact Centre at toll free no.1800-11-22- 11/1800-425-3800 (From MTNL/ BSNL landlines) or +91-80- 26599990 from other service providers in India and abroad or E-mail at contactcentre@sbi.co.in or write to State Bank Contact Centre, Post Box No. 825, Bengaluru - 560008, Karnataka. (h) Specimen Signature of the Customer Must Tally: The Cardholder shall sign the Card on the reverse as per the specimen signature given on the application form for the Card in the Bank's record. (i) Range of Services: Statement of Account: A Mini Statement of the account can be obtained at a State Bank Group ATM. Balance Enquiry: The Cardholder can view the balance in the designated account and also obtain a transaction receipt indicating the balance. (j) Fees & Charges: Please refer to www.sbi.co.in for complete details. (k) Other important conditions governing the transactions: + The Debit Card service is meant for use at ATM/PoS/e- commerce etc against the balance already available in the designated account. It is the Cardholder's obligation to maintain sufficient balance in the designated account to meet withdrawals and service charges. + Where the ATM is not running online, the transactions in the ATMvwill be accounted for on the same/next working day. + The Bank at its discretion may amend the Terms and Conditions governing ATM services and this Card. Cardholders will be notified of such changes through notification on the Bank's website, which will be binding on the Cardholder.+ The Bank reserves the right to introduce new facilities or remove existing facilities as and when warranted, without assigning any reason forthe same. + The Bank may at its discretion refuse any application for the Card without assigning any reason. Fees charged (if any) for the use of the Card are not refundable under any circumstances. * The Bank has the right to withdraw the privileges attached to the Card and to call upon the Cardholder to surrender the Card through the ME, or their representatives or any other representative of the Bank without assigning any reason. + Use of the Card shall be terminated without notice, upon the death, bankruptcy or insolvency of the Cardholder or on receipt of a letter from any one of the joint account holders changing the operative clause, receipt of an attachment order from a competent court or revenue authority or from RBI due to violation of FEMA/Exchange Control Regulations, or for other valid reasons or when the whereabouts of the Cardholder become unknown to the Bank due to any cause attributable to the Cardholder. + The Bank is not responsible / liable for failure of any ATM to dispense cash or if the customer is unable to withdraw cash for any reason whatsoever or is unable to avail any facility mentioned herein. + The Bank is not responsible for the refusal by any ME to accept or honor the Card, nor shall it be responsible in any respect for the goods or services supplied to the Cardholder. The Cardholder shall handle or resolve all claims or disputes directly with such establishments and no claim by the Cardholder against the ME is subject to a set-off or counterclaim against the Bank. The Cardholder's account will be credited only on receipt of money from the ME or the acquirer. + The Bank will not be responsible for furnishing original bills of the ME to the Cardholder. * The Cardholder will collect from the ME the Cardholder's copy of the transaction receipt and will preserve the same for his/her personal record. * The Bank at its discretion will approve/reject any Card transaction. + Atransaction put through by utilizing the Card at the ATM or PoS terminal shall be binding on the customer. + The Cardholder should not countermand an order which he has given by means of his Card. + The Bank shall not be liable for any loss caused by a technical break-down of the payment system. + The Card is the property of the Bank and will be returned by the Cardholder unconditionally and immediately to the Bank upon request by the Bank. The Bank reserves the right to cancel the Card and stop its operations unilaterally without assigning any reason. The decision of the Bank is conclusive and binding on the Cardholder. The Card is non-transferable. For details, latest updates please refer to our website, http://www.sbi.co.in or www.statebankofindia.com